Goods in Transit


Cover is available for Statute, Common Law, Contract Conditions &/or Full Responsibility.


Cover includes as standard:

  • Loss of or damage to packing/securing materials

  • including sheets and ropes up to £2,500 per vehicle

  • Loss of damage to trailers not owned, leased or loaned but for which you are responsible

  • Loss of Drivers Personal Effects up to £350

  • Consequential Loss up to £250,000 but limited to the amount of Haulage Charges

  • Errors & Omissions up to £100,000


Optional Covers:

  • Loss or Damage to Owned, Hired, Loaned or Leased to you for attached and detached cover

  • Deterioration

  • Commercial Consideration

  • Goods in Store under contract conditions

  • Loss of Use for vehicle and/or trailer


Minimum Premium - £100 + IPT



Employers' Liability


Protection against your legal liability for bodily injury to your employees up to a limit of indemnity of £10,000,000 including costs

and expenses. Cover includes:


  • Legal costs and expenses in defending prosecutions under health and safety legislation

  • Unsatisfied court judgements in favour of employees injured in your employment by third parties

  • Compensation for court attendance as a witness in connection with any claim under this section.


Min Combined Liab Premium - £300 + IPT

Public Liability


Protection against your legal liability for bodily injury to third parties and damage to their property, including obstruction, trespass, nuisance, interference, wrongful arrest and eviction, and legal liability for fees, expenses, damages and claimants costs following injury or damage by goods that you have supplied, sold, repaired, tested or maintained. Limits of indemnity available £1M, £2M, £5M and £10M.


Cover includes:

  • Contingent motor third party liability arising out of the use of vehicles not owned by you within the UK

  • Legal expenses and costs in defending prosecutions under all relevant health and safety legislation

  • Defective Premises Act liability

  • Personal liability cover for employees and directors whilst they are overseas on your business

  • Legal costs and expenses in defending prosecutions under Part II of the Consumer Protection Act 1987

  • Liability for loss or damage to premises hired or rented to you for your business.


Minimum Section Premium - £200 + IPT



Cover can be issued on either an All Risks wording or on a Specified Contingencies basis, with of course options available for Accidental Damage, Subsidence & Terrorism.

Max Sum Insured per location £3M.


Additional Covers:


All Risks (UK or Worldwide)

Business Interruption

Outstanding Debit Balances



£250 increased to £500 Theft and Impact and £1,000 Subsidence


Minimum Premium - £250 + IPT



Accident & Sickness

Cover for you, your directors, partners and employees up to the age of 65 against accidental bodily injury. You can choose to

protect on a named or unnamed persons basis.


  • Cover against accidental bodily injury

  • Death, loss of limb(s), eye(s)

  • Permanent Total Disablement from any occupation

  • Temporary Total Disablement from usual occupation

  • Temporary Partial Disablement


Cover is provided on a 24 hour basis but for unnamed persons you can restrict cover to injury occurring at work.


Extensions Available:

Loss of Driving Licence

Business Travel


We have both rated and non rated security markets available, for both Haulage and Non-Haulage risks.  


Confirmed Claims Experience will be required or confirmation of earned NCB.