Insurance Covers
At Purple Arc, we appreciate your business is your lively hood and is one of your most valuable assets. So we work harder to help you understand the covers you might need. The range and scope of insurance cover required can be complicated. Combined with complex insurer policy wordings and specific clauses, things can get difficult if not correctly understood.
Our goal is clear - just do the job properly. To avoid any hidden surprises later on in the policy, we will help you develop a tailored business insurance policy.
For a brief overview, the covers that you may need to add to the main covers such as public liability insurance, consult our summary list below or click the “read more link” for full information.
Choosing the right business cover:-
With Purple Arc, getting started is easy. We’ll give you all the info you need on crucial covers, plus we can offer you an extensive range of optional covers to suit the needs of your business. So, if you think of your business as a home, then we’d like to think of ourselves as another door within it – one that you can open at any time, to get what you need, without leaving your comfort zone.
Public
Liability
Meeting and greeting members of the public is something that we love to do. If it’s the same for you and your business, then Public Liability Insurance is a must. It will cover the cost of any injury or unforeseen damage caused to an individual, or to their property.
Professional
Indemnity
Do you provide professional advice on a regular basis? If so we recommend that you also have Professional Indemnity Insurance. If a client suffers a financial loss as a direct result of your advice, it will cover the cost of any related claims made against you.
Employers’
Liability
If you hire one or more members of staff, you are required by law to have Employers’ Liability Insurance. It will cover the cost of a claim if an employee is injured, harmed, or has become seriously ill as a result of working for you.
- Public Liability Insurance covers you for any Legal Liability for injury to third parties or damage caused to their property.
- Employers Liability Insurance is a cover required by law for any person or organisation that has employees; it provides protection against your legal liability for injury to those employees.
- Business Interruption Insurance or loss of gross profits cover is to help protect your income following a material damage claim.
- Building Insurance covers damage caused occurring during the period of insurance by one of the following: Fire, explosion, lighting, storm or flood, escape of water, riot or civil commotion, malicious persons, Aircraft, Earthquake, Impact, Theft, Escape of oil, breakage or collapse or aerials and trees. Cover may also be extended to cover accidental damage and subsidence.
- Contents insurance indemnifies you in respect of damage to the contents in the premises following theft, fire, explosion, lighting, storm or flood, escape of water, riot or civil commotion, malicious persons, Aircraft, Earthquake, Impact, Theft, Escape of oil, breakage or collapse or aerials and trees. Cover may also be extended to cover accidental damage.
- Glass and shop frontage insurance cover will protect you for breakage of fixed glass, damage to window frames fittings and displays, damage to sanitary ware, and damage to fixed signs canopies and external blinds at the premises.
- Money Insurance will indemnify losses such as, in transit, at any of your sites of contract in business hours, in bank night safes, in your private residence, and at your business premises in a safe overnight.
- Professional Indemnity Insurance provides protection for claims brought against you or your business due to your professional negligence.
- Legal Expenses Insurance is for legal costs you may incur as a result of a claim made against you for such claims as Employment disputes and awards, Property protection, bodily injury, Statuary licence protection, Contract Disputes, Tax Protection.
- Contract Works Insurance (also known as contractors all risks) covers the permanent and temporary works executed in a contract and the materials used as part of the contract work. Extensions to cover can be added for such things as plant, hired plant, site huts, show homes and tools. Click here to read more
- Loss of Licence Insurance covers losses sustained in respect of depreciation in the interest in the premises or business and the costs and expenses for the appeal arising from losing the licence. Click here to read more
tradesour approachPurple Arc speak your language, be assured that should you need help, our team will be here. We won't sell you something you don't need or want, but we will ensure the highest level of service no-matter what you cover yourself or your business against. This is just the Purple Arc way.
we're here to helpIf you have a query, please try the following
Email us at:
purple@purplearc.co.uk
We will respond during office hours: which are Monday - Friday 9am till 5.30pm
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