What Does Your Business Need?

At Bellegrove Ltd we understand what is important to your business, whether that’s your stock, your employees or your equipment, and we know how to protect it.

Professional Indemnity

Sometimes mistakes happen – cover for injury, damage and financial loss resulting from negligence, error or omission

Public Liability

Protects your business against the cost of legal action and compensation claims from third party damage or injury

Employers Liability

Compulsory Insurance for compensation of employees who are injured whilst at work

Professional Lines

Directors and Officers, Crime, Professional Indemnity, Employment Practice Liability, Legal Expenses and more

Property Owners

Combined insurance to cover your liabilities, damage to your property and loss of rent plus some useful extras

Pub & Restaurant Insurance

Combined cover for your contents including your alcohol and food stock, buildings cover plus liabilities

Shop Insurance

Include business interruption cover to protect lost sales and incurred costs in the event of a disaster

What Does Your Business Need?

At Bellegrove Ltd we understand what is important to your business, whether that’s your stock, your employees or your equipment,
and we know how to protect it.

Professional Indemnity

Sometimes mistakes happen – cover for injury, damage and financial loss resulting from negligence, error or omission

Public Liability

Protects your business against the cost of legal action and compensation claims from third party damage or injury

Employers Liability

Compulsory Insurance for compensation of employees who are injured whilst at work

Professional Lines

Directors and Officers, Crime, Professional Indemnity, Employment Practice Liability, Legal Expenses and more

Property Owners

Combined insurance to cover your liabilities, damage to your property and loss of rent plus some useful extras

Pub & Restaurant Insurance

Combined cover for your contents including your alcohol and food stock, buildings cover plus liabilities

Shop Insurance

Include business interruption cover to protect lost sales and incurred costs in the event of a disaster

Specialist Insurance

We work to secure bespoke covers that you won’t find anywhere else

Expert Knowledge

A recognised leading provider of specialist UK insurance covering Motor Trade, Construction and Chauffeur

Service Driven

Emphasis on personal service with a dedicated account manager and an in house claims team

We will work with you

We’re constantly growing and evolving our business to provide customers with market leading products and the highest levels of customer service. In the event you need to make a claim you can be confident we have provided you with the right advice. Our in-house underwriting and claims staff are available to assist so you can expect the best.

REQUEST A CALLBACK

We understand what your business needs

Our mantra is to always challenge existing methods as the world of commerce is constantly changing and we need to develop new great products that will protect the business of our clients. Product innovation is our focus where we always listen to the needs of our clients and their business requirements.

REQUEST A CALLBACK

Business Insurance

Public Liability

Public liability insurance covers the cost of claims made by members of the public for personal injuries, loss of or damage to property that occur in connection with your business activities. This includes services you provide to the public that you wouldn’t necessarily charge for, such as providing complimentary tea or coffee. 

Employers’ Liability

Employers’ Liability is legally required if you are a limited company with employees or a partnership/sole trader with non-family employees. All our insurers provide at least the minimum cover of £5 million. This covers the cost of claims for injury or illness to employees resulting from their work where they believe the employer is responsible.

Stock

Stock insurance covers accidental loss, theft or damage of your stock within the limits specified in the insurer’s policy wording. The more stock you have, the higher your premium will be and there may be times of the year when you keep more stock, such as Christmas. So, instead of insuring your highest amounts of stock for the entire year ask us about ‘Seasonal Increases’ and only pay to insure what is necessary at any given time of the year.

Contents

Contents insurance covers everything in your building that would go with you if you were to move out, such as storage units and computers, this does not include your stock. This covers you for accidental loss, damage or destruction to these items within the limits stated in the insurer’s policy wording.

Buildings

The buildings section covers the cost of rebuilding or repairing your premises following damage or destruction by a defined peril in the insurer’s policy wording. This cover is based on a ‘declared value’ which should cover the cost of rebuilding your premises from scratch, including debris removal, professional fees and additional costs to comply with Public Authority Requirements.

Legal Expenses

Legal expenses insurance covers the costs of defence in legal proceedings brought against your company. Different insurers have a variety of covers, such as contract disputes, employment disputes, criminal prosecution defence, property disputes, data protection and VAT disputes. Note that this cover does not indemnify you against penalties or fines that you are ordered to pay, only the defence costs.

Business Interruption

The Business interruption section covers you if you had to stop trading for a while due to a defined peril in the insurer’s policy wording. It ensures that your employees get paid and you don’t lose revenue whilst you’re getting your business back on its feet. If you have a business continuity plan you can even cover the additional costs of running your business from elsewhere if a disaster was to render your business premises uninhabitable. 

Business Insurance

When business activities have to stop due to an insured event or disaster which affects its profits. Business Interruption Insurance will normally cover the loss of income specified for a period of time (indemnity period) that a business suffers when it has to cease trading as a result of claim such as a fire.

Will indemnify you in respect of sums you will become legally liable to pay as compensation, including costs & expenses in respect of accidental bodily injury & accidental loss or damage to property. As with any liability cover, you are covered for resultant damage and not the item that has caused the damage.

The Electricity At Work (EAWR) Regulations 1989 impose a duty of care on all employees, employers and self-employed workers to ensure that any electrical systems are safe to use. Electrical Inspections have to be carried out every 3-5 years depending on type of location.

Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

The ERN is also commonly referred to as ‘Employer PAYE Reference’. This is the reference number provided by HM Revenue and Customs (HMRC) under which the employees’ income tax and NI contributions are recorded. The number is specific to all businesses that employ staff who are individually paid more than the current PAYE threshold. ERN example: 123/AB456.

