Commercial Insurance
Christie Insurance has been arranging commercial insurance policies for over 25 years. Our commercial combined policy can be tailored to your business and offers additional policy covers to suit the needs of industries such as manufacturing, engineering, wholesale and warehousing.
As we are independent intermediaries, we are not tied to any one insurance company. We offer a range of products from leading UK insurers including: AXA, Zurich, Fortis (formerly Northern Star), Allianz Cornhill, Norwich Union, Royal & Sun Alliance, NIG, Lloyds of London and many more.
Due to the volume of business we place with our partners we often benefit from additional discounts, enabling us to obtain considerably more competitive rates.
Call us now to see if you could save up to 15% on your renewal terms.
Key Features
We understand that all businesses are different so our bespoke policy is designed to cover the business assets, earnings and legal liabilities. The standard policy includes:
- Contents
- Stock
- Goods in Transit
- Loss of Profits (Business Interruption) – up to 36 months’ indemnity
- Book Debts
- Glass
- Deterioration of Frozen and Refrigerated Food
- Failure of Electricity Gas & Water
- Loss of Money with Assault Extension
- Employers’ Liability – standard at £10 million
- Public/Products Liability – Standard at £2 million
Common additional covers are:
- Building Reinstatement (inc Subsidence)
- Loss of Personal Effects
- ‘All Risks’ on property away from the premises
- Legal Expenses
- Employee Dishonesty
- Engineering Inspection
- Excess of Loss (Public Liability)
- Terrorism
Although your company’s only legal requirement is to take our Employers’ Liability insurance, you may also be bound by the terms of your mortgage provider to insure your building.
Specimen policies can be provided on request.
Christie Insurance – The Intelligent Choice
