Protect your business. Even when not everything goes to plan.

Buildings, offices, workshops, warehouses, equipment and goods. We check their value, how they are used, where they are located and how they are secured.

We also take into account seasonal changes in stock, new premises and assets you use away from your registered office. For leased and entrusted items, we verify whether – and on what terms – they are included in the cover.

The aim is to avoid a situation where a policy exists, but its scope or sums insured lag behind the actual state of the business.

Damage to a customer’s property, bodily injury or loss caused by a defective product or by work carried out can be worth far more than the job itself.

That is why we look at the specific activities you carry out and their possible consequences. We also check items taken in for repair or processing, leased property, work at customers’ premises and the territorial scope of the insurance.

Where the nature of the business requires it, we also deal with professional indemnity and financial losses that do not result from damage to property or health.

Repairing the building or replacing a machine is only one part of the problem. During the downtime, wages, rent and other costs may keep running while income falls.

We will help you judge whether business interruption insurance makes sense and which events it should follow on from. The time needed to get back up and running also matters – delivery of new equipment or repairs to the premises can take longer than it first seems.

A production machine, work equipment or electronic equipment can be essential to running the business. Standard property insurance may not cover their internal breakdown or operator error.

We look into machinery and electronics insurance, including mobile equipment used on jobs. We take into account how the equipment is operated and maintained, its value and the financial impact if it fails.

For construction and installation jobs, we arrange cover for work in progress, materials, site facilities, construction machinery and surrounding property.

Depending on the type of work, we assess insurance for a single project or a framework solution for repeat contracts. We pay attention to the construction period, trial operation, cover conditions during the warranty period and the involvement of subcontractors.

At the same time, we check how this ties in with your general business liability cover. Liability arranged for a specific construction project may not cover all the company’s other activities.

We will help you insure individual company vehicles as well as your whole fleet. Besides the price and excesses, we also look at how the vehicles are used and the scope of assistance.

If you transport goods, materials or equipment, we also assess the risks in transit. We distinguish between insuring the cargo itself and the carrier’s liability – they are different kinds of protection.

We also help owners’ associations, housing cooperatives and owners of rented properties.

We check the value of the building, the common parts, the building systems and the liability that comes with managing or owning the property. Where needed, we also deal with the liability of elected board members.

We take into account renovations, new building systems and changes in how the premises are used, so that the insurance reflects the actual state of the building.

A sports ground, guesthouse, restaurant or holiday resort combines property protection with liability towards visitors and customers.

So we are interested not only in the building itself, but also in the activities on offer, the equipment, seasonal operation and any events you hold. On that basis we propose the scope of cover and check the conditions that matter for that particular operation.