GRESHAM 2020 - Gresham Underwriting
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2020 240220GULSTIHV4 GRESHAM GUIDE
Contents
3. Office Contact Information
4. Our Business Development Managers
5. Introducing our 24/7 online portals
Products available online via our Online Portal:
6. Commercial Legal Expenses
7. Commercial Property Owners
8. Business Combined
9. Fast Food Outlets
10. Hair & Beauty
11. Guest House
12. Home Assure
13. Office Package
14. Residential Let: Property Owners
15. Restaurants
16. Shops & Retail
17. Surgery
18. Tattoo & Piercing
19. Touring Caravan
20. Professional Select
21. Tradesperson
22. Unoccupied Premises
Extra Documents for support
2. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Office Contacts
Management Team:
Chief Underwriting Officer:
Rob Munden r.munden@greshamonline.co.uk
Trading Manager:
Adam Bevis a.bevis@greshamonline.co.uk
Underwriters:
Amelia Carter: a.carter@greshamonline.co.uk
Leah Miller: l.miler@greshamonline.co.uk
Pete Goodhew: p.goodhew@greshamonline.co.uk
Sam Benham: s.benham@greshamonline.co.uk
Tom Baker: t.baker@greshamonline.co.uk
Amy Prentice a.prentice@greshamonline.co.uk
Emma Grant e.grant@greshamonline.co.uk
Administrative Support
Rebecca Badrick: r.badrick@greshamonline.co.uk
3. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Our Business Development Team
Andy joined Gresham Underwriting in September 2015 to run our
business development initiatives, working closely with regional
brokers to ensure we provide the best possible solutions.
Andy Waring
Business Development Manager
E: a.waring@greshamonline.co.uk
M: 07824 991 340
Alan has recently moved over to Gresham from our sister company
Tasker & Partners, he has worked as a BDM for a MGA for the last 7
years and has 25 years experience in the broker market across all
business lines.
Alan Savage
Business Development Manager
E: a.savage@greshamonline.co.uk
M: 07825 998 652
Tyler has previous experience dealing with both nationwide and
provincial brokers. Tyler is office based and provides a pivotal link
between the business development and underwriting teams offering
our broker panel a superior level of service.
Tyler Baker
Business Development Handler
E: tyler.baker@greshamonline.co.uk
M: 01322 424 618
4. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Online Portals
We understand the need for immediacy
without compromising on knowledge and
quality. With our 24/7 online quote system
you will have access to your quotes within
minutes, saving you time and making your
business more efficient.
To get your quote you must first register for
a TOBA via our website:
www.greshamonline.co.uk/quote
Once you have been accepted for a TOBA one of our two quote systems (depending on
your products) you will be able to access our online quotes system and enter your proposal.
Because it is a digital online system you are able to access your quotes any time of day,
including holidays and weekends.
If your quote needs to be referred to an Underwriter then we ask that it is submitted during business
hours. This is only for those proposals that require more in-depth information regarding the risks.
5. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Commercial Legal Expenses
Legal Expense Insurance provides peace of mind for any individual who comes into contact with the
public – and that means all of us. No matter how careful any individual or business may be there is
always the risk of exposure to a legal case. Mounting a legal defence is an expensive business and
sadly one that’s becoming increasingly commonplace. In today’s increasingly complicated business
environment it pays to make sure policyholders are fully covered.
Legal expenses insurance cover is designed to cover the cost of defending an individual or their
business against legal claims made against them including:
• The appointment of legal counsel
• The appointment of expert witnesses
Policy Limits
We provide as standard a limit of £100,000 for a very competitive flat premium. This can be purchased
in isolation or as an add on to one of our many other Products, providing peace of mind for every type
of SME business.
Tailored Features and Extensions
The policy provides impartial, confidential advice from qualified consultants in many areas of law
including:
• Contract Law • Employment Disputes • Motor Disputes
• Criminal Prosecution Defence • Health & Safety • Property Disputes
• Data Protection Prosecutions • Restrictive Covenants
• Debt Recovery • Insolvency Fee’s • Tax Protection
• Jury Service Allowance
A-rated Capacity
Gresham Underwriting is a Lloyd’s Coverholder and is able to utilise both Lloyd’s and Company market
capacity. We only ever use A-rated carriers. Our Legal Expenses policy is placed under binding
authority with capacity provided by Great Lakes Insurance Company.
6. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Commercial Property Owners
This product is designed to offer specialist protection for landlords letting out buildings to third parties
for commercial use.
Our wide-ranging policy covers many types of tenants including:
• Retail shops • Salons • Leisure
• Office properties • Industrial • Cooking/Food
• Surgeries • Manufacturing • Commercial properties with accommodation above
Cover Available
Our wide breadth of cover provides everything you would expect from a comprehensive insurance
product and includes as standard:
• Property
• Loss of Rent
• Property Owners Liability £5m limit standard
• Employers Liability cover available
Tailored Features and Extensions
Our policy is designed specifically for the Commercial landlord and cover is tailored so that your client
has full peace of mind that all their insurance requirements are covered. Our specialised features and
extensions are wide ranging and include:
• Full perils including Subsidence and A.D • Additional metered water charges cover
• Property Owners Liability £5m standard £25,000 limit
• Rent upto 20% automatic (increase limits • Auto cover newly acquired properties £2m limit
available) • Inflation protection index linking
See page 6 for our Legal Expenses cover which can be added to this policy as an extension.
7. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Business Combined We know your clients face many diverse risks to their businesses. Our Business Combined policy enables us to tailor insurance coverages to cater for those risks. Introducing our policies covering: • Material Damage • Loss of license • Business Interruption • Public and products liability • Money • Goods in transit • Book Debts • Employers Liability • Deterioration of stock Types of risks covered: We offer cover for many different types of trade including: • Cinemas • Engineering • Bowling alleys • Printers • Breweries • Plastics • Wholesalers Cover Available: Our cover is broad and can be tailored for your clients’ needs. We provide the following limits: • Material Damage / Business Interruption up to £5 million in any one location • Employers’ Liability £10 million limit • Public/Products Liability £5 million limit (subject to underwriting criteria) See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 8. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Takeaway/Fast Food Outlets
Our package product is designed to be flexible in order to accommodate the multiple types of cuisines
and how they are prepared.
Cover Available
As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s
business including as standard covers such as:
• Property • Employers Liability
• Business Interruption
• Public & Products Liability
Tailored Features and Extensions
Our Takeaway and Fast Food product is specially designed for the Retail sector and therefore has
various features available to ensure total peace of mind for your client and includes:
• Inflation protection / index linking
• Availability for cover in relation to outside catering
• Breakage of glass £10,000 standard*
• Goods in transit standard limit £2,500*
• Loss of money - premises, in transit & in safe standard limit £5,000*
• Deterioration of Stock standard limit £5,000*
• Business Interruption standard Sum Insured £500,000*
* these limits can be increased upon request.
See page 6 for our Legal Expenses cover which can be added to this policy as an extension.
9. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Hair & Beauty
Our ever popular Hair and Beauty policy is designed for all aspects of the Hair and Beauty Profession
– from hairdressers and barbers to beauty salons and make-up artists. Our list of trades catered for is
wide and varied and provides cover tailored to their needs.
Cover Available
Our wide breadth of cover provides everything you would expect from a comprehensive
insurance product including:
• Property • Employers Liability
• Business Interruption • Treatment Liability
• Public & Products Liability
Tailored Features and Extensions
• Inflation protection / index linking
• Breakage of glass £5,000 standard*
• Goods in transit standard limit £2,000 *
• Loss of money – premises, & in transit standard limit £5,000* in safe £1,000*
• Business Interruption standard Sum Insured £250,000*
* These limits can be increased upon request.
We also provide a wide range of treatments including:
• Paraffin wax treatments • Body piercing and hair removal
• Intimate waxing • Eye lash lift & extensions
• Tanning cover for trades that have tanning • Advanced electrolysis
treatments generating up to 20% of their turnover • Paraffin wax treatments
We have many others available and always aim to accommodate, so please contact us if you
have a specific treatment or treatments for which your client needs cover.
See page 6 for our Legal Expenses cover which can be added to this policy as an extension.
10. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4Guest House
Our Guest House product has been designed specifically for Guest House proprietors and B&B
owners that have up to 15 letting rooms who generally occupy the property overnight.
