federation of small businesses
Commercial Products

In addition to our affinity schemes, the following products are available to our selected brokers:

We have facilities to place a wide range of commercial risks, on an individual basis and our underwriters are only a 'phone call away.

Business First
  • employer's liability
  • all risks on tools
  • personal accident
  • stock in trade / transit
  • contractor's all risks
  • buildings, contents and business interruption

With a minimum premium of only £90, this policy is ideal for the business that would usually be too small for the standard "Commercial Combined” policies. Business First makes it easy to develop a small commercial account from a personal lines database or to place those risks that most commercial facilities don't cater for.

Business Health - Group P.A. and Travel

Providing capital or weekly benefits, irrespective of fault or negligence, following the accidental bodily injury of an insured person. Employers can buy cover for a group of employees and protect the business from possible loss arising from the absence of an injured employee.

Options available are:

  • Death and Capital Benefits
    providing a lump sum if the insured person is killed or suffers permanent loss of use of limb(s), eye(s), speech or hearing or is permanently prevented from engaging in their usual occupation.
  • Weekly Benefits
    providing a weekly income when an insured person is temporarily prevented from engaging in their usual occupation

Cover can be operative

  • 24 hours a day, worldwide
  • while the employee is engaged in his employment or commuting
  • while the employee is engaged in his employment only

Optional Extensions include

  • Illness cover
  • Group Business Travel

Income Protection - Individual P.A. and Illness

Providing capital or weekly benefit following accidental bodily injury or illness of the insured person. With only a seven day minimum waiting period, this policy can provide essential income or a significant lump sum to assist the insured if they are unable to work as the result of an injury or illness.

Options available are:

  • Death and Capital Benefits
    providing a lump sum if the insured person is killed or suffers permanent loss of use of limb(s), eye(s), speech or hearing or is permanently prevented from engaging in their usual occupation.
  • Weekly Benefits
    providing a weekly income when an insured person is temporarily prevented from engaging in their usual occupation

Cover is operative 24 hours a day, worldwide.

Personal Accident Only is available at a reduced premium but, as illness is the more likely reason for an inability to work, policyholders are strongly advised to take both Accident and Illness cover.

Let Property - Commercial and domestic tenanted property

For property let to businesses,individuals and families.Covering:

  • buildings
  • loss of rent
  • property owner's liability

Let Property - Commercial and domestic tenanted property

For property that is vacant for long periods between lets or awaiting or in the course of renovation or development. Cover can be arranged for all standard perils with restricted cover available for insecure premises. This product applies to both commercial and domestic buildings.

Unoccupied Property

For property that is vacant for long periods between lets or awaiting or in the course of renovation or development. Cover can be arranged for all standard perils with restricted cover available for insecure premises. This product applies to both commercial and domestic buildings.

Business Retail

For a wide range of retail premises. Cover can include:

  • Employers / Public / Products Liability
  • Contents, Shop Fronts and Fascias
  • Business Interruption
  • Stock of all types
  • Money
  • Loss of Licence
  • Goods in Transit

Offices and Surgeries

A wide range of covers for most types of office or surgery. Cover can include:

  • Buildings
  • Loss of Rent Receivable
  • Business Interruption
  • Trade Contents
  • Business Interruption
  • Public Liability
  • Computer Breakdown

High Risk Liability

We have a facility to place a wide range of high risk liabilities through a highly regarded Lloyd's syndicate

CAR - Contractors All Risks

  • Hired In Plant - available in isolation if necessary
  • Loss of Rent Receivable
  • Own Plant (including plant hired out) - available in isolation if necessary

Temporary Buildings

Marine

  • General Cargo (Import/Export)
  • Goods in transit
  • Storage in the normal course of transit
  • Stock throughput
  • Exhibitions

Engineering

  • Machinery Damage
  • Machinery Consequential Loss
  • Computer
  • Contractors Plant
  • Deterioration of Stock
  • Machinery Movement
  • Machinery Contract Works

We have facilities to place a wide range of commercial risks, on an individual basis and our underwriters are only a 'phone call away.

 

 

Telephone:   01386 442722 ~   ~ Harvington Underwriting Ltd., Harvington House, 9 Abbey Lane Court, Abbey Lane, Evesham, WR11 4BY      
Regulated by the Financial Services Authority no. 303992