As Independent Insurance Intermediaries, EFM are able to advise on a wide range of Commercial (and Personal) Insurance covers. We would be pleased to provide information and premium indications if required in respect of the following classes of insurance:

Group Personal Accident and / or Group Business Travel [download info]

cover for claims made personally against your company’s Directors and Officers in their individual Management Capacities

(Directors and Officers and Employment Practice Liability Appliaction download here )

Goods in Transit cover for Stock conveyed by own vehicles / Courier Sendings / postal sendings or Marine Insurance cover for international movements / Storage

Excess Employers/Public Liability (to increase the limits of the Commercial cover)

Contingent Business Interruption (Loss of Profits where there is no physical loss or damage to Insured Premises arising from a range of events including : Fear of Terrorism, Epidemics, Strikes, Riots, Natural Catastrophe, Road Blockade, Transport Disaster.

Fidelity Insurance - financial consequences of staff dishonesty i.e. stock or records misappropriation

Legal Expenses (Insurance against the legal costs of pursuing or defending your rights for various situations (Commercial and Personal) i.e. Employment Disputes (and Tribunal Awards), Contracts etc.

Contract Guarantee Bonds / Duty Deferment Bond / Performance Bonds

Computer - specialist insurance covering (in addition to Loss / damage), Increased Costs of Working and Reinstatement of Data

Professional Indemnity claims made against the company for breach of professional duty i.e. negligent design, advice resulting in third party financial loss

Specialist Contingency - Insurance against specific events i.e. “hole in one”, over redemption, prize indemnity and cover for Employees leaving following a lottery win!

Personal Accident (Group or Individual) pre selected level of Benefit for Accidents resulting in Death or major injury, or Weekly Benefits payable whist temporarily unable to work usually limited to a maximum of 104 weeks. Cover for a group or for selected individuals. (with varying Benefit levels)

Sickness (Group/ Individual) as per Personal Accident above but including Sickness cover (Weekly Benefits usually limited to 52 weeks)

Permanent Health Insurance long term accident / sickness cover providing benefits to normal retirement age

Terrorism “All Risks” Insurance – Property, Business Interruption and Third Party Liabilities

Product Guarantee and recall Cover for guarantee of manufactured products and / or cost of Product recall

Environmental Impairment liability gradual pollution - own site cover and third party clean up costs

Internet trading exposures package cover providing cover against many of the exposures arising from Web Trading

Engineering Insurance - Engineering services for plant items requiring specialist insurance cover and inspection on a Health & Safety or Statutory basis i.e. Lifting / Handling / Pressure / Electrical plant. Also provision of Assessment / Audit Services through Specialist Engineering Insurers i.e. Health & Safety Audits / Electricity at Work Act / etc.

Motor Insurance (Motor insurance, Commercial Vehicle, Classic Cars)

Travel Insurance annual or single trip, individual or group arrangements

We would emphasise that this list should not be considered as exhaustive

EFM are Authorised by and Regulated by the Financial Services Authority