Does your company operate with a fleet of three or more vehicles? If so you should speak to us about your fleet insurance arrangements as we are fleet insurance specialists. We have access to a wide panel of specialist fleet insurers who offer great policies at unbeatable prices. It doesn’t matter if you are a small or large company as we can obtain quotes for fleet insurance policies that cover from 3 – 100 vehicles and these can be a mixture of vans, trucks, cars and motorcycles. Our insurers are flexible with their cover options and can offer policies that cover any driver over the age of 21 if necessary (many insurers will only quote for any driver over 25 years of age), this allows you greater freedom when it comes to choosing the employees for your company as there are less restrictions in place. Read More
Your home and the contents in it are more than likely the most valuable things that you own therefore you want to make sure they are properly insured should you ever need to make a claim, but house insurance can be more complex than you think therefore it pays to speak to an expert before you buy a policy.
For example the contents of your home are usually broken down into two different sections: general contents (the total value of all the contents in your home) and valuables (such as jewellery, artwork, antiques, items of gold, silver and other precious metals etc) but it doesn’t end there. Most insurers will also want to know the total value of all the jewellery in your home listed separately to the valuables Read More
Tree surgery is a skilled profession requiring specialist training and knowledge. It’s a physical job for the seasoned professional, and certainly not for the faint hearted, as the thought for many individuals working at height, off ropes, using machinery is quite daunting let alone the insurer’s views to risk.
Health and safety has become an important factor of any business and is often mocked for its extremism. However for high risk professions such as tree surgery there have been many improvements in recent times not only to protect the public and their property but also the worker themselves. Read More
Does your company have a fleet of three or vehicles? Or do you have three or more vehicles in your household? At Herald we can cater for both of these types of fleet insurances with specially designed policies to suit your needs.
For company fleet risks our policies start from 3 vehicles and upwards and can include commercial vehicles (including vans, trucks and lorries) and private cars. Our policies are very flexible and can offer cover for any driver of 21 years of age upwards if required. Our policies are underwritten by insurers who specialise in these types of risks and each policy is rated individually to suit each client’s needs to ensure the correct cover is provided while at the same time keeping the cost down by not adding unnecessary extras. We can also obtain fleet policies for businesses that have not had a previous fleet rated policy and Read More
If you are the landlord of an HMO (House of Multiple Occupancy) then you will know how hard it is to find a policy that fits your requirements at a reasonable cost. A lot of insurers are put off by this type of insurance as they feel the risk is too high but at Herald we deal with some of the leading insurers on the market for this type of policy. We are able to negotiate great rates for your HMO due to the strong relationships we have with the insurers we use for these types of risks. We are able to drive down the cost of your policy by presenting your property as an attractive risk to our insurers who will then be keen to write the business, and as we deal with several insurers for this type of policy this adds extra competition for insurers to obtain the Read More
Professional indemnity insurance policies differ from personal home and motor insurance policies in that they are written on a ‘claims made’ basis. This means that it is the insurer currently holding the policy that must settle any claims even if it is following negligence which occurred before the policy was placed with them. For example if a client insures with one insurer one year and then moves to another insurer the following year, the new insurer must deal with any claims which arise even if the negligent act took place while the client was insured with the previous insurers.
Commercial property insurance covers a wide range of premises such as shops, restaurants, bars, coffee shops, cafes, office blocks, industrial units, warehouses, surgeries, hotels, B&B’s and more.
Whether you occupy or let the property we are able to find comprehensive policies that provide full cover for buildings, loss of income, business interruption, property owners’ liability and employers’ liability for commercial use, mixed use or unoccupied premises.
Our policy cover can include:
- Specialist A rated insurer including Lloyds of London
- Immediate cover
- No claim discount given
- Direct access to dedicated account handler
At Herald Insurance we are able to provide insurance for HMOs (houses in multiple occupations) as we have special schemes through “A” rated insurers and Lloyds of London. We have direct access to underwriters and can offer immediate cover. We don’t believe in automated call systems so every phone call into the office is answered directly. This gives you piece of mind knowing that you have a real person at the end of the phone every time you call.
When looking for fleet insurance you should look beyond the price. Yes price is important but it should not be the driver in making your decision. The far most important factor is the coverage the policy offers. Unfortunately with the ultra-competitiveness of motor insurer over the past decade or so we have seen insurers withdrawing from the market, we have seen policy benefits and coverage being stripped back, and we have seen the introduction of skeleton policies offering not much more than complying with the RTA (road traffic act).
Each year a large number of fires occur in commercial kitchens, many of which result in extensive damage to property and crippling business interruption. Following the guidance below can significantly reduce the risk of a kitchen fire:
- Ensure a fire risk assessment is carried out and regularly reviewed per the Regulatory Reform (Fire Safety) Order 2005. Guidance can be found at www.firesafetyguides.communities.gov.uk. If five or more persons are employed, or the premises are licensed or subject to an alterations notice, then the assessment must be recorded.