Ensuring your business is protected

Commercial Insurance

Our commercial team provide insurance advice to commercial and professional businesses of all sizes from shops, to large manufacturing risks, and from web site design to property owners.

We recognise that every business, large or small has unique insurance requirements. This is why we tailor our insurance products to suit your business, whilst ensuring we provide you with a first class service.

We understand the risk involved within all aspects of commercial business and can provide you with the personalised risk assessment and professional advice to help you understand the risk considerations within your organisation, as well as ensuring you have the right cover in place for the needs of your business.

Some of the things we cover are:

  • Buildings Insurance

  • Business Interruption

  • Employers Liability
  • Professional Indemnity
  • Products Liability

  • Management Liability

  • Legal Expenses

  • Marine Cargo
  • Contents and Stock
  • Machinery and Plant.

Always stay ahead of market & industry trends

Crime Insurance

With an ever-increasing myriad of differing manners and mediums for the theft of commercial assets or identity, the importance of planning and preparation for such scenarios is not to be underestimated. Whilst it is near impossible to utterly block such criminal attacks, it is however possible to mitigate the ramifications of attacks through additional insurance built specifically to protect you and your business from risks including:

All risks cover for the commercial organisations against:

  • Theft of the Insured Company’s Money, Securities or Property

  • Theft of Client’s Money, Securities and Property

  • Forgery
  • Fraud
  • Physical Destruction of Disappearance of Money or Securities by Criminal Act

  • Extortion by Threat of Cyber

  • Attack

  • Extortion by Detention

  • Expenses Arising From Crime

Giving you protection in an ever changing landscape

Cyber & Data Risks Insurance

The ever-increasing amount of transactions that are now done over the internet has resulted in an increased risk to your business that is held on your computers. This has led to the development of additional insurance contracts to protect business from such attacks and are as follows:

All risks cover for cyber and data risks including:

  • Breach Costs

  • Cyber Business Interruption

  • Privacy Protection

  • Hacker Damage

  • Media Liability

  • Cyber Extortion

Giving you and your family peace of mind

Private Clients

Our Private Clients Team are highly skilled and provide a dedicated service to individuals and families who require diverse and individual insurance requirements.

No two customers are the same and our approach to protecting your home, car and possessions recognises your individuality. Our team work with established insurers to provide flexible solutions. Our strong relationships enable us to deliver cover with the versatility to adapt with your lifestyle.

Cover Features Include:

  • All Risks Buildings and Contents
  • Jewellery and Watches
  • Fine Art and/or Antique
  • Agreed Values
  • Family Protection Cover (legal expenses, kidnap and ransom, keycare)
  • Identity Fraud
  • Overseas Homes/Let Properties
  • Family Annual Travel
  • Private Motor (from classic vehicles to luxury cars)
  • Family Fleets (from 2 vehicles upwards)
  • Boats and Yachts
  • Horses and Livestock
  • Home Appraisal Visits
  • Superior Claims Service

Giving you protection in an ever changing landscape

Fleet Insurance

Our team strives to ensure we produce an efficient way to manage your businesses or family’s vehicle insurance. Our team will also provide advice for your business or family fleet and will strive to produce your family or business with the utmost of protection and support that will suit your demands and needs. From 2 or more vehicles we can cover a wide range of fleets such as:

  • HGV Fleets
  • Van Fleets
  • Car Fleets
  • Mixed Vehicle Fleets
  • Special Types and Plant Fleets

What’s included:

  • New vehicle replacement – if you purchase a UK model from new and it’s stolen or written off. Cars less than two years old. Light Goods Vehicles less than 12 months old.
  • Cover for fitted audio communication, driving assistance and navigation equipment fitted as standard.
  • Replacement locks or ignition if your keys are stolen.
  • Legal liability for personal injury to other people caused by an accident involving a vehicle up to any amount.
  • EU compulsory cover – the minimum insurance required by countries in the European Union.
  • Motor Legal Protection – giving you access to legal advice and covering legal costs, up to £100,000.

What’s not included:

  • Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
  • Loss of value over time, damage to tyres and wear and tear.
  • Mechanical, electrical, electronic or computer failures, or breakdowns or breakages.
  • Costs incurred before a claim has been accepted.

Ensuring your claim is a smooth process

Specialist Claims Service

Waterfront Insurance Brokers understand that having
confidence in the claims procedure outcome is one of the most important aspects to success.

Our claims management team is backed by committed, experienced and qualified specialist staff. We will deal with your claim with empathy and understanding and in a prompt and courteous manner. We will provide a high qualify service to reduce the impact a loss may have on your business.

Our strategies and systems are in place to drive the claim to a quick and efficient settlement. We will provide you with help and guidance with your claim:

We will provide you with help and guidance with your claim:

Pre-Loss

  • Support in setting up a clear claims procedure and contact
  • Guidance regarding claims reporting triggers and thresholds

Post-Loss

  • Review claims intimation and visit site where necessary
  • Notification of the claim to Insurers on relevant policy and ensure the appropriate action is taken
  • Keep you updated regarding coverage of the claim and resolution of any issues Insurers raise
  • Liaise with Loss Adjusters and/or other claims service suppliers
  • Proactive Claims Management
  • Flexible bespoke services were a specific need arises
  • Review Post-Loss recovery
  • Ensure claim is settled fairly and promptly

We can agree a tailored bespoke service to suit your business. Additional services include:

Preferred Loss Adjusters appointment on policies

  • Pre-loss site visits so the Adjusters understand your business
  • Review business continuity plans
  • Out of hours emergency support – 24/7 contact details provided

Solicitors

  • Review claims intimation and visit site where necessary
  • Notification of the claim to Insurers on relevant policy and ensure the appropriate action is taken
  • Keep you updated regarding coverage of the claim and resolution of any issues Insurers raise
  • Liaise with Loss Adjusters and/or other claims service suppliers
  • Proactive Claims Management
  • Flexible bespoke services were a specific need arises
  • Review Post-Loss recovery
  • Ensure claim is settled fairly and promptly

what we offer

Empowering your Insurance

Overall, our clients benefit from our wealth of knowledge and expertise providing them with not only the very highest levels of personal service and tailored advice – but also discretion, trust and complete confidentiality at all times.

This is carried out by insurer relationships, providing an exceptional personal service, taking time to understand how your business operates and factors that affect the industry in which you compete. Reducing your risk exposures cost effectively.

Achieving competitive premiums in the market provider and better underwriting terms. Claims are dealt with efficiently and confidently by our expert claims manager.

Commercial Insurance

Specialist Claims Service

Private Clients

Waterfront Insurance Brokers.Waterfront Insurance Brokers.