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Protect Your Business Against Cyber Crime

A common reason for small or medium businesses not holding Cyber Insurance is that they are too small to be targeted however cyber criminals are indiscriminate in their approach and often don’t know who they are attacking, only that they are attacking weak systems or networks with vulnerabilities.

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Competitive Public Liability Insurance for Contractors and Tradesmen

Aviva’s offering includes money cover and £500,000 of Legal Expenses as standard, as well as cover for temporary employees and more. Plus they’ve reduced their prices by up to 25% for over 70% of accepted self-employed trades. It’s all part of providing you with cover that better fits with the way you work, so you’re free to focus on running your business.

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Cyber Insurance from Aviva and Clarke Williams

Clarke Williams Ltd and Aviva work together, combining our personal expertise with one of the most extensive single packages of cover out there.
Aviva’s Cyber insurance offers three distinct benefits: a free cyber health check* which helps you spot weaknesses in your business IT security before a hacker does; insurance cover designed specifically for SMEs that can also be added to your existing business insurance policy; and a 24/7 incident helpline to experts who will co-ordinate the end-to-end response to get your business back on track.

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Crime Insurance

At Clarke Williams we understand that the fraud landscape is constantly evolving. Whilst employee fraud is an ongoing business risk, with the advent of the internet, e-commerce and increased reliance on technology, businesses are also becoming more susceptible to frauds committed by outsiders.

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Tree influencing distance information for property insurance

The following list was produced by the ABI (Association of British Insurers) but it is very important to note that this is only a rough guide as every single tree situation is different, there may be a number of other factors outside the scope of this piece which may abnormally effect whether a tree could affect a property. Trees should therefore be maintained by regular inspection by a qualified professional where there is a risk to property or members of the public should a tree fall outside the boundaries of your property.

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Commercial Vehicle Insurance – Electric car users to pay 0% company car tax in 2020

For cars registered from April 6th 2020, most benefit-in-kind rates will be reduced by two percent over the current system. For Electric Vehicles, that means zero percent, which is also extended to most vehicles registered prior to April 6th. The reduced charges will also apply to hybrids and plug-in hybrids that are capable of 130 miles or more of electric only range, with CO2 emissions less than 50g/km. (very few vehicles fit in this bracket)
Current projections are for the 0% rate to increase to 1% by 2021/22 and up to 2% in 2022/23, but this may change.

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Clarke Williams wins Tonbridge Business Award

The last few months have been amazing for Clarke Williams Ltd, we celebrated two years in Tonbridge, purchased another long established Tonbridge business to help keep jobs in the town and to top it all we were shortlisted for 3 awards at the Tonbridge Business Awards and won Best Business under 25 Employees.

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Construction Insurance Checklist

The construction trade can be a hazardous industry, as a business owner you want to protect your business and the general public in the event that something goes wrong. There are lots of situations when contractors might find themselves facing a liability insurance claim. Below is a brief description of some of the insurance available to purchase and how it helps protect your business
and customers in the event of an incident.

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High Value Home Insurance – are your Art and Antique collections covered properly?

Our expert advisers will review your requirements and make a recommendation based on this however if the following statements ring true then you may benefit from a specialist policy.
“I own or look after valuable objects that would be difficult to repair or replace if they were damaged”
“My collection is split over various locations”
“I own a pair or set that would be devalued if one piece were to be lost or damaged”
“I buy objects at auctions, from dealers or fairs at home and abroad”
“I occasionally send items to be reframed or restored”
“I lend items from my collection to galleries for exhibition”
“I keep items in specialist storage”

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Cyber and Data Insurance from Hiscox and Clarke Williams

A cyber-attack against your business is no longer a case of ‘if’ but ‘when’ which is why Clarke Williams Insurance Brokers have partnered with Hiscox Insurance to provide a comprehensive policy to meet the ever changing landscape of cybercrime.
In 2017, nearly half of all businesses were hit by at least one cyber-attack with average costs for UK businesses ranging from £25,000 for smaller businesses and £385,000 for companies with 1,000 employees or more. 2017 also found that 67% of Hiscox cyber claims were caused directly by employee error, negligence or social engineering.

