C and B Insurance Services Ltd

Telephone: 01442 870161
Fax: 01442 873520

Professional Business Insurance

C & B Insurance Services, commercial insurance, offer a complete range of insurance solutions and packages to meet the needs of most businesses and organisations of any size. We can tailor packages to meet your precise needs, offer a free insurance review and always strive to give the best prices, service and insurance cover that is right for you.

Employers' Liability
This Insurance is required by law and provides cover for Legal Liability in respect of Injury sustained by any employee arising out of and in the course of his or her employment. Insurance is provided for all declared work undertaken by the insured.

Public Liability
Under this section indemnity is granted for Legal Liability in respect of injury to any person (other than an employee) and/or damage to property arising during the course of your company's business activities. The insurance will also include cover for Products Liability.

Products Liability
Products Liability is provided under the standard Public Liability section and will include indemnity for any legal liability arising out of any product sold, supplied, stored, handled, manufactured, treated or distributed by the insured in connection with their business.

Contractors' All Risks
Cover is provided on an All Risks basis for work in progress, materials in trust or in temporary storage and at the contract site. Cover can be extended to include loss or damage to your plant and equipment or hired-in plant including continuing hire charges.

Financial Loss
In the event of the insured being legally responsible for Financial Loss, some insurance policies can be extended to provide indemnity up to a defined limit during any period of insurance.

Buildings, Contents and Equipment
Insurance can be arranged for buildings, office contents, stock and any other property against the risks of all-risks, fire, special perils, theft and other perils.

Motor Fleet
We also provide competitive motor fleet insurance. For further details please visit: Motor Fleet

Contact C & B
Call C & B Insurance Services, commercial insurance, today on 01442 870161 to discuss your insurance needs. We can also provide a free review of your existing Insurance cover and discuss your precise needs
Construction and Trades Insurance
At C & B Commercial Insurance we offer a fully tailored insurance service for the Construction and Trades industry, tailoring the insurance cover to meet your needs in a complete and competitive package.

We provide commercial insurance services to a wide range of industry sections including; contractors, construction, manufacturing, wholesalers and trades to both small businesses and large organisations.

We particularly specialise in High Risk Trades. i.e.- Roofers, Scaffolders, Demolition Contractors, Steel Erectors, Civil Engineers/Groundworkers and any industry which involves working at Height and/or the use of Heat. We have an exclusive panel of Insurers that work with us to obtain the best premiums and cover for the Construction and Manufacturing industries. With C & B Insurance Services, no risk is too small for us and nothing is too big.

We are highly experienced, regulated by the Finanical Services Authority (FSA) and because we are independent, we can choose the Insurance policy that best suits your needs at a budget that delivers the value our customers expect.

Manufacturing Industry
If you run a business within the manufacturing sector, then every day you’ll find that your employees and your business are exposed to a range of risks. Manufacturing risks tend to be more complex than standard commercial risks, and it’s therefore essential that you deal with an insurance provider who really understands your business sector.

At C & B Insurance Services Limited, we are a business insurance specialist and understand the pressures facing manufacturers today. That why we’ve developed a range of insurance policies just for manufacturers that’s specifically tailored to give you the cover you need at a competitive price.

Our manufacturing insurance is tailored to cover the assets, earnings and legal liabilities of your business. The standard policy can provide cover for a range of risks including public and product liability, business interruption cover and cover for your trade contents, machinery, plant and stock. However, we also give you the choice of including a number of options such as employer’s liability a requirement if you have employees and cover for your buildings (a list of these are shown below).

Employer's Liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.
Public Liability - Under this section indemnity is granted for Legal Liability in respect of injury to any person (other than an employee) and/or damage to property arising during the course of your company's business activities. The insurance will also include cover for Products Liability.
Products Liability - Products Liability is provided under the standard Public Liability section and will include indemnity for any legal liability arising out of any product sold, supplied, stored, handled, manufactured, treated or distributed by the insured in connection with their business.
Buildings - Covers the cost of rebuilding your premises.
Theft by Employees - Cover against a direct loss as a result of fraud or dishonesty by employees.
Specified All Risks - Provides cover for specified items used away from the business premises throughout the UK and up to 30 consecutive days elsewhere in the world.
Computer Breakdown - Provides cover for loss or damage caused by computer breakdown or failure up to a value specified by you. Cover also extends to:
Loss or damage to computer records.
Additional expenditure arising from the breakdown of computer equipment.
Reinstatement of data.
Personal Accident - This cover provides compensation in certain circumstances to principals, directors and partners, up to 65 years of age arising from accidents at work.
Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip.
Terrorism - Covers you against damage to your property from the effects of acts of terrorism up to the maximum sums insured of Section 1 - Contents and Section 4 – Buildings

Shop, Restaurant & Café
Shop Insurance is relevant to you if you own or operate a shop, restaurant, café, takeaway or retail outlet. The retail sector is busy by nature and, however many precautions you take, accidents can always happen. You can tailor your policy to suit your exact business needs and ensure perfect peace of mind in the process.

