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Clarke Williams Ltd
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01732 252 898

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Local Business Reward Scheme

Supporting the local community
With us, it’s personal.

We pride ourselves in being local insurance experts. We get to know you personally, to find out exactly what you need from your insurance, at the right price.
Clarke Williams Ltd want to support local businesses which is why we have partnered with the Tonbridge Town Team to provide a local reward scheme.
We will give a £25 voucher at new business stage to spend at over 80 different locations in the Town when a local business or individual purchases their insurance products via ourselves.

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Find an Insurance Broker

BIBA helps more than 550,000 people a year to access insurance protection through its ‘Find a Broker service’. As a BIBA broker we offer a range of competitive insurance policies from Contractors Liability and Fleet to Consultants Professional indemnity and Office Combined

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Contract protects architects from full impact of claim

When a couple engaged a firm of architects to manage the refurbishment of their house, the architects inserted a ‘net contribution clause’ into the contract. The intention of the clause was to limit the liability of the architects to the extent to which any defects in the work were their responsibility rather than that of builders or contractors engaged.

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Specialist Insurance for Groundworkers

Our Groundworkers Insurance and Civil Engineering Insurance schemes can cater for those involved in Concrete Placing, Directional Drilling, Shuttering, Formwork, Haulage, Muck Away, Paving, Piling, Plant Hire, Reinforced Concrete, Foundations, Site Clearance, Steel Fixing, Surfacing, Bitumen Works, Road Construction, Underpinning, Utilities and other associated trades. We have the ability to quote for risks that work at Hazardous locations as well as high risk activities such as works above 25m height, works below 5m depth, Asbestos Works and work involving the application of heat.

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Business Essentials – 360 Protection from Clarke Williams Ltd

Following the Health & Safety Executive’s introduction of “Fee For Intervention” in 2013 which will undoubtedly result in an increased number of proactive Inspector visits plus faster reactive response to accidents and general allegation of policy breach, we have expanded our assistance in this area by giving our clients free access as part of this package to an online Health & Safety consultancy service for added reassurance and peace of mind.

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Are you underinsured, is your liability limit enough?

If a group of employees is affected in one accident at a building site, there could be a claim in excess of the market standard £10 million limit – this means clients need to be considering higher public and employers liability limits above the standard £5 and £10 million. As a result a change is being seen from the top with large building contractors and local authorities stating that the previously accepted limits of indemnity are no longer acceptable due to the potential for large liability claims to surpass these limit.

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How much Professional Indemnity Insurance do I need?

For a start-up business with a relatively low projected income, we would suggest as a minimum no less than £250,000 to begin with – but this depends on the industry you are working in and the type of work you undertake; only you can make this decision. For more established businesses and contractors working with several clients on large contracts, £1m – £5m is a more appropriate limit and may be better suited to their needs.

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What insurance does a limited company need

When dealing with starts up or entrepreneurs, a common question arises, what insurance do I need for my business? Some of what is required is a legal requirement, while other policies are optional and will depend upon the particular type of business you run.

Here are some of the most important policies you should consider, and why.

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Weather Insurance

With businesses being at the mercy of the British weather wouldn’t it be nice to protect against financial penalties for delay in works outside of your control? Clarke Williams has the solution with Weather Insurance, a policy designed to limit your additional costs for unseasonal weather conditions.

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Winter Driving Guide

As well as injured staff and vehicle damage, harsh driving conditions can lead to other losses for your business too – like vehicle breakdowns, claims from other road users involved in accidents, and longer journey times. Our help guide below gives a range of tips for staying safe on the roads this winter, and our risk assessment form covers the additional things you’ll need to consider, like route planning and vehicle checks. Winter driving tips for employees

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Telephone: 01732 252898

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Clarke Williams Ltd are authorised and regulated by the Financial Conduct Authority under reference 758683. The Financial Conduct Authority’s Register can be accessed through . We are registered in England and Wales with Companies House under number 10317065. Our registered office address is 194 High Street, Tonbridge, Kent, TN9 1BE

Clarke Williams Ltd
194 High Street

Tel: 01732 252 898

© 2017 Clarke Williams Ltd