Property Owners Liability which covers you against the cost of claims arising from injury or damage suffered by a third party. This could be a tile falling off the roof and injuring a passer-by or a fire that damages the neighbouring property. Property Owners’ Liability will protect you financially should the third-party claim for compensation. Property Owners Liability is typically automatically included if you take out Landlords Buildings Insurance.

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Compare Landlords Property Insurance Quotations

Buildings Insurance which protects the buildings from a number of specific events also known as “perils” such as Fire, Flood, Escape of Water or Subsidence. In the unfortunate event of a loss occurring, the insurer will pay the costs of repairing or rebuilding the property so that the Landlord is put back into the position they were prior to the loss occurring.

Property Owners Liability which covers you against the cost of claims arising from injury or damage suffered by a third party. This could be a tile falling off the roof and injuring a passer-by or a fire that damages the neighbouring property. Property Owners’ Liability will protect you financially should the third-party claim for compensation. Property Owners Liability is typically automatically included if you take out Landlords Buildings Insurance.

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JCT 21.2.1/6.5.1 Non- Negligent Liability Insurance Product

Non-Negligence Liability Insurance is designed to provide liability for loss or damage to adjacent or surrounding property that arises due to non-negligence on behalf of a contractor. As a business owner arranging insurance where you have not been negligent may seem rather unusual, but depending on the type of Contract you are undertaking, you may need to arrange this insurance.

A standard Public Liability Insurance policy will only indemnify the Insured Party against damage to third party property or persons which has resulted from their negligence. But what if the Works damage a neighbouring property and the Contractor was not negligent? This is where Non-negligence Liability comes in to play and it is a standalone site specific policy to your existing insurance arrangements.

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Contractors All Risks & Plant Insurance Product

At Clarke Williams we recognise the complexities of running your own business and understand the challenges of finding the right cover which not only protects your assets and staff but also complies with industry contract requirements and regulation. If you wish to arrange a quotation for Contract Works or Liability Insurance talk to one of our experts today on 01732 252898, we will be happy to discuss your requirements.

We work closely with our clients to truly understand their business and ensure that they have the right cover at the best possible price. As specialists for Scaffolding and Roofing Insurance we can provide solutions to cover any eventuality with access to market leading insurers and facilities in Lloyds of London.

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Scaffolding & Roofing Contractors – Liability Insurance Scheme

As specialist insurance brokers for the construction industry we have access to several bespoke schemes for Scaffolding and Roofing Insurance to protect your business from the costs of damage to property, injury to the public, injury to your employees and costs arising from your legal liabilities.

We work closely with our clients to truly understand their business and ensure that they have the right cover at the best possible price. As specialists for Scaffolding and Roofing Insurance we can provide solutions to cover any eventuality with access to market leading insurers and facilities in Lloyds of London.

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High Risk Contracting Trades- Liability Insurance Product

With minimum premiums starting at £2,500.00 + IPT call Clarke Williams for a no obligation review. As liability insurance specialists with over 50 years experience in the industry, we have put together solutions with a range of insurers which allow us to provide cover for the vast majority of trades, below are a few examples of the type of contractors that we work with:

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Want to speak to one of our specialists?

Call or email us today for a comprehensive insurance policy at a competitive price.

Telephone: 01732 252898

Be safe in the knowledge that your business is protected for all eventualities

Get a quote by calling our team on 01732 252 898.

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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 http://www.fca.org.uk/ . We are registered in England and Wales with Companies House under number 10317065. Our registered office address is Blue Bell Court, Sovereign Way, Tonbridge, Kent, TN9 1FU.

    Clarke Williams Ltd
    Blue Bell Court
    Sovereign Way
    Tonbridge
    Kent
    TN9 1FU

    Tel: 01732 252 898

    © 2022 Clarke Williams Ltd

      01732 252 898