Directors and Officers
Covers Directors, Officers and any people in managerial or supervisory roles for losses arising from claims against them by reason of a wrongful act related to their duties. Wrongful Acts could be employment related, financial or statutory obligations – basically anything that you could get sued for as long as it is not in relation to a criminal act.
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Group Personal Accident &/or Business Travel
A group policy that can be taken out to cover death and other benefits for all or specific levels of employees. An accidents only policy pays lump sum benefits following permanent total or partial disablement, dismemberment or death caused by an accident and weekly benefits for temporary total disablement. Hazardous pursuits (e.g. mountaineering) are sometimes excluded but can usually be bought back. A weekly/monthly benefit can be added for total disablement through sickness – a personal accident and sickness policy. Similar cover is also available for business travel cover with optional additional benefits to cover medical expenses, cancellation and other travel risks. Business travel can be purchased as an additional section on a Group PA policy or in isolation.
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Combined Liability
A policy covering two or more liability risks – Employers Liability, Public Liability &/or Products Liability.
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Contractors All Risks
A package policy specifically aimed at contractors of any kind. As well as cover for your liability exposures (Employers, Public & Products), the policy will also provide optional cover for the contract works site and materials, site huts, own plant, hired in plant, contents of show houses and other relevant exposures on site.
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Engineering Inspections
Did you know that as a business if you own certain types of plant and machinery it puts you under legal obligation to make sure that it's safe to use and fit for purpose?
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Commercial Combined
A package policy that covers your business assets and employers, public and products liability exposures with optional sections that can also be included such as Business Interruption, Money, Good in Transit, All Risks – Equipment away from the premises, Legal Expenses and Engineering Breakdown.
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Commercial Vehicle
A policy providing cover for the insurance of goods-carrying vehicles, buses and coaches, agricultural and forestry vehicles, mobile plant and other special types. Policies can usually be extended to also include cover for tools and equipment kept within the vehicle.
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Hauliers Liability
Covers liability for loss or damage to customers’ goods. Policies are rated on annual haulage charges. The rate varies according to the conditions of carriage.
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Marine Transit
Provides cover for loss or damage to goods whilst in transit and in storage during the normal course of transit, including imports, exports, inland transits, loading and unloading, and returned goods on a worldwide basis. Goods can be raw materials and/or finished goods and claims are paid based on the value of the goods, rather than weight, subject to the policy limits specified.
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Motor Fleet
A multi vehicle policy covering three or more vehicles on the same policy. Open driving for all drivers is usually provided rather than named drivers although the policy can be done on a named driver basis if required for a reduced premium. Temporary additional vehicles can be included easily and all vehicles have full business use by all drivers if required. Please refer to our sister site www.fleetcover.co.uk for more information.
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Motor Trade
A package policy to cover all the risks associated with business in the Motor Trade sector. Cover is available to insure our buildings, contents, tools, own and customers’ vehicles, business interruption, money and wrongful conversion, goods and vehicles in transit, employers and public liability including defective workmanship/service indemnity, engineering breakdown, statutory inspection and road risks.
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Package Policies
Bespoke package policies catering for the needs of these businesses. As well as providing cover for your business assets such as buildings, contents and stock, the policy extends to automatically include additional covers for employers, public and products liability, business interruption, money, goods in transit and other covers specifically linked to the trade (i.e. Loss of Licence).
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Property Owners and Investors
Specialist policy aimed at property owners &/or investors. Cover is provided for buildings, contents of common parts, other contents where needed, loss of rent and property owners liability. Insurers normally automatically provide additional covers to cater for the needs of property owners such as temporary alternative accommodation, damage to landscaped grounds and others.
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Professional Indemnity
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A policy protecting ‘Professionals’ against civil liability arising from a breach of professional duty subject to an annual aggregate limit. Insured’s own costs are covered in addition. Extensions include loss of documents cover.
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Landlord Insurance
Do you own property, rent it out, if you do it's important to protect your investments?
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Office Insurance
Looking for office insurance? IFM Insurance Brokers team has more than 20 years' experience in tailoring office insurance packages to fit individual business needs.
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Shop Insurance
Napolean once said ‘Britain is a nation of shopkeepers’ well if you run an business which sells goods to the public (whether it's a shop, restaurant, public house or hotel)
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Public Liability Insurance
It’s one of the covers everyone has heard of and most people need. Public liability insurance is designed to protect your business against a variety of risks.
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Goods in Transit
Carrying your own goods or someone else’s? If you are then chances are you will be looking for Goods in Transit insurance that's comprehensive, flexible and competitively priced.
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Engineering Insurance
As well as arranging Engineering Inspections, not everyone knows we can also provide other engineering insurance that's tailored to your individual business' needs.
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Tradesman Insurance
As Brokerbility Group members we have a special scheme for everyone from builders and bricklayers to labourers and landscape gardeners.
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Personal Accident Insurance
More than 2 million people in the UK are unable to work due to accident or sickness every year.
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Fire Safety
Under the Regulatory Reform Fire Safety Order 2005, it is now compulsory for companies to conduct a Fire Risk Assessment.
If you are an employer or have control over any part of non-domestic premises i.e. Office, Shop, Factory, Warehouse, Hotel, Bed & Breakfast, Residential and Care Home, Community Hall, Public House, Club, Restaurant, School and College, then you will need to carry out a 'suitable and sufficient fire risk assessment' and also record this if you have five or more employees, the premises are licensed or if there is an alterations notice in force (issued by the enforcing authority).
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Need help? Call 0114 268 4606 or email: info@ifmins.co.uk