Business Combined Insurance

However complex your business insurance requirements, Brown Bevan can offer the complete service you expect from an established specialist broker in this sector. Our relationships with insurers built up over many years, give us access to a wide range of specialist insurance products.

This policy provides cover for the main insurance needs of a business. A combination of Material Damage, Business Interruption, Book Debts, Employers' Liability, Public and Products Liability, Money, Goods in Transit, and Specified Items 'All Risks'.

The policy is designed to meet the needs of most businesses including manufacturers, distributors, repairers, finishers, printers, wholesalers, engineering companies, contractors to name but a few.

We are also able to arrange specialist insurance package covers for public houses, shops, offices & surgeries.

The covers available are: -

Material Damage

Provides cover for a business's material property. The following levels of cover are available:

• 'Specified perils' - fire and additional perils of lightning, explosion, aircraft, theft, riot, malicious persons, earthquake, storm, flood, escape of water, impact by vehicles. Optional subsidence cover, sprinkler leakage, glass and terrorism.
• 'All Risks' - accidental loss, destruction or damage including all defined perils. Optional subsidence cover, sprinkler leakage, glass and terrorism.

Business Interruption

Provides the business with financial compensation following an insured loss under the Material Damage cover and is designed to help the business return to a normal trading position as quickly as possible.

Book Debts Cover

Cover is provided for outstanding debit balances, which cannot be collected as the records have been damaged or destroyed.

Employers' Liability

This policy protects companies against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.

Public and Products Liability

Cover is provided in respect of legal liability to pay compensation including legal costs for:

• accidental death or personal injury to any person excluding employees
• accidental loss or damage to third party material property.

Money

This cover is provided for loss or damage of business 'money'.

Goods in Transit

This provides cover for property whilst in transit to the limits selected.

Specified Items 'All Risks'

This policy provides cover for loss of or damage to specified items. Cover can apply at specific premises only or within the territorial limits of the UK, EU or world-wide as requested.

Optional insurance covers available include:

• Computer breakdown cover
• Loss of computer records
• Engineering inspection insurance
• Sudden & unforeseen damage to engineering equipment
• Personal accident and sickness cover
• Legal expenses cover
• Fidelity guarantee
• Efficacy (Failure to perform)
• Cover for exhibitions