Business Insurance
Small and Medium Enterprises
Manufacturers Insurance
Contractors
Care Homes
Office Insurances
Shop Insurances
Hotels / Guest Houses
Nightclubs
Wholesalers
Liability Insurances
Catering Industry
Plymouth Insurance Brokers can provide you with a Comprehensive solution to all your business insurance requirements. We will provide you with a bespoke combination of covers, which are individually tailored to suit your organisation. Our specialist commercial staff will offer you technical advice in plain English to meet your needs. At the same time we will offer advice on risks that you may not have considered, and suggest practical and economical methods of dealing with those risks.
The professionals here at PIB have a vast breadth of experience in insuring all types of business and one of our staff will be available to assist you with your venture. For more information on your type of company, click on an appropriate link. We use a wide range of well known insurers, which allow us a flexible approach to both cover and cost.
We will endeavour to understand your business in detail, to be able to provide a long-term solution to your needs. Once you have set up your insurances with us, our flexible policies will enable us to react quickly to changes in your circumstances, whether it be an increase in your staff or turnover, or a change in direction of your company.
Small and Medium Enterprises
Plymouth Insurance Brokers recognises that every business is unique, and as such needs individual attention to detail when it comes to providing insurance protection. We provide tailored insurance products that meet your requirements so that you only pay for the insurance you need.
Your business will always be susceptible to risk. We aim to work with you on three levels:
- Determine the risks to which your company is exposed.
- Determine the best method of insuring against the risks involved, from the point of view of both breadth of cover and cost.
- Provide advice on how best to reduce the chances of your exposure to risk by actively improving your risk management and ultimately your insurance premiums.
Cover can include Property, Stock, Loss of Profits, Money, Public Liability, Employers Liability, Goods in Transit & Legal Expenses, amongst many others.
We have been successfully providing specialist advice to businesses since 1975 and have experience not only in the insuring of risks, but also in dealing with complex multi-million pound claims.
Click here for a FREE quick quotation
Manufacturers Insurance
Our manufacturers insurance policy provides a wide breadth of cover for all types of trade. We offer a selection of covers to suit your needs, usually chosen from the following list of insurances:
- Buildings
- General contents
- Computers and Data
- Stock
- Fixtures, fittings and tenants improvements
- Business Interruption / Loss of Profits
- Money
- Glass
- Engineering Inspection
- Engineering Business Interruption
- Goods in Transit
- Public Liability
- Products Liability
- Employers Liability
- Group Personal Accident
- All Risks
- Legal Expenses
- Business Travel
Our experienced commercial staff will provide advice on the best combination of cover and premium to suit your business and your finances
Click here for a FREE quick quotation
Contractors Insurance
We offer a selection of different Contractors policies for a variety of trades and sizes of company. Whether you are a main contractor or a sub-contractor we can accommodate your business at very competitive rates with a wide range of specialist insurers.
- Contractors All Risks / Contract Works
- Professional Indemnity
- Public Liability / Products Liability
- Employers Liability
- Contractors Plant
- Group Personal Accident
- Engineering Inspection
- Engineering Breakdown
- Office Insurance
- Legal Expenses
- Fleet Insurance
- Performance Bonds
- Directors and Officers Cover
Our premiums are extremely competitive and our scope of trades covered extends to include Scaffolders, Developers, Roofers, Demolition Contractors and many others. If you feel that you are paying too much for your present insurances or that your current broker or insurer really doesn’t understand your needs, then please get in contact with us
Click here for a FREE quick quotation
Care, Nursing and Residential Home Insurance
We offer a comprehensive package insurance designed specifically for this sector of the market. It includes cover for all the policy sections detailed below as well as including more specialist cover including liability insurance for treatment risks and legal costs in appealing against withdrawal of your registration certificate. We can also extend the policy to cover Domiciliary Care.
- Buildings
- General contents
- Stock
- Fixtures, fittings and tenants improvements
- Business Interruption / Loss of Profits
- Money
- Glass
- Public Liability and Products Liability
- Employers Liability
- Legal Expenses
- Malpractice
Our premiums are extremely competitive and our knowledge of this specialised sector is extensive. If you feel that you are paying too much for your present insurances or that your current broker or insurer really doesn’t understand your needs, then please get in contact with us.
Click here for a FREE quick quotation
Office Insurance
We have a broad range of office insurance policies to suit all types of risk from accountants and solicitors to less traditional occupations such as recruitment agents and computer consultants. In most instances we can provide ‘same day’ cover using our advanced on-line system. Personal, efficient service combined with cutting edge technology.
We can include the usual covers such as
- Buildings
- General contents
- Computers and Data
- Fixtures, fittings and tenants improvements
- Business Interruption / Loss of Profits
- Money
- Glass
- Public Liability
- Employers Liability
- Group Personal Accident
- All Risks
- Legal Expenses
- Business Travel
We can also include some more specialist requirements such as Directors and Officers cover and Professional Indemnity.Our experienced commercial staff will provide advice on the best combination of cover and premium to suit your business and your finances.
Click here for a FREE quick quotation
Shop Insurance
We can provide a comprehensive package of covers designed specifically for today’s retailer. Our extremely wide range of policies and insurers can provide cover for virtually any trade and for less complex risks involving less than ten stores we can provide ‘same day’ cover using our advanced on-line system. Personal, efficient service combined with cutting edge technology. If required we can supply documentation to you, the same day, given modern computerised delivery.
