Commercial

Brough Construction

Construction, company & plant insurance are amongst the services provided to Brough Construction.

The Dutch Bakery - Birkdale

Derek Klaasen of The Dutch Bakery in Birkdale uses Millins for their commercial insurance requirements

Holyhead Boatyard

Millins Chartered Insurance Brokers are proud to assist Holyhead Boatyard group with their insurance cover.

We insure commercial & professional businesses of all shapes and sizes whilst never forgetting that each business is unique. That’s why we listen, design and deliver an insurance programme to suit your needs. This will be responsive when called upon, competitively priced and easy to manage. If you need to make a claim, we’ll help with that too – from initial advice through to final settlement. Whether you are starting a new business, or are well established in your field, you will receive the same quality of service and professional care to suit the demands of your business.

We can arrange cover for your business premises, stock, vehicles, Employers Liability, Directors’ Liability, Public Liability, Professional Indemnity, trade credit insurance, product cover, goods-in-transit & business interruption are just a few of the many areas that Millins Chartered Insurance Brokers can assist your business with.

We will be pleased to discuss your needs in more detail so for more information contact:- Andy Smith ACII, Chartered Insurance Broker Commercial Broking Director.

These are some examples of likely cover but remember, at Millins, we pride ourselves on making sure that your policy is tailored to your own business requirements and we’d be delighted to discuss your needs in detail. No Call Centres. No Hard Sell. Just good service, putting your interests first. Just look at what our other clients have to say about Millins Chartered Insurance Brokers.

MarineCover for loss of or damage to your imports and exports by sea, air or land
Contract WorksProtection of the works against events such as fire, storm or flood up to practical completion including a maintenance period
Hired in PlantAny item of plant hire in on a temporary basis will probably be done so under Contractors Plant Association terms and conditions. These are onerous because you are responsible for any damage to the plant and for loss of hire charges.
Plant InspectionYou have a statutory obligation under various legislation to have plant periodically inspected and certified as being safe for use.
Plant BreakdownWhilst your material damage policy may be arranged on an “All Risks” basis it does not provide cover for mechanical or electrical breakdown, derangement or overloading of machinery.
Employee DishonestyTheft by employee including fraud continues to increase especially with our ever increasing reliance on technology. The risk is a cumulative one as the theft may continue over a period of years prior to discovery. The risk can be minimised by effective internal controls but human ingenuity means this can continue to be a threat
Legal ExpensesThis provides for legal expenses to defend an employment related issue and covers awards made if the defence is unsuccessful. Standard covers also generally include Tax Protection cover, Legal Defence, Property Disputes and Property Protection cover.
Personal AccidentDeath or injury to directors and employees as a result of an accident whether at work or not with the policy benefits initially payable to the company
Business TravelCover medical expenses, repatriation costs, delay, cancellation, personal and business property and money
Trade CreditProvides protection against a debtor going into liquidation and for debtors who overly delay payment to you. Both UK and export sales can be covered.
BondsThere are many different types of bond such as Contract Bonds and Customs and Related Bonds. Arranging an insurance policy may be a better option than talking to your bank.
Product Guarantee/RecallProvides cover for the cost of replacing or repairing products that fail to perform their intended function after a customer has accepted them. Cover includes consequential losses suffered by the customer after the original failure of the product and the cost of recalling the product from other customers.
Product Extortion/TamperProvides cover for the cost of recalling products following a threat of or actual tampering with a product including the cost of crisis consultancy specialists to co-ordinate communications and minimise adverse publicity.
Internet & Cyber LiabilityThe policy provides cover for third party liability costs and expenses and for material damage and business interruption losses arising out of use of e-mail and the Internet.
Intellectual Property RightsCover is for professional fees and expenses incurred in defending your infringement of a third party’s intellectual property rights and licence type agreements including damages awarded.