Cover Available:
As you would expect from a comprehensive policy we provide cover for all aspects of your
client’s business including as standard covers such as:
• All usual perils are covered including subsidence and Accidental Damage
• Cover for private contents may be included up to 25% of the value of trade
contents
• Seasonal stock increase - 33.33% in December and January and 15 days before
bank holidays
• Temporary removal of stock to alternative premises
• Accidental breakage or damage to glass, basins, lavatories or urinals and
cisterns
• Public and Products Liability Limit of Indemnity £5m as standard
Tailored Features and Extensions:
Our policy has been designed to cover all aspects of a typical Guest House or B&B owner.
This Comprehensive cover will provide complete peace of mind that your clients insurance
requirements are covered.
Our specialised extensions include:
• Costs to repair landscaped gardens damaged by emergency services
• Costs to secure the building following a fire or break-in
• Costs incurred to trace the source of escaping water up to maximum of £2,500
• Accidental damage to underground services pipes and cables up to £25,000
• Cover for guests’ wedding and Christmas gifts to a maximum of £2,000
• Loss of metered water following damage at the premises
• Personal effects - Cover away from the premises anywhere in the world
• Damage to any property incidental to the business while in transit
• Interruption of the business due to infectious or contagious disease at the
premises. Pollution of beaches or waterways within 25 miles from the premises
See page 6 for our Legal Expenses cover which can be added to this policy as an extension.
11. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4Home Assure (Household)
We asked our brokers what they wanted from a household Policy and we were told a comprehensive
bedroom rated policy. Home Assure is exactly that – an easy to use, fully comprehensive policy where
the premium is rated on the risk factors rather than the sum insured.
Cover Available
Our wide breadth of cover provides everything you would expect from a comprehensive
insurance product and includes such features as:
• All usual perils are covered including subsidence and Accidental Damage
• The product provides cover for Contents of £75,000 and Buildings of £750,000 automatically
(when section is selected)
• For sums insured above these simply over type the values and we then rate on the sums
insured rather than the bedrooms
Wide range of occupants covered including:
• Let properties to various tenants including Benefit Assisted, Asylum Seekers and Students
• Standard Household
• Listed buildings
• Unoccupied residential – even long term unoccupied
• Bed and breakfast businesses
• Holiday homes
Tailored Features and Extensions
We recognise that many households have specific insurable needs so we can extend our
policy to offer a wide range of tailored features including:
• Hearing aids • Mobility
• Hot tubs scooters
• Marquees • Fine wines
We always aim to accommodate so please ask if you need any other extension.
See page 6 for our Legal Expenses cover which can be added to this policy as an extension.
12. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4Office Package Offices come in many shapes and sizes, and regardless of what type of office business your client runs, they will need a product which covers all aspects of their business activities. Our office product is a commercial Business Combined policy with the flexibility to suit a variety of businesses and activities covering both Staff and Property. Types of Offices Covered We cover many different types of offices including but not limited to: • Accountants • Management Consultants • Law Firms • Insurance Brokers • Independent Financial Advisers • Management Consultants • Insurance brokers Cover Available As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard cover such as: • Property • Employers Liability • Business Interruption • Public & Products Liability £2m standard limit Tailored Features and Extensions • Inflation protection / index linking • Book debts standard limit £25,000* • Interruption following damage to public utilities, limit £25,000* • Breakage of glass £10,000 standard * • Goods in transit standard limit £2,500* • Laptop and Mobile cover away from the office in the UK available • Loss of money – premises, in transit & in safe - standard limit £5,000* • Loss of income standard Sum Insured £250,000* * these limits can be increased upon request. See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 13. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Residential Let: Property Owners This product is designed for owners of Residential Properties who let their properties to tenants. Our wide-ranging policy covers many types of tenants including: • Asylum seekers • Professionals • Students • HMO • Benefit assisted individuals and families Cover Available Our wide breadth of cover provides everything you would expect and probably wish for from a comprehensive insurance product and includes such features as: • All usual perils are covered including subsidence and Accidental Damage • Automatic inclusion of Loss of Rent up to 20% of the buildings sum insured • Malicious damage by tenant Tailored Extensions Our policy is designed specifically for the residential landlord and cover is tailored so that your client has full peace of mind that all their insurance requirements are covered. Our specialised extensions include: • Loss of metered water following damage • Costs to repair garden areas damaged by emergency services • Cost of metered gas and electricity following unauthorised occupancy • Cost of replacement locks following loss of keys • Cover for landlord’s contents when the premises are let furnished • Cover for property in outbuildings • Flexible excesses with premium discounts for higher excess levels • Property Owners Liability up to £2Million • Employer’s Liability up to £10Million See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 14. