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.