Commercial Insurance
Providing the right protection for your business
We take the time to understand your business so that we can give you the right advice about the policies you need.
With access to the UK’s leading insurers, including Lloyds markets for higher risk business’ you can be confident that Hoskin Commercial Solutions will find you the right cover designed specifically for your business.
- We provide hands on friendly advice throughout your policy
- We will be there to help when you need to make a claim
- Instant electronic documentation
- Monthly payment options available
Hoskin Commercial Solutions are an independent broker and at renewal we will always check alternatives to ensure your premiums remain the most competitive available.
Motor Trade Insurance
As well as providing cover for traditional building and allied trades we also have access to insurers that provide cover for higher risk contractors with covers not available with standard online providers.
- Cover for your employees, your clients and members of the public
- Extend your policy to include contract works
- Include cover for your own equipment and hired in plant
- Tools insurance to include overnight cover
- Personal accident cover for you and your employees
- Cover for inefficacy/failure to perform
- Professional Indemnity for building trades
Contractors and Tradesmen
As well as providing cover for traditional building and allied trades we also have access to insurers that provide cover for higher risk contractors with covers not available with standard online providers.
- Cover for your employees, your clients and members of the public
- Extend your policy to include contract works
- Include cover for your own equipment and hired in plant
- Tools insurance to include overnight cover
- Personal accident cover for you and your employees
- Cover for inefficacy/failure to perform
- Professional Indemnity for building trades
Professional Indemnity
As a company director you have unlimited personal liability. Directors’ and Officers’ liability insurance covers the legal and compensation costs of claims made against the director, partner or officer of your business.
The policy covers your personal wealth, or that of any director or officers for defence costs incurred during a claim and awards made against you.
- Claims by investors or other shareholders
- Defence costs and awards of claims arising from your personal involvement with the administration of company pensions
- Defence costs, compensation and fines payable as a result of health and safety claims from an injured employee
Management Liability – Directors’ and Officers
As a company director you have unlimited personal liability. Directors’ and Officers’ liability insurance covers the legal and compensation costs of claims made against the director, partner or officer of your business.
The policy covers your personal wealth, or that of any director or officers for defence costs incurred during a claim and awards made against you.
- Claims by investors or other shareholders
- Defence costs and awards of claims arising from your personal involvement with the administration of company pensions
- Defence costs, compensation and fines payable as a result of health and safety claims from an injured employee
High Value Homes
Exceptional cover for your home and possessions backed up by an outstanding claims service.
Ideal for those who live in high value property and own expensive items like jewellery and antiques.
- No need to list jewellery or watches under £5000 or fine art, antiques under £15,000
- 24 hour home emergency cover up to £500
Cyber Liability
Cyber and data insurance is designed to support and protect your business if it experiences a data breach or is the subject of an attack by a malicious hacker that affects your computer systems.
- Ransomware – Cyber extortion
- Breach costs
- Cyber business interruption
- Hacker damage
- Crisis containment
- Privacy protection
- Multimedia Liability
Business Health Cover
Private Medical Insurance pays for you and your employees to get medical treatment and other health services privately.
The policies are bespoke and you decide the level of cover you want to provide. These can include more generous packages for management and directors. You can even add member of your family.
Business Travel Insurance
Whether you need a one off trip, annual cover or bespoke policies for multiple employees, we have the policies for you.
We can also insure your contractor and employees for Kidnap and Ransom
Let Property
- Insurance for your buildings to include property owners liability
- Cover for Loss of rent and alternative accommodation for tenants
- Merge all of your properties into one policy
- Cover available for unoccupied property
Fleet Insurance
• You can cover a wide range of vehicles under one policy from light goods vehicles to HGV’s
• Any Driver policies
Whatever size your fleet Hoskin Commercial will approach the main insurers to make sure you get the most competitive terms each year. We take a hands-on approach to claims so that you can keep your business moving
Business Insurance
This type of policy is ideal for manufacturing and engineering companies as well as those within the leisure and food industries.
- Employers’, public and products liability
- Cover for buildings, stock, machinery and contents
- Business interruption to protect your profits after a claim
- Product recall
- Machinery breakdown and inspection
