An Industry that is going through some tough and testing times. Many companies are experiencing reductions in output while costs continue to rise including their business insurances.

With this in mind we set out to provide a complete business solution with emphasis on premiums. We will provide a premium breakdown for the various areas of cover, ranging from Property, Business Interruption, Loss Of Money, Liabilities, Glass, Goods-In-Transit through to Computer Breakdown Cover and Legal Expenses. We will discuss in depth the covers available to ensure it meets with your own specific requirements.

Often seen as confusing, we aim to bring clarity to your business insurance by providing a 'plain English' summary of the policy for quick and easy reference.

With specific interest in trades such as Electrical & Electronics, Engineering Processes and Business Support Services such as Printers, Packaging & Finishing Companies, we are confident our insurance markets can provide the policy to meet your individual needs.

To gain an insight into our thinking, we have shown below a few areas we consider when arranging a commercial policy in addition to the standard questions:

	Business Activities	Do you work away from your premises? Do you hold exhibitions or demonstrations?
	Foundations	Severe fires can cause damage to the base foundations needing reconstruction. Local Authorities may require more extensive foundations during rebuilding.
	Machinery & Plant	Equipment that can only be replaced from abroad will have a higher value and these increased costs along with exchange rate fluctuations should be taken into account when assessing the replacement sum insured.
	Patterns, Moulds, Tools, Dies, Plans & Drawings	Special considerations need to be given to these items to ensure the correct cover and sums insured are applied.
	Free Issue Materials	Important to establish who is responsible and insure them sufficiently.
	Customers' Goods	Adequate assessment and extent of liability must be checked.
	Work-In-Progress	As work in progress gains value during the processing this must be taken into account within the overall sum insured.
	Non-Ferrous and Precious Metals	Normally excluded from a standard commercial policy a separate sum insured must be declared to the insurers.
	Computers	Most standard policies exclude damage arising from Viruses and therefore specific cover should be considered.
	Business Interruption	There are a number of important aspects to consider. For example the length of recovery time the business would need following a serious fire taking into account the trade, market position, competitors, alternative premises, availability of plant and machinery, type of premises, suppliers and customers.
	Electricity At Work Act 1989	This came into force on 1st April 1990 and requires that electrical equipment and installations are maintained to prevent danger. We recommend that independent examinations are carried out on a regular basis.
	Statutory Inspections	Periodic inspection of plant by a competent person is required by law in respect of various items such as fork lift trucks, air receivers, lifts and hoists, lifting gear, steam pressure vessels, ventilation plant.
	Marine Cargo & Transit	Goods taken in or out of the country need to be insured correctly.
	Liability	Considerations to both type and areas of products supplied, exports to USA & Canada, pollution exposure, potential financial loss to customers, failure of the product to perform its intended function.
	Overseas	Are there any overseas operations/ locations?

If you would like a quotation for your business, please complete and return our on-line Manufacturing Quote Form .