The Hiscox Specialty Commercial package offers your clients the opportunity to select a number of different cover modules in order to tailor their insurance package to suit their business' individual needs. The different modules of cover can protect their business from losses resulting from a wide range of risks, including a fire at their premises through to a member of the public injuring themselves as a result of their business activities.
What it covers
Cover can be selected from the following modules:
Property – will protect your client’s property on an all risks basis, including equipment breakdown
Business Interruption – will protect a business’s loss in income resulting from a loss under the property section
Employers’ Liability – protects a business from employees who sustain injury whilst in their employment
General Liability (Public and Product Liability) – this module covers a business from claims resulting from third party injury or property damage as a result of their business activities
Property Terrorism – this module protects policyholders from property damage (including business interruption) as a result of terrorism
Travel – provides protection for the policyholder’s directors and employees whilst undertaking business travel
Personal Accident – provides cover for a policyholder’s directors and employees in the event that an insured individual suffers accidental bodily injury or contracts an illness
Legal Expenses – this module provides cover against the risk of making or defending legal action.