AXA - Be Life Confident

Trade Specific Packages

Professionals Insurance -This AXA insurance package has been designed for Professionals with up to 8 persons working for the business and a turnover of £500,000 or less, with no premises to insure.

Professionals Insurance provides you with Public Liability and Professional Indemnity, including up to 50 man days cover for temporary staff and Personal Accident for death and capital benefits as standard. There are also a number of optional covers for you to choose from.

Tradesmen Insurance -This AXA insurance package has been designed for Tradesmen with up to 8 persons working for the business and a turnover of £500,000 or less, with no premises to insure.

Tradesmen insurance provides you with Public Liability, including up to 50 man days cover for temporary staff and Personal Accident as standard. There are also a number of optional covers for you to choose from.

Hotels Insurance - A business insurance package suitable for small hotels, motels, inns and guest houses.

The policy automatically provides “All Risks” cover for Contents, Business Liability, Business Interruption and Legal Expenses cover. Many optional extra covers are available including cover for Buildings, Subsidence, Computer Breakdown, “All Risks” on Business Equipment and Employee Theft.

Shops Insurance - A business insurance package for retailers and franchises.

The policy automatically provides “All Risks” cover for Business Contents, Business Liability, Business Interruption and Legal Expenses cover. Many optional extra covers are available including cover for Buildings, Subsidence, Computer Breakdown, “All Risks” on Business Equipment, Employee Theft and Liability Treatment Risk cover for Hairdressers.

Office Insurance - A business insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

The policy automatically provides “All Risks” cover for Business Contents, Business Liability, Business Interruption and Legal Expenses. Many optional extra covers are available including cover for Buildings, Subsidence, Computer Breakdown, “All Risks” on Business Equipment and Employee Theft cover.

Surgeries Insurance - A business insurance package suitable for doctors, dentists and vets.

The policy automatically provides “All Risks” cover for Business Contents, Business Liability, Business Interruption and Legal Expenses.

Many optional extra covers are available including cover for Buildings, Subsidence, Computer Breakdown, “All Risks” on Business Equipment and Employee Theft cover.

Restaurants, Wine Bars and Public Houses Insurance - A business insurance package for restaurants, wine bars and public houses.

The policy automatically provides “All Risks” cover for Contents, Business Liability, Business Interruption and Legal Expenses cover. Many optional extra covers are available including cover for Buildings, Subsidence, Computer Breakdown, “All Risks” on Business Equipment and Employee Theft.

Contractors Choice - An insurance package suitable for small to medium sized businesses in the construction industry with a turnover of up to £1m and £1m maximum value any one contract.

Public Liability cover is provided automatically and the policy can be extended to provide Employers Liability, Contractors All Risks, Personal Accident, Goods In Transit and Design and Build Professional Indemnity Insurance

Hauliers Choice - An insurance package for haulage contractors and couriers operating with a maximum of 5 vehicles.

The standard cover is Goods In Transit and Public Liability with the option to insure Employers Liability as required.

Goods In Transit cover can be arranged on the basis of All Risks cover or in accordance with RHA conditions of carriage. CMR cover is automatically provided and this can be extended for businesses that operate in Western Europe.

This policy is not suitable for tanker operators, livestock carriers, furniture removers or freight forwarding agents

Motor Trade Combined - an insurance package specifically designed for motor traders providing the flexibility to build whatever level of protection is required by selecting the cover sections from a range of Property and Casualty insurances (see Commercial Combined for covers available) as well as providing the essential Road Risk cover. The minimum number of cover sections expected to be selected are Material Damage, Public Liability and Road Risks which have been specifically worded to meet the needs of motor traders' activities.

General Insurance Packages

Working From Home - An insurance package for your business available for many occupations where the business is home based.

The policy automatically provides “All Risks” cover for Business Contents, Business Liability, Business Interruption and Legal Expenses cover. Many optional extra covers are available including cover for Buildings, Home Contents and Personal Possessions, “All Risks” cover for Business Equipment, Computer Breakdown cover and Liability Treatment Risk cover for Hairdressers and Beauticians.

Business Plan Plus - An insurance package for small to medium sized businesses in the manufacturing and wholesale industries.

Cover is available for businesses with a turnover of up to £5m, who require a buildings sum insured of not more than £3m, and a sum insured on contents and stock of not more than £2m.

