Business Insurance Quotes UK

• Tradesman
• Offices
• Home Workers
• Manufacturers, Factories and Printers
• Restaurants, Hotels and Takeaways
• Resedential Landlords
• Public Liability Insurance
• Commercial Vehicles (vans, fleets and minibuses)
• Motor Trade (car dealers, motor mechanics etc.)

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Seattle-based Safeco said it reached a definitive agreement to sell its Redmond, Wash.-based Safeco Life & Investment operations? life insurance, group insurance, annuities and mutual fund businesses to an investor group led by Bermuda-based White Mountains Group Ltd. and Omaha, Neb.-based Berkshire Hathaway Inc. The deal, valued at $1.35 billion, may also include additional proceeds based on June 30, 2004, statutory book value, Safeco said.

Definition:- Legal liability to pay damages consequent upon bodily injury, illness or disease contracted by any other person, other than employees, or loss of or damage to their property caused by the insured.
Limit of Indemnity is the maximum amount the insurance company will pay in the event of a claim being made. The limits are usually up to £5m but when working for another company, cover of £10m or more can be demanded.

Buildings and contents can be insured against fire, lightning, explosion of gas and boilers used for domestic purposes without the addition of special perils such as explosion, riot, malicious damage, storm, flood, impact by aircraft, road and rail vehicles, escape of water from tanks or pipes and sprinkler leakage.
'All risks' insurance gives wider cover including any accidental damage or loss not specifically excluded. However 'all risks' will not cover wear and tear, electrical or mechanical breakdown and gradual deterioration which will be specifically stated in the policy document.
The business premises should be insured for their full rebuilding cost (including professional fees and the cost of site clearance) and not just for their market value. You may need expert advice to calculate the rebuilding cost, which often differs significantly from market value.
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