Professional Indemnity

Professional indemnity Insurance is designed to protect you against against financial loss caused by negligence, error or omission. Once considered important for the professions only, it is now increasingly evident that everyone can make a mistake - and then be made to pay for it!

Liability Insurance

As mankind has developed so has our ability to sue one another. Great! Liability insurance in its simplest or most complicated form is to protect against litigation. Here are some of the special risks we insure. Please contact us if you do not see what you are looking for.

Commercial

We offer a wide range of property, liability and other covers that can be tailored to meet the needs of your business. We have a high level of expertise in a number of key areas - and often find we can "simplify" some of the more unusual and complex risks.

Any number of locations can be covered under one policy

The key benefits are:

Material Damage

• Property ~ Buildings
• Property ~ Contents and Stock
• Property ~ Machinery and Plant
• Property ~ Deterioration of Frozen Food
• Property ~ Loss of Income & business interruption
• Terrorism Cover

Liability Cover

• Employers Liability
• Public and Products Liability
• Proffessional Indemnity
• Products recall
• Directors & Officers
• Fidelity Guarantee
• Pollution

Other Covers

• Bonds and Guarantees
• Export Guarantee
• Marine Import and Export Risks
• Political Risks
• Other Services
• Risk Management advice

To obtain a quotation, please call 08456 580510 quoting reference web180111b.ne :

Home Insurance

We place a substantial amount of home insurance. The properties insured range from a humble croft to something rather grander: occupied by someone you would recognise on television by An insurance policy that covers potential losses to your property and possessions.

Marine & Freight Insurance

We specialise in Cargo Insurance, which includes transits by any method including sea, air and road. All Risks cover can be arranged on all types of goods on a warehouse to warehouse basis. This can be extended to include storage (stock thru-put policies). We offer our own policy wordings with many extensions included as standard, underwritten by both Lloyd's and leading insurance companies.

We are market leaders with our own unique wording offering competitive Freight Services Liability insurance for Freight Forwarders, Road Hauliers, Warehouskeepers and all Logistics Operators involved in the movement and handling of third party goods. We also specialise in cover for Household and Commercial Removers.

We have over 30 years specialist experience in the marine insurance market and our professional market-leading position means we can negotiate the very best cover at the most competitive premium but we will never compromise on our high standards of customer service.

Package

Package Insurance is just that!

• Shops
• Offices
• Surgeries
• Internet & Virtual Shops
• IT Hardware, Firmware and Software providers
• Small Charities & Schools
• Restaurants, Hotels, Clubs,
• User Groups and other organisations

To obtain a quotation, please either complete the questionnaire or call us on 08456 580530 - quoting BGi(web180111ne)

Bonds/Guarantees

Bonds & Guarantees differ from "Insurance" in so far as the underwriter is merely guaranteeing your ability to "pay". In the event of a claim the underwriter will make good your "promise to pay" but they will then seek full reimbursement from you, the Bond or guarantee holder.

Here we show a selection of the bonds currently available. To obtain a quotation, please call 01367 246138 quoting reference web180111c.ne:

Event

Event Insurance can be for the local fete, a charity bash, or a major concert. The insurance can be extended to include risks such as non appearance, cancellation, pluvious, third party liability and consequential loss".

Material damage risks for property, stages, platforms, etc can usually be accommodated.

To obtain a quotation, please refer to the Contact Us page quoting reference web180111c.ne :

Property Owners

Property Owners Insurance falls into a number of categories. These can include a single second home, a small portfolio of domestic or commercial property or a substantial commercial investment portfolio.

In essence, the insurance required is the same and you will find someone at BGi who will be pleased to help you through the "Property Maze".

Remember, that owning property can leave you with onerous responsibilities and potential liabilities!

Travel and Holiday Insurance

Covers medical expenses and financial(such as money invested in nonrefundable pre-payments) and other losses that occur during travel, nationally and internationally.

Others

This is a challenging category.

We have been asked to insure

> various parts of people's anatomy for various reasons.

> nuclear waste components

> twins & triplets and more

> Key Men and Key Women

> lap dancing clubs and the like

> buildings made of mud over a thousand years ago

> bits of space rockets and things dragged along the sea bed

> appearance and non appearance

> the sun, the rain & the snow - all at different times of course > prosthetics, prophetics & Poets

If you need a little help, please call us. We'd love to hear from you!