- Efficacy cover, known as failure to preform
- Protects your liability for injury to third parties, or damage to third party property
- Turnover split between activities
- MOT Loss of Licence
- Defective Workshop Service Indemnity
Breach of duty in negligence liability may be found to exist where you fail to meet the standard of care required by law.
- Negligence
- Infringement of intellectual property rights
- Breach of confidence
- Corporate liability
- Directors & officers
- Employment practices
- Profits
- Commissions & training costs
- Civil authority ingress & egress
- Data breaches
- Cyber crimes
- 1st & 3rd party cover
- All risks cover
- Portable hand-held tools
- Overnight tools cover
- Any driver restrictions
- Mini fleet through to self insurance
- Risk management options
Ascend will assist you risk manage the remaining elements of your business to tailor the policy to you, these can include but not limited to:
- Buildings (Or Tenants Improvements)
- Stock (Vehicle, Parts & Accessories)
- Demonstration Cover (Accompanied / Un-Accompanied)
- Courtesy/Loan Vehicles
- Public Liability
- Engineering Inspection & Breakdown
- Business Interruption
At Ascend, we have our dedicated experts who are able to provide solutions from start-ups through to multi-site locations and can even arrange self-insurance programmes for the larger operator.
We appreciate the challenges that the fire & security industry faces, from national firms to sole traders. With this in mind, we have a bespoke fire & security Insurance which is tailored towards your trade activities, and we assist in building a policy to your specific cover requirements from a panel of our A rated insurers. We will highlight any differences in cover between insurers and ensure you are confident in your own insurance cover.
- Support against all regulators
- Regulatory investigations
- Regulatory prosecutions
- Breaches of contract
- Fees for intervention
- Employment tribunal and ACAS claims
- Defence for the organisation itself
- £100,000 data protection breach
- Customer/supplier contact cover
- Employee theft cover
- Deprivation of assets
- Employment civil fines
- Pollution clean up cost cover
- Third party electronic funds transfer cover
- Loss of directors’ time
- Brand damage
- Employee engagement impact
- 24/7 out of hours crisis line
- Stress and worry for directors & managers
- Defence against employment tribunal claims
- £25,000 pursuit cover for contract disputes and debt recovery
- Legal defence for directors, trusteees, partners and officers
- Negative social media crisis and public relations costs
- Circumstance investigation/mitigation costs
- 24 hours, 7 days a week crisis line straight to a solicitor at no additional cost
- Legal advice line Mon-Fri 8am-6pm
- Legally privileged advice, support & representation
- Downloadable legal & regulatory advice, support guides, letters & templates
- Access to our digital tools via exclusive portal
Why you need Fire & Security Insurance
There are legal requirements in the United Kingdom to have certain insurance policies in place, for a Fire & Security sector, there are two fundamental elements of cover that you need to be aware of.
- Business Interruption
Business interruption insurance is insurance coverage that replaces business income lost in a disaster. The event could be, for example, a fire or a natural disaster. - Employers Liability
This is also a legal requirement to obtain if you have at least one employee, this does include many types of sub-contractor too. If you are caught without cover, you can be fined up to £2,500 per employee, per day.
Stuart Belbin Cert CII
Please contact Stuart Belbin, who heads our charity division, for all charity enquiries. Stuart has been specialising in EPL Insurance for a number of years and would be more than happy to discuss your needs. Stuart’s contact details can be found below or, if you would prefer, please complete the contact form at the bottom of this page and Stuart will contact you at your convenience.
Account Executive
M: 07736956221 E: stuart.belbin@ascendbroking.co.uk
