Shops/Offices

We can arrange a comprehensive range of essential and optional cover to ensure your retail and office premises are protected.

Shops

Core polices cover includes: buildings insurance; contents including fixtures and fittings; public, products and employers liability, glass cover and business interruption.

Offices

Buildings insurance; contents including fixtures and fittings; electronic business equipment; public and employers liability, glass cover and business interruption.

Extensions to all standard policies are also available on request.

Please contact us for further information on standard and enhanced policies.

Restaurants/Hotels/Pubs

We can arrange comprehensive cover for your premises to include:

Restaurants

General stock, including food and alcohol; electronic business equipment; fixtures and fittings; public, products and employers liability; glass cover; cash; loss of licence, loss of profits and business interruption.

Hotels

Contents; accidental damage; buildings cover; public, products and employers liability; cash; loss of income; freezer breakdown; alcohol; loss of licence; car parks, leisure faciliites, guests belongings and business interruption.

Public Houses

General stock, including food and alcohol; electronic business equipment; fixtures and fittings; public, products and employers liability; glass cover; cash; loss of licence, loss of profits and business interruption.

Extensions to all standard policies are also available on request.

Please contact us for further information on standard and enhanced policies.

Hair/Beauty

Competitive policies are available for your hair or beauty salon to include cover for;

Public, products and employers liability; treatment risk cover; business interruption; buildings cover; contents; fixtures and fittings; stock; glass cover; cash and loss of profits.

Extensions to all standard policies are also available on request.

Please contact us for further information on standard and enhanced policies.

Commercial Property

An extensive range of insurance solutions are available for commercial property owners. We will work closely with you to assess your individual situation and ensure that your investment is adequately protected.

Commercial combined

General cover relevant to most forms of commercial trade and industry, including; damage to buildings/stock/machinery; liabilities; loss of profits; cash; computers; goods in transit; legal expenses; glass cover, machinery inspection and breakdown.

Property owners

General policies cover all types of property (including flats and houses) for, loss of income; public liability; property owners liability; damage to property (malicious and accidental); theft; landlords contents; fixtures, fittings and glass cover.

Agricultural/Farm

General policy includes cover for farm buildings; contents; livestock; dead stock; personal accident; machinery; liabilities; milk tanks; computer breakdown; crops; and ancillary farming risks.

Public/Employers Liability

Employers liability insurance is a legal requirement and ensures you are covered in the event of bodily injury, illness, disease or death sustained by your employees, during their normal course of employment. The law requires a minimum cover of £10 million.

Public liability insurance ensures you are covered in the event of bodily injury to, or illness, disease or death of members of the public (excluding employees), or loss or damage to property not owned by you or in your custody or control. Martin Carey can arrange public liability cover from £1 million - £20 million.

Professional Indemnity

Many businesses, including more traditional professions, have a legal responsibility to provide accurate advice and service to customers.

Businesses who should consider professional indemnity insurance include:

• Architects
• Accountants
• Solicitors
• Construction professionals
• Surveyors
• Designers
• Management and Marketing Consultants
• Estate Agents

Professional indemnity insurance will help protect you from being sued for professional negligence. We would be happy to discuss all available aspects of cover including the levels of indemnity and excesses as appropriate to your profession.

Commercial vehicles

A range of policies are available to protect your commercial vehicles, whether you operate heavy & small goods vehicles, excavators and bulldozers. General cover includes: third party fire and theft to comprehensive cover. Facilities are also available for young drivers from age 17.