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:

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• Policy Details:

  • Policy Number: 103415279

  • Effective Dates: From 03/11/2025 to 02/11/2026

  • Premium: £5,458.70 with an IPT of £655.04, totaling £6,113.74

  • Agent: Howden Broking Group Limited

• Cover Provided:

  • Property: Includes electronic business machines, contents, stock, and rent, with specific coverage limits.

  • Business Interruption: Covers up to £1.83 million for business disruption, including specific extensions for customers, suppliers, and properties away from premises.

  • Glass, Money & Assault, Goods in Transit: Various limits, including coverage for glass at £5,000, and goods in transit at £750,000.

  • Liability: Includes employers' liability (£10 million), public liability (£5 million), and product liability (£5 million).

  • Legal Expenses: Up to £500,000 for legal costs related to disputes, employment issues, and more.

  • Engineering (Equipment Breakdown): Coverage up to £5 million for breakdowns.

  • Personal Accident: Covers up to £25,000 for death or disability due to an accident.

  • Terrorism: Included under the policy.

• Key Exclusions:

  • Marine Cargo, Business All Risks (specified items), Loss of Licence are not covered under this policy.

  • Damage related to forklift truck usage and composite panels have additional conditions.

• Risk Management Tools:

  • The policy includes Arch Risk Management (ARM), providing online solutions for safety, human resources, and business continuity.

  • Arch Risk Management Plus offers additional support, including remote helpdesk support and onsite consultancy (at extra cost).

• Policy Conditions:

  • Specific obligations and exclusions apply, particularly related to machinery use, security levels, and processes involving forklift trucks and unattended equipment.