Commercial Insurance

Commercial Insurance or Business Insurance, can help to cover losses related to unexpected and unforeseen events such as property damage or injury to employers. Commercial Insurance policies cover a broad spectrum of risks, including General Liability, Commercial Property, Professional Liability, Cyber Liability, and Business Interruption. The specific needs of each business may vary, necessitating different types of Commercial Insurance policies to address the unique risks faced by that particular business adequately. At Archerfield Insurance Management, we understand the unique risks and challenges that different industries face, and we can work closely with our clients to develop tailored insurance solutions that address your specific needs.

Directors’ and Officers’ Insurance is a crucial consideration for individuals in leadership positions within a company, regardless of their official title, be it partner, director, general manager, officer, or any other role of authority. If you hold such a position, it is important to recognise the potential risks and the need for adequate protection through Directors’ and Officers’ Insurance. This comprehensive policy not only covers your legal defence costs but also provides cover for damages that you may be legally obligated to pay to other parties as a result of any wrongful acts committed in your capacity as a company director or officer. Having Directors’ and Officers’ Insurance in place can ensure that you have financial support and peace of mind in the event of any legal claims or actions.

Professional Indemnity Insurance offers invaluable protection, shielding professionals from the potentially crippling financial implications of legal costs and compensation claims that may arise from incidents within their field of expertise. It is of utmost importance for professionals to understand the various types of claims that can arise and the potential impact they can have, to secure adequate coverage and safeguard their financial well-being. Some professions are required to have Professional Indemnity Insurance such as Solicitors, Accountants, Architects, Chartered Surveyors, Financial Advisers and some Healthcare Professionals.

Having adequate insurance coverage for your commercial vehicles is of utmost importance to ensure that your vehicles and your business is protected in the wake of unforeseen events such as theft, damage and road traffic accidents. Company owners need to ensure that every driver and company vehicle is insured within the fleet. Your Motor Fleet Insurance policy can be customised to suit your unique requirements, with the option to include various additional features that can enhance your motor fleet's protection. The most comprehensive fleet insurance policies offer a diverse range of options, such as fleet windscreen cover and insurance that covers any driver.

Contractors Insurance or Tradesman Insurance can protect you from costly claims and mitigate potential liabilities that may arise during your work. Owning and operating a business, as well as working on a contractual basis for clients, involves numerous potential risks and liabilities. As a business owner or contractor, you may be held responsible for accidents, injuries, and errors that occur. Furthermore, there is a possibility of sustaining personal injuries or causing damage to crucial business equipment. These risks and liabilities are an essential consideration for any business owner or contractor, emphasising the need for adequate protection and safety measures. Whether you require comprehensive insurance coverage for your long-term work or a one-time policy for a particular project, at Archerfield Insurance Management, we are here to assist you, whether your business is based in Monmouth, Cardiff or anywhere across the country. Our in-house claims service is readily available to provide support from the moment you purchase your insurance, ensuring that you receive the necessary guidance and assistance throughout the process.

The manufacturing, distribution and wholesale industries encompass a wide range of businesses and professions, resulting in a diverse array of risks. From printing, joinery, and precision engineering to catering, food, wholesale baking, clothing, and electrical manufacturing, there are countless business activities within these sectors, each presenting a unique set of risks and challenges. This diversity in business operations underscores the need for comprehensive risk management strategies tailored to the specific requirements of each industry, ensuring adequate coverage and protection. By obtaining Manufacturing, Distribution, and Wholesale Insurance, you can effectively address a diverse range of risks to ensure comprehensive protection for your business. Whether you are involved in manufacturing products or components, or oversee the storage and distribution of goods as an integral part of the supply chain, this specialised insurance coverage can help to protect your operations and business.

A Commercial Combined Insurance policy is designed to consolidate various crucial covers into one comprehensive package, simplifying the insurance process. This package typically includes essential covers such as Employers' Liability Insurance, Public and Products Liability Insurance, and Business Interruption Insurance. By encompassing these key areas, the policy aims to protect you, your business, and your legal obligations as a business owner. This insurance package is particularly suitable for small to medium-sized commercial enterprises, including wholesalers, manufacturers, engineers, printers, and warehouses. It can be customised to address the specific risks faced by these businesses, providing the necessary financial protection and peace of mind that your organisation is adequately covered.

Public Liability Insurance helps to provide vital financial protection for business owners when faced with claims for injury or property damage from clients, customers, or members of the public.  It encompasses work performed in public settings, private residences, or business premises. By securing Public Liability Insurance, you can mitigate the risks associated with potential accidents and protect both your business and the well-being of those you interact with.

Employers' Liability Insurance provides coverage for expenses related to employee claims resulting from work-related illnesses or injuries caused by employee negligence. Ensuring the well-being of your employees is crucial, and as an employer, it is essential to prioritise this responsibility. Even a minor incident such as slipping on a wet floor could result in a claim.

Regardless of whether your commercial marine craft falls under categories such as commercial fishing boats, cargo boats, ferries, supply boats, tug boats, passenger vessels, container ships, and more, our goal is to assist you in finding the most suitable insurance coverage for your marine business. We understand the unique risks and challenges that come with operating in the maritime industry, and we aim to provide you with the right insurance solutions to protect your business and ensure peace of mind.

A crisis can occur at any time for any business, which can affect the reputation and revenue of businesses. The capability to effectively handle these situations is crucial across all industries. Crisis Management Insurance cover is an insurance policy specifically crafted to assist businesses in mitigating the negative implications of events on their reputation. For businesses and organisations business, a crisis refers to an occurrence or series of events that profoundly disrupt the operations of a company, with the potential to even lead to its complete downfall. Such crises often have a significant impact on sales and the overall reputation of the company. Crisis management involves the recognition of potential risks that may affect an organisation and a business, along with the strategies implemented by the organisation to address these risks.