ACORD certificate

ACORD Certificates or ACORD Forms are standardised documents that summarise what liability insurance an organisation holds.

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Agricultural Vehicles (incl. Quads)

Tractors, telehandlers, quads, combines, trailers & plant: cost a small fortune, are essential to your operation & attractive to thieves.

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Bonds

Bonds are not actually a form of insurance but are closely related.

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Book Debts

This covers the cost of reproducing records and chasing debtors following the destruction of accounting records after an event, such as a fire.

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Buildings

Buildings Insurance normally covers the main structure, outbuildings, walls, gates and the property owner's fixtures & fittings.

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Business Interruption

Business Interruption Insurance (also known as Loss of Profits) will pay for your lost income should your income be disrupted by a claim.

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Care Farms

Care farms provide invaluable opportunities for a broad range of service users, unfortunately they can also be difficult to insure.

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Commercial Combined

Commercial Combined Insurance is a custom made policy created using different individual types of insurance in order to make a bespoke policy.

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Commercial Package

Commercial Package policies give a basic all round package of cover for businesses.

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Computer insurance

Comprehensive cover for computer equipment that includes eventualities such as breakdown, re-instatement of data and consequential loss.

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Contents - business

Business contents insurance can cover furniture, furnishings, equipment, etc. for loss, theft or damage.

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Contract works / Contractors All Risks

This covers temporary and permanent construction works plus materials, should they be stolen or damaged.

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Credit Insurance (incl Rent Guarantee)

Credit Insurance protects businesses against debtor insolvency or failure to pay an outstanding debt.

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Cyber Insurance

Cyber Liability insurance is designed to cover the modern day risks associated with electronic data, communications and information.

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Data Protection

This can help you and your business in case of a data breach - and with your GDPR compliance.

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Directors & Officers

Known as D&O, this is designed to indemnify directors and officers from claims against them personally for failing in their duties.

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Efficacy

Designed to cover the failure of an item to perform its intended function; often purchased as an extension to Products Liability or Public Liability.

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Employer's Liability

This is a legal requirement for all employers to cover them should an employee suffer a work related injury or disease.

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Engineering

This is cover for plant, and can include breakdown, damage, damage to surrounding property, business interruption & deterioration of stock.

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Engineering Inspection

A legal requirement for certain types of equipment, which must have a certificate to prove that it is in a serviceable and safe condition.

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Environmental Liability

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.

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Equipment/Machinery Breakdown

If you have plant, machinery or equipment that is vital to your business then consider Engineering Insurance

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Event Cancellation

Event organisers need to consider protecting themselves from unexpected events that could cause cancellation.

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Events & Activities

Sutcliffe & Co can provide event organisers with specialist insurance packages designed to cover the requirements of an event.

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Fidelity / Employee Dishonesty

Fidelity Insurance is designed to protect businesses from dishonesty and thefts by employees.

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Fleet

Fleet insurance enables a number of vehicles to be insured on one policy. Insuring a fleet reduces administration, increases flexibility and cuts costs.

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Flood

Revolutionary & rapid-payout flood cover for businesses and landlords

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Flood Recovery

Steps to take, along with a downloadable checklist, to help you, your property & your business recover from flooding

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Goods in Transit

Goods In Transit Insurance covers a business for loss or damage to cargo, stock or other items being transported.

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HGV

Heavy Goods Vehicles / HGVs are a considerable financial investment and need the correct insurance.

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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.

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JCT 21.2.1

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.

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Kidnap & Ransom

Kidnap & Ransom insurance provides the services of a specialist consultancy to effect the quick and safe release of the victim.

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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.

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Land Owners Liability

Land Owners Liability Insurance covers the owner of land or property for their legal liability for injury or damage to others.

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Latent Defects

Latent defects insurance covers against defective design, materials or workmanship that are discovered after construction of a building is complete.

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Legal Expenses

This provides a legal service and costs to defend or pursue certain legal actions.

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Legal Indemnity

Legal Indemnities cover a wide range of risks that may be encountered in conveyancing transactions, providing a tool to mitigate the problem.

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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.

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Loss Recovery

Loss Recovery Insurance will pay your uninsured costs following a claim that is not your fault.

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Marine Cargo / Transit

The term 'marine' is misleading as this insurance can cover goods being transported by land, air, rail or sea.

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Marine Hull

Traditionally this just covered the main structure of a boat, but now it covers a lot more - including aircraft.

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Medical Malpractice

A form of professional indemnity insurance designed to cover claims for, or accusations of, medical negligence.

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Money

Money Insurance covers cash, cheques, stamps, etc against all risks.

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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.

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Performance Bonds

Frequently required as part of a construction industry contact between client/developer and contractor.

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Personal Accident & Illness

Personal Accident & Sickness Insurance pays a benefit in the event of death, injury or illness of an insured person.

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Personal Guarantee Insurance

Signing a personal guarantee may be needed to secure much needed finance - this insurance helps reduce the associated risk.

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Plant & Equipment

Plant and Equipment insurance will cover your business contents and machinery.

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Private Medical

Private Medical Insurance, or PMI, is designed to cover the costs of private medical treatment for injuries or illnesses.

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Prize Indemnity

This cover allows event organisers to offer competitions with generous prizes by minimising the risk of a big win.

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Product Recall

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.

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Product Guarantee

Product Guarantee Insurance gives cover should a product fail to perform its intended function.

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Products Liability

Products Liability Insurance covers the insured’s legal liability for injury or damage sustained by purchasers or users of products.

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Professional Indemnity

Designed to cover individuals / businesses engaged in professional services for claims of alleged breach of professional duty.

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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.

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Public Liability

Public Liability insurance is designed to cover the insured’s legal liability to compensate others for personal injury or damage to their property.

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Refund Protection

Being able to refund your customers' tickets if they have to cancel but with no cost or admin burden for you? It can be done!

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Reinstatement of Computer Data

Reinstatement of computer data usually forms part of a Computer Insurance policy.

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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.

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Stock

Insuring your stock can cover the cost of replacement should it be damaged or stolen.

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Tenants Improvements

Tenants Improvements Insurance will cover you if you rent or lease a property and have spent money improving or refurbishing the property.

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Terrorism

Terrorism Insurance can be purchased to extend existing cover to include losses caused by a terrorist act.

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Tools

Tools and equipment can be vital but are at risk of loss or damage and are very attractive to thieves.

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Tour Operator's Liability

Things can go wrong on a trip and the tour operator could be held responsible - this insurance can help.

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Treatment Risks

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.

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Trustees & Committee Members' Liability

Indemnifies trustees & committee members from claims against them personally for failing in their duties.

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Unoccupied Property

Unoccupied properties are often a target for vandals, arsonists and squatters, so you should seriously consider the security of your property.

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See the whole package

We're experts in building bespoke packages made up of individual insurance products. Get in touch for more information: 01905 21681
For a personal service in a commercial world, get in touch with our specialist insurance brokers on
01905 21681