ACORD Certificates or ACORD Forms are standardised documents that summarise what liability insurance an organisation holds.
Agricultural Vehicles (incl. Quads)
Tractors, telehandlers, quads, combines, trailers & plant: cost a small fortune, are essential to your operation & attractive to thieves.
This covers the cost of reproducing records and chasing debtors following the destruction of accounting records after an event, such as a fire.
Buildings Insurance normally covers the main structure, outbuildings, walls, gates and the property owner's fixtures & fittings.
Business Interruption Insurance (also known as Loss of Profits) will pay for your lost income should your income be disrupted by a claim.
Business Travel (incl group travel)
Similar to holiday insurance, Business Travel Insurance extends to allow work abroad and covers business equipment for individuals or a company.
Care farms provide invaluable opportunities for a broad range of service users, unfortunately they can also be difficult to insure.
Chancel Repair Liability dates back to medieval times, when Churches (or more specifically their Chancels) were maintained by wealthy land owners.
Commercial Combined Insurance is a custom made policy created using different individual types of insurance in order to make a bespoke policy.
Commercial Package policies give a basic all round package of cover for businesses.
Comprehensive cover for computer equipment that includes eventualities such as breakdown, re-instatement of data and consequential loss.
Contents - business
Business contents insurance can cover furniture, furnishings, equipment, etc. for loss, theft or damage.
Contract works / Contractors All Risks
This covers temporary and permanent construction works plus materials, should they be stolen or damaged.
Credit Insurance (incl Rent Guarantee)
Credit Insurance protects businesses against debtor insolvency or failure to pay an outstanding debt.
Cyber Liability insurance is designed to cover the modern day risks associated with electronic data, communications and information.
This can help you and your business in case of a data breach - and with your GDPR compliance.
Directors & Officers
Known as D&O, this is designed to indemnify directors and officers from claims against them personally for failing in their duties.
Designed to cover the failure of an item to perform its intended function; often purchased as an extension to Products Liability or Public Liability.
This is a legal requirement for all employers to cover them should an employee suffer a work related injury or disease.
This is cover for plant, and can include breakdown, damage, damage to surrounding property, business interruption & deterioration of stock.
A legal requirement for certain types of equipment, which must have a certificate to prove that it is in a serviceable and safe condition.
These policies can be tailored to give you the level of protection you need, either as a potential polluter or as a landowner sitting on an unknown risk.
If you have plant, machinery or equipment that is vital to your business then consider Engineering Insurance
Event organisers need to consider protecting themselves from unexpected events that could cause cancellation.
Events & Activities
Sutcliffe & Co can provide event organisers with specialist insurance packages designed to cover the requirements of an event.
Fidelity / Employee Dishonesty
Fidelity Insurance is designed to protect businesses from dishonesty and thefts by employees.
Fleet insurance enables a number of vehicles to be insured on one policy. Insuring a fleet reduces administration, increases flexibility and cuts costs.
Goods in Transit
Goods In Transit Insurance covers a business for loss or damage to cargo, stock or other items being transported.
Heavy Goods Vehicles / HGVs are a considerable financial investment and need the correct insurance.
Hired in Plant
If you hire plant or equipment, the hire company will often expect you to insure it whilst it is in your possession.
In simple terms, this is insurance to cover you should a neighbour's property suffer damage as a result of the work carried out on your property.
Kidnap & Ransom
Kidnap & Ransom insurance provides the services of a specialist consultancy to effect the quick and safe release of the victim.
Lack of Planning Consent
Typically used when purchasing a property that has had recent building work carried out but there is no evidence of planning permission.
Land Owners Liability
Land Owners Liability Insurance covers the owner of land or property for their legal liability for injury or damage to others.
Latent defects insurance covers against defective design, materials or workmanship that are discovered after construction of a building is complete.
Legal Indemnities cover a wide range of risks that may be encountered in conveyancing transactions, providing a tool to mitigate the problem.
Loss of Rent
Loss of Rent Insurance will compensate landlords should a property become uninhabitable following an insured event; such as a fire or flood.
Loss Recovery Insurance will pay your uninsured costs following a claim that is not your fault.
Marine Cargo / Transit
The term 'marine' is misleading as this insurance can cover goods being transported by land, air, rail or sea.
Traditionally this just covered the main structure of a boat, but now it covers a lot more - including aircraft.
A form of professional indemnity insurance designed to cover claims for, or accusations of, medical negligence.
Non negligence / 6.5.1
Non Negligence Insurance in the construction industry is also known as JCT 12.2.1 or JCT 6.5.1 insurance.
Frequently required as part of a construction industry contact between client/developer and contractor.
Personal Accident & Illness
Personal Accident & Sickness Insurance pays a benefit in the event of death, injury or illness of an insured person.
Personal Guarantee Insurance
Signing a personal guarantee may be needed to secure much needed finance - this insurance helps reduce the associated risk.
Private Medical Insurance, or PMI, is designed to cover the costs of private medical treatment for injuries or illnesses.
This cover allows event organisers to offer competitions with generous prizes by minimising the risk of a big win.
This covers the cost of recalling a product that has a dangerous defect, has been maliciously tampered with or is subject to malicious threats of contamination.
Product Guarantee Insurance gives cover should a product fail to perform its intended function.
Products Liability Insurance covers the insured’s legal liability for injury or damage sustained by purchasers or users of products.
Designed to cover individuals / businesses engaged in professional services for claims of alleged breach of professional duty.
Property Owner's Liability
Property Owners Liability Insurance covers the owner of a building or land for their legal liability for injury to third parties or their property.
Public Liability insurance is designed to cover the insured’s legal liability to compensate others for personal injury or damage to their property.
Reinstatement of Computer Data
Reinstatement of computer data usually forms part of a Computer Insurance policy.
Statutory Equipment Inspection
There is a legal requirement for certain types of equipment to have a certificate to prove that they are in a serviceable and safe condition.
Tenants Improvements Insurance will cover you if you rent or lease a property and have spent money improving or refurbishing the property.
Terrorism Insurance can be purchased to extend existing cover to include losses caused by a terrorist act.
Tools and equipment can be vital but are at risk of loss or damage and are very attractive to thieves.
Tour Operator's Liability
Things can go wrong on a trip and the tour operator could be held responsible - this insurance can help.
This cover may be required if you are in an industry where you could inadvertently cause damage or harm to the person or item you are working on.
Trustees & Committee Members' Liability
Indemnifies trustees & committee members from claims against them personally for failing in their duties.
Unoccupied properties are often a target for vandals, arsonists and squatters, so you should seriously consider the security of your property.