We can include the usual covers such as
- Buildings
- General contents and stock
- Computers, Point of Sale Tills and Data
- Fixtures, fittings and tenants improvements
- Business Interruption / Loss of Profits
- Money
- Glass
- Public, Products and Employers Liability
- Group Personal Accident
- All Risks
- Legal Expenses
- Business Travel
We can also include some more specialist requirements such as Directors and Officers cover and Loss of Liquor Licence. Our experienced commercial staff will provide advice on the best combination of cover and premium to suit your business and your finances.
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Hotel and Guest House Insurance
The Southwest boasts a wealth of high quality Hotels, Guest Houses and B&Bs. This quality is reflected in the booming tourist industry in this region. At Plymouth Insurance Brokers we understand the need for quality cover at a rock bottom price, and use a panel of leading insurers with exclusive Hotel and Guest House schemes. We typically save new clients between 35-65% on their premiums without compromising cover or security of insurer.
At PIB we pride ourselves on our market understanding, service, and the great premiums we are able to offer our client to ensure your stay with us is a welcome one.
In addition to the usual covers available, such as Buildings, Contents and Liabilities, we can also provide more specialist cover such as loss of profits resulting from suicide or contagious diseases, lift inspection, and engineering breakdown.
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Nightclub Insurance
For any one who has owned a Night-club over the last few years insurance will mean two things – expense and hassle. With this in mind PIB have arranged exclusive access to Night-club Schemes underwritten by Major Insurers. PIB are the onlySouthwest Broker who have direct access to these schemes and are please to offer a reliable and affordable alternative for Night-club owners. We offer a selection of covers to suit your needs, usually chosen from the following list of insurances:
- Buildings
- General contents
- Stock
- Fixtures, fittings and tenants improvements
- Business Interruption / Loss of Profits
- Money
- Glass
- Public Liability and Products Liability
- Employers Liability
- Legal Expenses
With the depth of our insurer contacts we can cater for any type of club, whether you may open one night a week or open from dust ‘til dawn we can find the insurance for you. We have already slashed costs for many Night-club owners, and with our reliable and imaginative service, we’ll take care of the hassle too.
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Wholesalers and Warehouse Insurance
Plymouth Insurance Brokers can offer either a package insurance for the smaller wholesaler or a tailor-made business combined policy designed specifically for your individual needs. We would look to combine a number of individual policy sections such as Buildings, Contents, Loss of Profits, Liability and Goods in Transit to name but a few.
We will be able to advise which sections you will need and provide competitive premiums to suit your financial constraints. Some aspects of your cover are required by law and we can advise how best to satisfy your legal requirements.
In addition we can provide advice on how to improve your Health and Safety and Risk Management, which will again help you to fulfil your Legal responsibilities whilst at the same time improve your safety record and ultimately your insurance premiums.
Why not think about asking us to look at your Cargo insurance. Many wholesalers import direct from various parts of the world and insure each load separately. We can provide blanket world-wide annual cover for all your transits, including your UK sendings to your customers if required. The savings in cost an administration can be quite dramatic.
If you feel that you are paying too much for your present insurances or that your current broker or insurer really doesn’t understand your needs, then please get in contact with us
Click here for a FREE quick quotation
Liability Insurance
Whilst many insurance brokers have difficulty placing liability risks we are able to provide cover for most occupations using a large variety of different insurers. We can easily accommodate all the following risks :
- Scaffolders
- Roofers
- Demolition Contractors
- Asbestos Specialists
- Building Contractors
- Tree Surgeons
- Groundworkers
- Shuttering Contractors
In addition we can also place liability insurance for more usual and unusual trades; everything from Actuaries to Zoologists, if you are in business we should be able to find suitable cover. Flower Arrangers, Fitness Instructors, Piano Tuners, Hairdressers, Grave Diggers, Locksmiths, Office Equipment repairers, and literally hundreds of other occupations, please give us a call and we will help.
..Excess Layer Liability Insurance
Do you feel that your present level of liability cover isn’t enough? We also place insurance for excess layer liability from £1 million to £50 million.
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Catering Industry
Plymouth Insurance Brokers provide cover for both large and small caterers; from the busy city restaurant to the thriving burger van. For the smaller enterprise we have various packages to suit the majority of requirements in an ‘all in one policy’. For the larger enterprise we can provide bespoke cover under a Business Combined insurance to suit your individual requirements, tailored to the last detail. All policies are designed to provide the maximum cover for the minimum expenditure.
Policies can include Public and Employers Liability, as well as Property, Loss of Profits, Money, Glass, Legal Expenses, Refrigerated Stock, Goods in Transit, and numerous other covers.
We understand your industry, so let us advise you on which covers you will need, which ones are compulsory, which are a necessity and which are just useful to have. Don’t feel that you need to be an expert, our staff are trained to provide expert and helpful advice, to leave you the time to run your business.
PIBIM Tip
If you have an insurance policy at the moment it may well include Business Interruption cover, but often companies forget to include Loss of Utilities. You may find it a little difficult to continue trading if there is accidental damage to your power supply, gas supply or even water. Cover for this is cheap, though claims can be quite extensive.