Business Insurance

Our target market here, unlike many insurers, is not simply business-specific risks underwritten ‘by the book’, but businesses that understand risk management and show effective control through factors like a good claim-free record.

By adopting this approach – ‘underwriting with intelligence’ – we are able to work with a wide variety of types of business. Drawing on the vast knowledge and experience of our underwriters, we can consider most risks without being prejudiced by the reputation of their market sector. Our Business Insurance product delivers A+ rated cover, either Lloyd’s or Company Market security depending upon the nature of risk and covers involved.

Key sections of cover:
Property damage, business interruption, general liabilities (up to £10m limit of indemnity), commercial legal expenses, goods in transit, money & assault, computer, business all risks, frozen foods, personal accident and loss of licence. We are able to consider large total sums insured and commonly quote for risks with more than £5m any one location and £20m any one policy. Please download the summary of cover below for further details.

We can also include Professional Indemnity and/or Excess Layer Liability under the same policy.

Target businesses include:

Manufacturers and wholesalers
Distribution companies
Engineering risks
Leisure*
Retail/wholesale warehousing
Chemicals (blended risk, not manufacturers)
Social care (but not care homes – we prefer private hospitals and dentists)
Plastics
Rubber
Light industrial (e.g. precision engineers, fabricators, machinery manufacture)

We do not write the following:
Waste, motor trade, hauliers liabilities.

* Shops, restaurants, pubs & hotels
Sorry, but we don’t usually write packages for smaller businesses in these sectors. However, we are happy to help with larger risks on an individual basis.

If you’d like to know more about our Business Insurance policy, talk to Tim Lockwood on 01728 726595 or e-mail him at tim.lockwood@glemham.com. Quote requests can be sent to quotes@glemham.com.

Download PDF

Business Insurance proposal form

Property Damage supplementary proposal form

Policy Summary

Business Insurance summary