With your insurance policy, you can include:

Public Liability Insurance
Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public. If your business operations were to injure a member of the public or damage their property in some way, public liability insurance would cover you in the event of a claim being made against you.
Employers’ Liability Insurance
If you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.
Building Insurance
If you own or are responsible for insuring your retail premises, this optional add-on will cover you should your building become damaged as a result of fire, flood, theft or other such risks.
Stock and Contents
Stock and contents insurance insures you against the same risks as building insurance, but for your stock, equipment, fittings etc.
Business Interruption
If your business had to stop trading due to an unexpected occurrence such as a fire, flood or theft, business interruption would cover you for any income lost and additional expenditure spent during this period.
Money Cover
This covers your business if cash is stolen on your premises. It is important to note that ‘money cover’ does not just insure cash, but stamps, postal orders, gift tokens and vouchers too.

Office & Surgery Insurance
Think of your office environment and you will recognise the obvious need to protect valuable and specialist equipment. But the contents of the office are just a small part of what makes it valuable. Think of the critical business records on site, both paper-based and electronic; think of the people who populate your office and the specialist skills that they bring to the business. What does this collective value represent to your company, especially if your office constitutes the primary place of business?

No need to worry about your office or surgery - it's in safe hands. We offer insurance for office-based professionals and occupations, as well as insurance cover for surgeries including doctors, dentists, opticians, vets and alternative therapy practitioners.

Our aim at C & B Insurance Services Limited is to streamline your insurance program into one office policy to clarify and simplify so that you can readily see that the cover you get will accurately reflect the needs of your business. This allows you to concentrate on making your business a success. If we identify that you need specialist cover for Professional Indemnity we will advise you of this separately.

Key features
Loss or damage to contents
Option for All Risks cover for office equipment taken anywhere in the UK
Glass
Business Interruption
Money including Personal Accident (assault)
Employer's Liability

Our range of Insurance Services for Construction and Trades
Employers' Liability
This Insurance is required by law and provides cover for Legal Liability in respect of Injury sustained by any employee arising out of and in the course of his or her employment. Insurance is provided for all declared work undertaken by the insured.

Public Liability
Under this section indemnity is granted for Legal Liability in respect of injury to any person (other than an employee) and/or damage to property arising during the course of your company's business activities. The insurance will also include cover for Products Liability.

Products Liability
Products Liability is provided under the standard Public Liability section and will include indemnity for any legal liability arising out of any product sold, supplied, stored, handled, manufactured, treated or distributed by the insured in connection with their business.

Contractors' All Risks
Cover is provided on an All Risks basis for work in progress, materials in trust or in temporary storage and at the contract site. Cover can be extended to include loss or damage to your plant and equipment or hired-in plant including continuing hire charges.

Financial Loss
In the event of the insured being legally responsible for Financial Loss, some insurance policies can be extended to provide indemnity up to a defined limit during any period of insurance.

Fidelity Guarantee (Theft by Employees)
The company will indemnify the insured for direct loss of money or goods belonging to customers of the insured caused by any act of theft committed during the period of insurance by an employee of the insured. This cover is only available in specific cases.

Buildings, Contents and Equipment
Insurance can be arranged for buildings, office contents, stock and any other property against the risks of all-risks, fire, special perils, theft and other perils.

Contact C & B
Call C & B Insurance Services today on 01442 870161 to discuss your insurance needs. We can also provide a free review of your existing Insurance cover and discuss your precise needs.

Request a free insurance review and make sure you are properly and fully covered.

In today’s litigious society, having the right insurance cover is more essential than ever. You need to know you have the correct cover to protect your business should disaster strike.

Our insurance experts can arrange a free insurance review at a time to suit you. We'll check current legislation for your industry sector, review the most up to date policies on the market and find you the best prices.

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