FMB Insurance can also provide a wide range of other insurance products. Our close relationship with our insurers means that our range of cover is non-exhaustive. If there’s something you’re looking for, we will try our very best to assist and find the right cover for you.
Here you can find a snapshot of the other insurance products we are able to offer.
Should your business have to temporarily close due to something out of your control, Business Interruption Insurance will cover the loss of income suffered as a result of the interruption, such as; material damage, covering loss of revenue, rental income and additional staff and running costs. The policy is designed to keep you in the same financial position that you would have been in prior to the event and ensures your business keeps running smoothly. For example, should you have to move to a temporary site whilst repair work is taking place to your existing property, your policy can extend to cover the expenses of moving to and working from a temporary location.
Breakdown Recovery Insurance
Breakdowns happen and when they do its vital for your business that you get back on the road as quickly as possible. With breakdown recovery insurance, you can arrange cover for roadside assistance, recovery, home start, passenger relay and even European assistance in the event of you breaking down on the continent. Individual breakdown insurance currently costs around £65 per vehicle, though this can be cheaper when purchased with single van and fleet insurance.
Commercial & Residential property
Commercial (SME) and Residential Property Insurance covers you for loss and damage to buildings and contents as well as damage to stock, shortfall in income, loss of rent and fixtures and fittings. Portfolios can include commercial, residential and unoccupied buildings, or a mix.
Professional Indemnity Insurance
In all walks of professional life, mistakes happen. No matter how careful you are, there’s always the possibility that an error, no matter how inadvertent, will occur and end up costing you. For instance, if you were to provide a client with inadequate advice, service or designs when building a house, they could take you to court over it. In such an eventuality, your professional indemnity insurance cover would be there to take care of your legal costs and expenses (subject to policy terms and conditions) in defending the claim and also cover any compensation required to rectify the mistake.
Directors’ and Officers’ Insurance
As a director of a limited company you will be making lots of important decisions. And although your company is limited, you will still have liability for your corporate actions and that’s where directors’ and officers’ insurance comes in. Directors’ and officers’ insurance (D&O insurance) helps protect you from claims against directors that arise from disgruntled customers, official investigations, investors or shareholders. Directors’ and officers’ insurance will pay your legal costs and damages (subject to policy terms and conditions) to give complete peace of mind.
Can't find what you're looking for?
We also now offer a selection of new but more niche products including: Commercial Legal Expenses (inc Contract Disputes), Personal Accident & Sickness, Office & Contents (inc Warehouse & Industrial Units), Directors & Officers, Land Liability, High Risk Liability Trades (such as roofing and scaffolding) and Road, Sewer & Performance Bonds.
If you're looking for an insurance policy that isn't featured here, please get in touch and a member of our team will be happy to assist you.