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Providing Business Insurance you can rely on

Take the worry out of work with Websters.

Your business is unique and your insurance should be the same.
Many insurance companies will offer you a perfectly decent standard package, but at Websters, we don't do 'one size fits all'. More than ?? small, medium and large businesses trust us to manage their insurance needs and each receives a bespoke package tailored to the specific risks their business faces - and which we work closely with you to understand and plan for.

Our recommended solution to your insurance protection needs is based on the following demands and needs you have advised to us. We have given a brief description of the types of cover available to help your understanding. Please refer to us or to the policy documents if you require more information about any of these.

Cover Heading
Description of Covers Available
Required
Property Damage
This covers unforeseen loss of or damage to insured property by an insured peril
Business Interruption
This covers financial losses resulting from loss or damage to property by an insured peril for a specified period of time after the event
Loss of Money
This covers loss of money from the insured premises, at an employee's home or in transit up to specified limits, and includes personal accident and personal effects cover following assault
Trade All Risks
This covers loss or damage to specified property for 'All Risks' as defined on the policy or anywhere within the geographical limits
Computer
This covers loss or damage to computers and can be extended to include breakdown, reinstatement of data and additional costs of working
Deterioration of Stock
This covers loss or damage to stock stored in temperature controlled conditions following breakdown of the refrigeration plant or leakage of refrigerant
Loss of Licence
This covers financial loss in the event of non-renewal or withdrawal by the authorities of a licence required for a business
Employers Liability
This covers legal liability for death or injury to employees caused in the course of their employment. This cover is a legal requirement for most businesses
Public Liability
This covers legal liability for accidental injury to third parties or for damage to their property arising from the business excluding liability caused by goods or products sold or supplied
Products Liability
This covers legal liability for accidental injury to third parties or for damage to their property arising out of goods or products sold or supplied
Contract Works
This covers physical loss or damage by an insured peril to buildings in the course of erection and the materials, plant, works and equipment associated with the construction
Hired in Plant
This covers legal liability under a hiring agreement for loss of or damage to specified plant and can be extended to include continuing hire charges
Motor
This covers statutory liability under the Road Traffic Act for injury and/or damage to own vehicles
Engineering Insurance
This covers loss of or damage to engineering plant
Engineering Inspection
This covers statutory inspection of plant
Marine Cargo
This covers loss or damage to stock and other property outside the UK and/or within the UK in transit or temporarily stored in the course of transit
Personal Accident
This covers the payment of agreed amounts following death, permanent and/or temporary disablement of an insured person by an insured event
Business Travel
This covers medical expenses, personal accident, cancellation, personal effects and/or money whilst travelling on business
Legal Expenses
This covers legal defence costs, including the payments of awards in employment disputes
Fidelity Guarantee
This covers financial loss due to the dishonesty of employees and includes auditors' costs in establishing the amount of the loss
Directors & Officers' Liability
This covers the personal liability attaching to directors and officers in respect of claims made against them as directors and officers of a business
Professional Indemnity
This covers legal liability sustained as a result of wrong, negligent or misleading advice or treatment given
Trustees' Liability
This covers the personal liability attaching to trustees if they are in breach of legislation and the duty owed to their employer company, plan or corporate trustee
Cyber Liability
This covers third party liability claims alleging financial loss caused by a wrongful act arising from insured services while performing cyberspace activities, eg websites, emails etc
Environmental Impairment
This covers legal liabilities to third parties for pollution and clean up costs for the insured's or third party's site
Other Covers
None