The full plant insurance protection package for your plant hire business

Property, consequential loss and liability covers tailored to your requirements. Cover included in this policy is as follows:

• Material damage, including:
  • Accidental damage
  • Reinstatement cover for hire fleet located within premises
• Business interruption:
  • Gross profit, Increase Cost of Working or Full Gross Revenue cover available.
  • Indemnity periods up to 36 months
  • Additional Increased Cost of Working cover available.
• Money
• Personal Accident
• Goods In Transit
• Legal Expenses
• Terrorism

The Insurance4plant short term facility is exclusive to Hallsdale Commercial Insurance Brokers. The product has been designed to respond to the needs of our Hire Sector Clients who wish to provide the hirer with a one off short term insurance solution to meet the requirements of their hire conditions.

Quotations and cover can be purchased through the www.insurance4plant.co.uk website with cover and policy documentation issued immediately.

The main benefits to you and your customer are:

• Online quotes and instant cover
• Policy in joint names of hire company and hirer
• ‘All Risks’ cover anywhere in the UK
• Competitive pricing
• Sliding scale excesses
• Warranty Free basis of cover
• Easy to use Website Available to purchase cover

To find out more about our insurance cover for plant, tool, crane hire and traffic management companies visit www.insurance4plant.co.uk

Directors and Officers Liability Insurance cover protects Companies, Directors, Officers, and Senior Managers against claims arising from their decisions and actions taken whilst managing their business.

If a Director is perceived to have failed in any of his duties, then a claim could come from any one of a number of third parties including:

• Shareholders
• Creditors
• Government and Regulatory bodies
• Employees
• Auditors
• Liquidators
• Customers
• Suppliers

In a claim situation the Director’s personal asset are at risk. Directors cannot rely on the company indemnifying them as indemnity will be in contravention of the Companies Act. Regardless of the stipulations of the Companies Act in the event of insolvency there will be no prospect of the company indemnifying the Directors and Officers.

The Directors and Officers Liability Insurance Policy will pay on behalf of the Director their legal costs and expenses and any civil damages awarded against them.

The policy can also be extended to include Employment Practices Liability cover. Employment Practices Liability Covers your legal liability following an employment dispute. Cover includes:

• damages (including injury to feelings), judgments, settlements, defence costs and awards or claimant’s costs as well as pre- or post- judgment interest
• legal representation costs for employment investigations. This cover also adds an additional defined limit of liability dedicated to such costs.
• cost of paying wages from date of purported dismissal to date of judgment in the event that the company is ordered to re-instate or re-engage worker.
• punitive and exemplary damages where insurable by law.acts committed prior to inception of the policy.
• acts worldwide

Cybercrime now accounts for almost 50% of all crimes in the UK, with 32% of UK businesses identifying cyber security breaches or attacks in the last 12 months.

Cyber Insurance protects your business against the risks involved in using the internet and IT networks.

These cyber risks include:

• security breaches that result in unauthorised access to confidential or sensitive data
• system damage caused by viruses or malware
• financial losses caused by the failure of your company website, the collapse of your internet provider or the work of computer hackers
• system failure that prevents a third party accessing their own systems or data
• staff misuse of company email
• claims that content on your website or blog is defamatory

As part of your policy, Cyber Insurance can provide emergency support that includes IT forensics, credit monitoring and crisis communication.

Cyber Insurance covers the costs incurred as a result of a hacker attack, computer virus or data security breach.

Your Cyber Insurance policy can include cover for:

• Practical support in the event of a data breach including forensic investigations to find out what went wrong and confirm whose data has been put at risk, legal advice, notifying customers or regulators, and offering support such as credit monitoring to affected customers;
• Compensations for loss of income, including where caused by damage to your reputation, if a hacker targets your systems and prevents your business from earning revenue;
• Payment of the costs associated with regulatory investigations or claims for damages made against you to keep customers’ personal data secure. We will also pay civil penalties levied by regulators (where allowed);
• Reimbursement for the costs of repair, restoration or replacement if a hacker causes damage to your websites, programs or electronic data;
• Liability protection if you mistakenly infringe someone’s copyright by using a picture online for example, or inadvertently libel a third party in an email or other electronic communication

It is important to remember that everyone is at risk of becoming a victim of cybercrime and that if you are running a business and store personal information about your customers, you should ensure that you have the right protection and cyber risk management in place.

Comprehensive Insurance cover for Plant and Machinery whilst on your own premises, in transit and whilst out on hire. Covers your entire plant fleet on a blanket basis whilst anywhere in the UK. Cover includes:

• Comprehensive ‘All Risks’ cover
• Reinstatement of plant for equipment under 24 months old
• Demonstration equipment cover
• Subrogation waiver cover
• Third Party Machinery Movement Cover
• Lifting Risks – Crane Hire
• Continuing hire charges
• Profit Rebate Clause
• Low Excess Levels

Motor fleet and company car insurance is essential for any business that run at least two company vehicles.

Affordable cover can be tailored exactly to the size of fleet, and to any mix of vehicles or usage including:

• cars used in connection with a business
• goods-carrying vehicles
• vehicles of special construction (special types)

Fleet insurance provides a compliant and competitive insurance solution for company vehicles that are insured on a single policy with the same renewal date and one premium. They provide excellent flexibility, reduces administration and saves management time.

Fleet Insurance provides:

• comprehensive cover against damage, fire, theft and third party claims
• ‘any driver’ cover on most vehicles
• a 24-hour claim and accident helpline
• courtesy cars when yours are off the road due to accident (provided an approved repairer is used)

If you provide advice, design or a professional service to your customers, professional indemnity insurance is typically regarded as essential cover.

A professional indemnity policy is designed to offer protection to professional people against potential claims for injury or loss resulting from their actions, advice or failure to carry out their professional duties.

Everyone strives to provide their clients with the best service possible, but if things go wrong, it pays to be properly insured.

A standard policy covers liability for injury, damage or financial loss arising from a breach of professional duty carried out in good faith or negligent acts, errors or omissions in your professional capacity.