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Insurance Products Town & Country Provide

Contact Town & Country Insurance Services for all your insurance requirements. Our friendly, professional staff are waiting to take your call. Tel: 01769 572557

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Further Details about our Policies

The Buildings and Contents of the Premises

Your contents (and if selected buildings) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage. In addition cover is automatically extended to include:

Damage to Underground Services

Trace and Access costs

Removal of Debris costs

Architect and Surveyors Fees

Automatic Reinstatement of Sums Insured

Money and Personal Accident (Assault)

Covers your business money In transit, on premises during business hours, or in a bank night safe

In the business premises when closed for business or in the private dwelling

Personal Accident (Assault)

Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000

Total uninterrupted Disablement (up to 104 weeks) £100 per week

Glass Breakage

Damage to fixed glass and fixed items of sanitary ware

Goods In Transit (OPTIONAL)

If you have selected this option your needs are those of a business that delivers or collects goods and requires cover on those goods whilst in the course of transit

Damage to the trade contents whilst in transit by vehicles owned hired or leased by you

Business Liability

Employers Liability £10m

Public/Products Liability £2m

Legal costs and expenses

Business Interruption

Loss of Gross Profit following loss or damage by an insured peril

Cover is extended to provide cover in respect of:

Prevention of Access

Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests,

Defective Sanitation

Damage at Suppliers premises

Failure of Public Supply of Electricity Gas or Water

Failure of Telecommunications

Employers Liability

Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

HSE Employers Liability Guide

Equipment Breakdown

The policy covers damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy:

Includes damage to perishable goods caused by failure of the insured equipment

Commercial Legal Protection

Including:

Employment Disputes & Employment Compensation

Awards

Legal Defense

Contract Disputes

Property Protection

Bodily Injury

Debt Recovery

Tax Protection

Our policies are flexible and you can elect to amend your sums insured and covers as you work your way through the quote engine so you derive a tailored and suited quotation.

Normally, you will have to pay a contribution towards the cost of any claim (this is known as the excess). These excesses will vary according to the covers you have selected and/or our assessment of your risk. Your Policy Schedule will show the specific excesses applicable to your cover.

Amongst other Exclusions as standard your policy excludes most Terrorism cover. You are able to purchase additional cover from us to include some aspects of this risk if required.

Correct values at risk must be advised to us. If the sums insured you request are not adequate this may result in the amount that your insurers pay to you in the event of a claim being reduced.

Your policy will be issued on the basis that you confirm the minimum standards of security apply to your premises.

Cover will be granted on the understanding that you will cooperate with your insurers in any survey process and that you will comply with any requirement arising from any survey of your premises.

Public Liability

Similarly to employers liability this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility. Unlike Employers liability this is not required by law, although it is a very good idea for anyone in the leisure industry to have public liability. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well.