Make sure you expect the unexpected

When running a business it is easy to get bogged down in the day to day routine, without assessing some of the potential disasters that could overcome your company. A whole range of unforeseen events can impact on your day to day operations, and insurance is available to protect against most eventualities.

Standard insurance policies normally cover loss of profits following any damage at your premises. This cover can be extended to include a wide range of other risks which could impact on trading and lead to a loss of turnover or increased costs. Examples include: 
 

  • damage to suppliers’, customers’, sub-contractors’ and storage premises anywhere in the world
  • loss of access to your premises caused by damage nearby
  • damage to a local attraction, such as a sports ground, that affects the trade of your business
  • closure or reduced turnover because of a murder, suicide, infectious disease, loss of license, defective sanitation, a bomb hoax or riots nearby
  • death of a key employee/director, or the death of a member of the Royal Family or a personality used in an advertising campaign
  • damage to specialised transport vehicles or to any contract site
  • breakdown of key equipment or loss of utilities
  • reputational damage, breach of copyright or patents
  • bankruptcy of key customer or large outstanding debts
  • failure of contractor
In many cases, your risks can often be contained by dual sourcing, changing the way you do business or having viable contingency plans. In some cases however, special insurance may be the only solution.

For more information on some types of policy that you may not have considered click on the following: 

 To find out more about reducing the risks to your business give Sutcliffe & Co a call on 01905 21681 or send an email.

 

"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Dermott Quinn, Managing Director Ductbusters Ltd

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"I highly recommend the Sutcliffe & Co team both for their proactive ongoing annual renewal work & also for helping during a recent claim. Its great to know we have a local firm with people we can rely on."

Julian Powell, Business Director, HallmarkHulme Solicitors

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“We had been with our current broker for several years and had become complacent. An increase in premiums led us to want to cross check with an alternative broker and we chose Sutcliffe. We found them a breath of fresh air; there was a transparency in our dealings, their advice gave us options and they found competitive ways of providing insurance from high quality companies."

Chris Oliver, Director, CHANE Investments Ltd

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“Talbot Transport has been with Sutcliffe and Co for many years and have the greatest confidence in their service. We like their friendly and personal staff and feel they have a good understanding of our business. Any problems we have are dealt with swiftly and smoothly with the least amount of disruption to our daily business”

Sophie Talbot, Partner, Talbot Transport

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“I was thrilled when I found Sutcliffe & Co, friendly, efficient and with competative prices. Their expert advisor really helped me through the insurance minefield and he went that extra mile that other companies just did not...."

Michelle Davies, Office Manager, Davies and Daughters Building Contractors

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Anthony Eddies-Davies, Director, Live The Adventure Ltd

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Sutcliffe Insurance Brokers Ltd t/a Sutcliffe & Co is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 21681 | Registered in England No 1167560

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