Inspections are an essential aspect of ensuring the safety of your plant and machinery.

Lift & Lifting Equipment
The Lifting Operations and Lifting Equipment Regulations (LOLER) 1998 apply to all businesses in the UK that have lifting plant and undertake lifting operations.
LOLER requires businesses to undertake periodic inspections of their lifting equipment by an independent competent person.

Pressure Systems
The Pressure Systems Safety Regulations (PSSR) 2000 applies to most pressure systems used at work. Under PSSR duty holders, users and owners of pressure systems are required to:

  • establish the safe operating limits (pressure and temperature) of their systems
  • ensure that a suitable written scheme of examination is in place before the system is operated
  • ensure that the pressure system is actually examined in accordance with the written scheme
  • carry out proper maintenance and provide suitable operating instructions

Cover to replace loss of profit from MOT testing and associated repair and servicing work following suspension or withdrawal of licence.

Cover to replace physical loss or destruction to property or contents resulting from a insured peril such as fire, lightening, explosion, aircraft, earthquake, riot, theft, storm, flood, impact, escape of water, accidental escape of water and accidental damage.

Covers loss of business money on business premises, or when carried by the insured or other employees, and personal accident cover is also included for those carrying money. It will even cover a small amount of cash at the home of directors or employees, both in and after business hours.

The Motor Insurance Database (MID) holds details of insurance arrangements for every insured vehicle on our roads. It helps ensure the UK is complying with the fourth EU Motor Directive, which assists European Union citizens claiming for accidents outside their countries of residence. It also helps tackle the problem of an estimated one million uninsured motorists in the United Kingdom, allowing the police to quickly identify whether a vehicle is insured.

The Motor Insurers’ Bureau (MIB) oversees the MID, and you can find a full guide on their website at www.mib.org.uk

Cover against accidents and injuries to key members of staff – part of money cover

Cover for any vehicle the property of the insured or in his custody or control which is in connection with the business in the event of an accident, injury, loss or damage occurring in the territorial limits during any period of insurance.

This section has a number of optional extensions which can be included, some of which are:- Unaccompanied Demonstration, Additional Business use, Loan & Hire.

Cover that is essential when you sell vehicles, you will sell a vehicle in good faith, however things can, and do go wrong resulting in loss, damage or injury. Sales Indemnity along with defective workmanship insurance will provide you with protection to the limit of indemnity.

Losses sustained when the lawful and rightful owner has substantiated a valid claim for the return of a vehicle or its value.

Business Insurance

Public liability insurance covers the cost of claims made by members of the public for personal injuries, loss of or damage to property that occur in connection with your business activities. This includes services you provide to the public that you wouldn’t necessarily charge for, such as providing complimentary tea or coffee.

Employers’ Liability is legally required if you are a limited company with employees or a partnership/sole trader with non-family employees. All our insurers provide at least the minimum cover of £5 million. This covers the cost of claims for injury or illness to employees resulting from their work where they believe the employer is responsible.

Stock insurance covers accidental loss, theft or damage of your stock within the limits specified in the insurer’s policy wording. The more stock you have, the higher your premium will be and there may be times of the year when you keep more stock, such as Christmas. So, instead of insuring your highest amounts of stock for the entire year ask us about ‘Seasonal Increases’ and only pay to insure what is necessary at any given time of the year.

Contents insurance covers everything in your building that would go with you if you were to move out, such as storage units and computers, this does not include your stock. This covers you for accidental loss, damage or destruction to these items within the limits stated in the insurer’s policy wording.

The buildings section covers the cost of rebuilding or repairing your premises following damage or destruction by a defined peril in the insurer’s policy wording. This cover is based on a ‘declared value’ which should cover the cost of rebuilding your premises from scratch, including debris removal, professional fees and additional costs to comply with Public Authority Requirements.

Legal expenses insurance covers the costs of defence in legal proceedings brought against your company. Different insurers have a variety of covers, such as contract disputes, employment disputes, criminal prosecution defence, property disputes, data protection and VAT disputes. Note that this cover does not indemnify you against penalties or fines that you are ordered to pay, only the defence costs.

The Business interruption section covers you if you had to stop trading for a while due to a defined peril in the insurer’s policy wording. It ensures that your employees get paid and you don’t lose revenue whilst you’re getting your business back on its feet. If you have a business continuity plan you can even cover the additional costs of running your business from elsewhere if a disaster was to render your business premises uninhabitable.

Make a claim

Our in house claims team will support your business by minimising the amount of arduous paperwork and wasted time on hold to your insurer. They’ll provide you with the necessary advice when making a claim and do all legwork for you.

Call 020 8298 2100

We have specialist schemes for the following types of cover:

  • General Business Insurance
  • Technology Insurance
  • Recruitment Agency and Consultant Insurance
  • Craft Brewers Insurance
  • Water Treatment Insurance
  • Self Drive Hire Insurance
  • Small Business Insurance
  • Nightclub Insurance
  • Recovery Operators Insurance
  • Fleet Insurance
  • New and Used Car Dealerships
  • Electrician Insurance
  • Painter and Decorators Insurance
  • Gas Fitter Insurance
  • Builders Insurance
  • Gardeners Insurance
  • Interior Designers Insurance
  • Domestic Cleaners Insurance
  • Commercial Cleaners Insurance
  • Demolition Contractor Insurance
  • Handyman Insurance
  • Locksmith Insurance
  • Glazier Insurance
  • Lawyer Insurance
  • Accountant Insurance
  • Bookkeepers Insurance
  • Marketing Agency Insurance
  • Software Developer Insurance
  • Consultant Insurance

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