The need to protect agricultural assets, income and legal liabilities creates a far more complex insurance purchase than once existed. We employ our own agricultural sector insurance brokers to provide specialist on site advice to the industry.
This is another major line of commercial insurance business for us, particularly in the area of Contractors Liability. In addition, we are able to arrange Performance Bonds, Warranty and other Guarantee products.
The basics are pretty simple – the need to protect Assets, Income and Legal Liabilities. However, the diversity of risk within the business sector and the range of available solutions invites a bespoke approach to the three basic needs.
We have markets for the full range of working vehicles from Taxis and Coaches through to Contractor’s Plant and Heavy Haulage.
The Engineering Insurance market will offer cover against Material Damage risks including Breakdown and also Business Interruption on many risks. Many businesses leave their means of production open to uninsured disruption by failing to consider this. Statutory plant inspection services can also be arranged.
Estates frequently present a range of insurance needs beyond the traditional country house and farm tenants. Diversification brings sports & leisure activity, holiday accommodation and alternative land use all requiring specialist insurance advice.
We have a team of people within our Dundee office who specialise in Group Scheme Insurance Arrangements. They facilitate the provision of cover and benefits to all participating members of a Group defined by e.g. common type of employment or employer.
20 years of experience in this marketplace has enabled us to establish an in depth understanding of Group needs from which has grown a considerable expertise in the negotiation of Cover, benefits and Costs.
Owner operated single vehicles through to substantial fleets. Continental and specialist haulage markets available.
We control a significant hotel and hospitality account. As with Pubs & Restaurants, nowadays the hospitality trade carries increased risks and liabilities which are best supported within an ongoing relationship with a local insurance broker. We have markets for the entire range from guest houses to large city and country house hotels.
The market for insurance products is constantly evolving and growing. We will explore with you the range of risks these businesses are exposed to and advise on available solutions in this dynamic market.
Public Liability - accidental injury or property
damage suffered by third parties.
Products Liability - for goods & products sold, supplied
or repaired.
Employer’s Liability - for death or injury to employees
in the course of their employment. This cover is a legal requirement for
most businesses.
We can advise on Cargo Transit risks, Airfreight and Road Transit. In addition, we have Marine Hull and P & I placing facilities for certain classes of commercial craft (including fishing vessels).
Facilities available with all leading insurance markets, usually starting at a minimum of five vehicles. Highly competitive premium financing is available.
We are significant insurance suppliers to the Motor Trade in each of our branch areas. A complete programme of cover for businesses requires a wide and complex range of insurances. We have the expertise to provide on-site advice to traders of all sizes.
We deal with a full range of the traditional and newer professions. Office or surgery premises, fee protection, IT protection, key person and professional indemnity risks all require individual consideration.
Our expertise spans the range from single premises to commercial estate management. One area frequently overlooked is the most effective means of protecting the rental income following insured loss or damage. We can advise on cost effective solutions.
In addition to the conventional covers, this sector requires specialist advice on security, loss of licence protection and business interruption extensions.
We are working in partnership with a well established insurance facility to bring on-site expertise to this exciting new sector. Projects considered include wind, wave, hydro and bio-gas plus involvement with energy efficiency contracting works, ground heat and all other forms of green energy activity.
All but the largest retail risks can usually be accommodated within a keenly priced package – finding the correct combination of price & cover is our job.
Clark Thomson are insurance brokers authorised and regulated
by the
Financial Services Authority
We are also members of BIBA
British Insurance Brokers Association
...on products and services, go to Find Your Nearest Office and make contact with the Clark Thomson branch nearest you.
We have linked up with a leading provider of Health & Safety management systems to offer Target 100 – a highly cost effective means of complying with regulation all the way through to practical action.
You can register for this service at :-
www.target100.com/
clarkthomson