Cover is automatically provided in respect “All Risks” cover on Contents and Stock, Money insurance, Business Interruption, Employers and Public Liability, Personal Accident and Commercial Legal Expenses with the option to insure Buildings, Subsidence, Theft By Employees, “All Risks” on Business Equipment and Goods In Transit

Commercial Combined - This policy enables you to select the classes of insurance to meet your own requirements. The following individual sections of cover can be requested. Please note in certain circumstances there may be restrictions on the combination of sections that can be requested.

Material Damage Section - An insurance cover to protect your Buildings, Contents and Stock against damage caused by a insured peril.

Business Interruption Section - An insurance to protect business income following a material damage loss.

Theft Section - An insurance cover to protect your business Contents, Stock and Buildings against loss or damage resulting from theft. Only available where a Material Damage Section is in place.

Money Section - An “All Risks” cover to protect your business Money including whilst in transit.

Employers Liability Section - Insurance protection in respect of your legal liability for injury to your employees

Public and Product Liability Section - Insurance against your legal liability for injury to third parties or damage to their property. This can arise from the work that you undertake or the services or products that you supply

Selected All Risks Section - An “All Risks” insurance cover to protect specified items in Great Britain and optionally elsewhere.

Goods In Transit – Sendings Section - Cover for loss of or damage to your property or goods when in transit whether they are carried in your own vehicles and/or by third party carriers

Goods In Transit – Own Goods Section - Cover for loss of or damage to your property or goods whilst in transit in your own vehicles

Public Liability Building and Allied Trades Section - Insurance against your legal liability for injury to third parties or damage to their property. This section is designed for those in the building and allied trades industry

Contractors All Risks Section - An annual “All Risks” cover for a number of construction contracts protecting Contract Works, Plant and Equipment

Theft By Employees Section - Insurance protection against loss of money or property due to employee dishonesty or their acts of fraud

Commercial Legal Expenses Section - Insurance against your exposure to professional legal expenses in connection with a variety of events alongside the provision of legal advice

Computer Insurance Section - An “All Risks” cover for loss or damage to Computer equipment but excluding cover provided under a material damage cover, including optionally cover for Reinstatement of Data and Increase in Cost of Working following interruption of your business.

Sudden and Unforeseen Damage Section - A cover to protect specified machinery against sudden and unforeseen damage which is not covered by a standard material damage policy.

Contractors Plant and Equipment Section - An “All Risks” cover to protect Contractors Own and Hired In Plant.

Deterioration of Stock Section - An insurance covering deterioration of stock resulting from certain accidental temperature changes in cold chambers.

Engineering Business Interruption Section - An insurance cover to protect business income following sudden damage to or breakdown of plant/machinery or failure of public utilities affecting plant or machinery at the premises.

Machinery Movement Section - An “All Risks” cover to protect your Machinery whilst in transit.

Personal Accident and Sickness Section - Cover for you and your employees for bodily injury or an inability to carry out normal working activities due to accident or sickness

Livestock Section - Cover for death of livestock due to accident or disease.

 

Single Insurance Class Policies

Goods In Transit for Haulage Contractors - An insurance package for haulage contractors, couriers and furniture removers carrying property for hire and reward. This product is available from one man bands through to large fleet based risks with international involvement.

Cover can be arranged on a variety of different bases of cover as required and can also be extended for loads passed to sub-contractors

Goods In Transit for Domestic and Worldwide Sendings - An insurance policy suitable for all businesses who send or receive property within the British Isles and Eire by third party carriers such as hauliers, couriers, rail companies and post and for those who additionally import goods from and send goods to locations elsewhere in the world

Own Goods In Transit - Cover for loss of or damage to your property or goods whilst in transit in your own vehicles

Excess Public Liability Insurance - An insurance package suitable for businesses that wish to insure for a limit of indemnity in excess of and in addition to that provided by their current Public Liability Policy with another insurer

Property Development Contingency Insurance - Cover for contractors in the construction industry where the contract conditions being worked under specifically require the contractor to arrange cover in the joint names of the contractor and the employer for loss or damage in circumstances where there has been no negligence on the part of the contractor.

Cover is only available where you have your annual Public Liability Insurance with AXA