# 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:

---

- **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.