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Restaurants Our package product is designed to be flexible in order to accommodate the multiple types of cuisines and how they are prepared. Cover Available As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard covers such as: • Property • Business Interruption • Public & Products Liability • Employers Liability Tailored Features and Extensions Our Restaurant product is specially designed for this sector and therefore has various features available to ensure total peace of mind for your client and includes: • Inflation protection index linking • Availability for cover in relation to outside of catering • Breakage of glass standard limit £10,000* • Goods in transit standard limit £2,500* • Loss of money - premises and in transit standard limit £5,000* • Business Interruption standard Sum Insured £500,000* * these limits can be increased upon request. See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 15. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Shops & Retail Shops and Retail units come in many different shapes and sizes, and regardless of what type of shop or retail unit your client runs, they will need a product which covers all aspects of their business activities. Our Shops & Retail product is a commercial Business Combined policy with the flexibility to suit a variety of businesses and activities covering both Staff and Property. Cover Available As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard covers such as: • Property • Business Interruption • Employers Liability • Public & Products Liability £5m standard limit Tailored Features and Extensions Our Retail product is specially designed for this sector and therefore has various features available to ensure total peace of mind for your client and includes: • Inflation protection / index linking • Cover available for Domestic Contents • Breakage of glass standard limit £10,000* • Goods in transit standard limit £2,500* • Loss of money - premises and in transit standard limit £5,000* • Business Interruption standard Sum Insured £500,000* * these limits can be increased upon request. Types of Shops Covered We cover many different types of Shops & Retail premises including but not limited to: • High street premises • Shop units • Franchises and concessions • Shopping centres • Retail parks See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 16. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Surgery Surgeries come in various forms but regardless of what type your client runs, they will need a product which covers all aspects of their key business activities. Our surgery product is a commercial Business Combined policy with the flexibility to suit a variety of businesses and activities covering both Staff and Property. Types of Surgeries Covered We understand that finding cover for some medical facilities and surgeries can at times be difficult with insurers willing to write some but not others. We have designed our Surgery Policy to cover a broad spectrum of risks and to include a whole host of those difficult to place businesses including: • Doctors surgeries and clinics • Dental Surgeries • Medical centres • Veterinarian practices. Cover: As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard covers such as: • Property • Business Interruption • Public Liability • Employers Liability £2m standard limit Tailored Features and Extensions We recognise that each business has different requirements, and do not believe in the ‘one approach fits all’. Because of this we have optional extensions specific to surgery risks which you can easily add to your policy, giving your client total peace of mind. Such covers include: • Stocks of drugs and medicines • Cover for Domestic Contents available • Black bag (Doctor’s/vet’s bag) cover – away from the premises and including drugs • Cover available for mobiles/laptops and other portable electronic equipment for doctors/vets on call • Work away cover included (including at conferences, events etc) • Money in transit, on premises & in safe standard limit £2,000* • Deterioration of stock standard limit £1,000* • Business Interruption standard Sum Insured £250,000* • *These limits can be increased upon request See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 17. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Tattoo & Piercing Look all around and you will be sure to see someone sporting a tattoo as body art becomes ever more popular. Couple this with piercings and this is definitely a growing area of the market. Our Tattoo and Piercing product is designed specifically for those people working in this field. Cover Available As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard covers such as: • Property • Business Interruption • Public & Products Liability • Employers Liability Tailored Features and Extensions Our Tattoo & Piercing product is specially designed for this sector and therefore has various features available to ensure total peace of mind for you and your client this includes: • Cover provided for treatment machines • Inflation protection / index linking • Breakage of glass standard limit £2,000* • Goods in transit standard limit £1,500* • Loss of money – premises, in transit & in safe, standard limit £2,000* • Loss of Income standard Sum Insured £250,000 * these limits can be increased upon request. See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 18. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Touring Caravan
Our Touring Caravan Product is now live and is packed with fantastic features and limits some of which
are detailed below.
If you would like any additional information please contact your Development Manager.
