Business Insurance
Over our 30 plus years of advising businesses we have gained a clear understanding of how to tailor our commercial insurance protection for the individual needs of the business according to its industry sector.
For the micro business we understand the need to provide speedy access to insurance cover at a competitive premium. Both our insurer relationship strategy and our IT investment enable us to deliver on both aims.
Larger businesses require a more bespoke approach to their commercial insurance requirements. Understanding your business risks and requirements is key to providing a more sophisticated tailored insurance programme. Armed with an innate understanding of your business we use our access to local, Lloyd's and London markets to place your dedicated programme.
The design and placement of your programme and ongoing support will be provided by a small designated team, providing understanding and continuity of service.
We have experience across most industry sectors located in our geographies and in specialist insurance protection lines. Some are highlighted below.
Motor Fleet
Our motor fleet insurance experience is extensive across private car, commercial vehicle, mixed fleets, haulage and self drive hire.
Retail and Leisure
We have extensive experience of placing shop insurance and also businesses in the leisure sector including cafés/restaurants, pubs, hotels, sports and tourist attractions.
Manufacturing
Manufacturers face a distinct range of risk challenges, many of which are common to the sector. In view of this, it is essential that cover is tailored accordingly.
Group Personal Accident
This aspect of a company’s insurance programme is often overlooked and yet provides cover on your most valuable assets – your workforce.
Cyber Liability and Crime
Cyber crime is the biggest emerging threat to businesses. The insurance market is responding and protection is becoming more readily available.
Marine Trades
We have experience of and access to bespoke insurance solutions recognising the complex and diverse needs of the wider Marine Trades Sector.
Motor Trade
Placing Motor Trade insurance requires specialist knowledge and expertise which the team at Prescott Jones has gained since we first started arranging these policies in 1991.
Charity
We have full access to specialist insurance markets for charities, not for profit organisations, social enterprises and community interest groups.
Directors' and Officers'
Directors face an increasingly litigious society. This policy covers the cost of compensation claims made against directors and key managers for alleged wrongful acts.