General insurance enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence.

Holiday

We all love our holidays, but what if you fall ill or have an accident; Many foregin countries do not provide free medical treatment as the National Health Service does in Great Britain, so if you require medical treatment while abroad it you could be faced by a substantial bill, particularly if this involves a stay in hospital or emergency repatriation. This is just one of the reasons why holiday insurance or travel insurance is so important. If you travel throughout the year, it may be worth condidering an annual travel policy.

Household

You need to consider two kinds of household insurance policy. Buildings insurance, which covers the structure of your home and any fixtures and fittings, and contents insurance, which covers all the furniture, furnishings and the like in your home. In fact, it covers anything you would take with you if you moved.

The sum insured under a buildings policy must be the full rebuilding cost of your home. As well as covering you against a long list of ‘risks’ (including fires, subsidence, theft, flood and storm) both types of policy include an important ‘liability’ section. This pays for compensation if you are successfully sued.

Business insurance

There are many aspects of business insurance to consider, including: buildings and contents, employers liability, professional indemnity, book debts, loss of money, public/products liability, goods in transit, deterioration of stock, consequential loss, all of which could affect offices, factories, vehicles and staff. Legal expenses insurance may also be worth considering.

Speak to us about your general insurance requirements now.