Policy Cover Silver Gold
Personal accident cover Not included £20,000
Emergency removal Covered Covered
Loss of use £100 per day - 15 days £100 per day - 15 days
Furniture in awning £200 £500
Use in europe Not included Upto 180 days
Loan to family and friends Covered Covered
Getting your caravan home Not included Upto £1,000
(following injury/illness)
Contents cover 10% of Caravan SI as 20% of Caravan SI as
standard standard
Contents single item limit £500 unless specified £500 unless specified
Liability £2,000,000 £2,000,000
Excess £100 £100
19. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4Professional Select
Our Professional Select product is designed to be traded online with flexible options so your clients can pick
and choose the cover they need.
For full details of cover please refer to the individual Policy Wordings and Summary of Cover documents.
You can log on here: www.greshamonline.co.uk
Key Features
Standard Cover Maximum Limits More than 300 acceptable trades
Public liability £5,000,000 Up to 8 persons on cover
Optional Cover Maximum turnover £500,000
Personal accident £5,000 Temporary employee cover up to 50 days in any one
period of insurance when the Employers liability section is
Employers liability £10,00,000
operative
Business equipment £10,000
Flexible commission structure
Professional Indemnity £1,000,000
Optional Legal Expenses cover from £40
(selected trades)
*inner limits and increased excesses apply for certain trades.
Top accepted risks
Artists & photography Beauticians Caterers (unlicensed) Cleaners & cleaning services
Fitness & personal training Hairdressers Marketing & advertising Professional & consulting risks
Training and tuition
Flexibility
Up to 4 trades can be selected
Amend your commission rate between 0% and 35% to help you compete on price.
Property worked upon covered automatically (inner limits and increased excesses apply for certain trades)
For full details of cover please refer to the individual Policy wordings and Summary of cover documents.
20. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4Tradesperson
Our Professional Select product is designed to be traded online with flexible options so your clients can pick
and choose the cover they need.
For full details of cover please refer to the individual Policy Wordings and Summary of Cover documents.
You can log on here: www.greshamonline.co.uk
Key Features
Standard Cover Maximum Limits More than 200 acceptable trades
Public liability £5,000,000 Up to 8 persons on cover
Optional Cover Maximum turnover £500,000
Personal accident £5,000 Up to 50m height and 20m depth cover
Employers liability £10,000,000 Temporary employee cover up to 50 days in any
Contract works £500,000 one period of insurance when the Employers liability
section is operative
Plant & machinery £25,000
Temporary (up to 180 days) manual work within the
Portable tools £10,000 European Union by UK residents for Tradespeople
and worldwide non-manual work
Hired in plant £50,000
Property worked upon covered automatically.*
Business stock £5,000
*inner limits and increased excesses apply for certain trades.
Top accepted risks
Bricklayers Builders Carpenters and joiners Carpet Fitters Double glazing installers
Electrical contractors (domestic & small commercial only) Flooring contractors Gardening & garden services
Painters and decorators Plastering and decorators Property maintenance and repairers Window cleaners
Plumbers & heating engineers (both only domestic & small commercial)
Flexibility
Up to 4 trades can be selected Policy wordings tailored to manual Tradesperson businesses
Amend your commission rate between 0% and 35% to help you compete on price
21. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4Unoccupied Premises There is not always great appetite amongst insurers for writing unoccupied properties, so we have aimed to provide a tailored solution to assist our brokers for such placements. Our Unoccupied policy provides cover for a wide range of building types and provides wide cover wherever the property allows. Cover Available: Our wide breadth of cover provides everything you would expect from a comprehensive unoccupied insurance product and can include such covers as: • Buildings • Rental income • Property Owners Liability to £5Million • Employers Liability to £10Million What Unoccupied properties do we cover? • Retail Shops • Offices • Residential • Industrial Tailored Features and Extensions: Our policy is designed specifically for the Unoccupied Risk and cover is tailored so that your client has full peace of mind that their insurance requirements are covered: • Inflation protection / index linking • Full special perils available subject to underwriting criteria Our underwriting approach Our rating is designed to reflect features that improve the risks and include amongst others. • Burglar alarm • Caretaker • Manned security • Security boarded • Voluntary excesses See page 6 for our Legal Expenses cover which can be added to this policy as an extension. 22. T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk 240220GULSTIHV4
Gresham Underwriting Limited is authorised and regulated by the Financial Conduct Authority. Our company registration number is 08284648.
Our registered office is Beaufort House, 15 St. Botolph Street, London EC3A 7BB.
T: 01322 223 883 E: enquiries@greshamonline.co.uk www.greshamonline.co.uk
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