Business Insurance

By partnering with Reich Insurance the Utility Centre are able to help protect your business by finding the ideal insurance cover whatever your requirements.  Whether you are looking for commercial / residential property cover or you require a policy for your business we can help find the best policy offering the best value.

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 0843 456 0066

Property Insurance

When you need insurance for your property or portfolio, we will do our best to help. We can build a solution to protect your buildings, your liabilities as a property owner and your possessions too.

As the owner of a commercial property we understand the need for your property to be insured correctly, our policies cover you for:

> The cost of reinstating your property in the event of loss or damage.

> Any loss of rent if your propertyis rendered unusable following an insured event.

> Any claim against you as property owner for third party injury or damage.

As a property manager we understand you are responsible for arranging the insurance on your clients property.  We are awrae of your obligations and have the ability to arrange cover so that your clients are fully protected.  Our policies cover you and  or your clients for:

> The cost of reinstating the property in the event of loss or damage.

> Any loss of rent if the propetry is rendered unusable following an insured event.

> Any claim against your client or you acting as property owner for third party injury or damage.

Where you have formed a Right to manage (RTM) company, you have taken control of your building, thereby controlling costs and ensuring it is maintained.  We understand that as well as ensuring yor insurance costs are compeitive and deliver value for mony, you need an experienced insurance borker to advise you on the cover available.  It is paramount that your building has comprehensive cover so that if the wosr happens, the costs will be recoverable.  The Utility Centre specialise in RTM property insurance and have a number of superb facilities that deliver full cover at extremely comptitive premiums.  Our policies cover you for:

> The cost of reinstating the property in the event of loss or damage.

> Any loss of rent if the property is rendered unusable following an insured event, or the cost of comparable alternative accommodation whilst your property is repaired.

> Any claim against you as property owner for third party injury or damage.

In addition there are potential liabilities faced by the RTM company itself which require protection, Directors and Officers Liability insurance protects the individual Directors against claims made against them in personal capacity.

The Utility Centre have a number policies specifically for covering Homes of Multiple Occupation (HMO).  Our policies will cover you against:

> The cost of reinstating the property in the event of loss or damage.

> Any loss of rent if the propetry is rendered unusable following an insured event, or the cost of comparable alternative accommodation for your tenants whilst your property is repaired.

> Any claim against you as property owner for third party injury or damage.

In addition, we can provide additional complimentary covers for the following:

> Legal expenses

> Costs of repossing your property

> Tenants default

> Directors and Officers Liability insurance

 

 

Business Insurance

We provide tailored cover for your specialist insurance needs and financial advice to help secure your business’ future. From property to liability, construction to finance, trades to motor, and more.

Professional Indemnity insurance protects you against claims for loss or damage made by your clients or third parties resulting from negligent services you rpovided or negligent advice you offered in the course of your professional activities.

Whilst many professions are required to carry Professional Indemnity in order to trade, more and more firms are increasingly required to carry Professional Indemnity not only for their own protection, but also to satisfy contractural obligations.

One size does not fit all in Professional Indemnity, with certain insurers specialising in certain industries and policy wording varyingin the scope and scale of cover.  The Utility Centre can utilise our experience, industry knowledge and insurer relationships to ensure that you have the right cover for your professional activities irrespective of your profession and size.  Every firm is different and we ensure that your insurer knows exacly what you do, to ensure the cover is there when you need it.

The number of commercial crime and cyber losses is now a major concern for businesses.  Examples of claims we are seeing in this sector:

> Fund transfer fraud

> Cyber extortion

> Invoice fraud

> Data loss

> Banking fraud

> Traditional theft

> Theft of vehicles

Whislt these crimes are becoming more and more prevalent, they are also examples of claims that would not necessarily be covered under more traditional covers.  We therefore recommend that all our clients purchase comprehensive Cyber Insurance that will not only indemnify you should you experience a loss of this nature, but provide you with the technological assistance and subject matter expertise that you are likely to require, when dealing with an incident.

When it comes to insurance cover for charities we understand the responsibilities you have and we are here to ensure you have bespke cover which offers the right protection for your organisation, including staff, volunteers and service users alike.  Our charity insurance covers you may benefit from include:

> Public liability

> Employers liability

> Trustee liability

> Cyber risks cover

> Property damage

> Business interruption

> Professional indemnity

> Employment law protection

> Entity defence

> Fidelity

The water treatment sector is an ever-growing area with strict legislation now placing the control and testing for Legionella with the owner / operator of water systems.

The Utility Centre understand the water industry inside and out and the processes involved, giving us the ability to asses your risk and provide bespoke cover that’s not generally available on a standard insurance policy.

Our research tells us that most water treatment professionals have standard liability wordings in place.  However, these often come with a specific exclusion for legionella and efficacy, which engineers and consultants are not aware of and don’t appreciate the effect these limitations have on their own exposure.

There are very few specialist insurance products in the marketplace that can offer comprehensive cover against these liabilities.  Following a significant amount of research into the water treatment industry, we have identified the key insurance requirements and developed a bespoke, exclusive insurance package to protect water treatment engineers, consultants and companies against liabilities and risk faced within the industry.

 

 

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