Commercial Insurance

Howden (formally Laurie Ross but taken over - 0141 266 0007

Commercial Insurance covers:

Public Liability

Employers Liability

To make a claim: 

1.  Call the number above

Insurance documents can be found here:  M:\Generic Files\H&S and Quality\Insurance\

This policy is renewed in November; therefore, the policy may be in the previous year's folder.

Of course — here’s the summary laid out so you can copy and paste directly into an email, Word doc, or notes:

---

Insurance Cover Summary
(22/09/2025)

General Policy Details

• Policy Number: IP24BCOMC00024123800

• Insured: Matic Media Services Ltd

• Broker: Laurie Ross Ltd

• Insurer: iprism Underwriting Agency Ltd (underwritten by Tokio Marine HCC)

• Period of Insurance: 04/11/2024 – 04/11/2025

• Annual Premium (inc. IPT & fee): £10,277.02

---

Section 1 – Property Damage

Premises	Contents	Computers & Electronics	Stock	Buildings
Unit 9-11 Shawhead	£800,000	£35,756	£60,000	Not Insured
2 Hagmill Crescent	£206,410	Not Insured	Not Insured	Not Insured

Note: Flood excess £1,000. Intruder alarm condition applies.

---

Section 2 – Business Interruption

• Gross Profit: £915,000

• Indemnity Period: 12 months

• Accounts Receivable: £25,000

---

Section 3 – Money & Assault

• Non-Negotiable Money: £250,000

• Negotiable Money:

  • In Transit: £5,000

  • In Bank Night Safe: £5,000

  • On Premises During Business Hours: £5,000

  • On Premises Outside Hours (not in safe): £500

  • At Employee’s Home: £500

  • In Machines: £300

• Assault Benefits:

  • Death / Loss of Limbs or Sight: £10,000

  • Permanent Disablement: £10,000

  • Weekly Benefit: £100

  • Medical Expenses: £500

---

Liabilities & Legal Expenses

• Employers’ Liability: £5,000,000 (minimum statutory cover)

• Public & Products Liability: Included (standard £2m–£5m, per wording)

• Commercial Legal Expenses: Included via DAS

---