Buildings

We offer competitive insurance for all types of commercial properties including office, warehouse, retail, manufacturing and specialist. From small business workspace to major distribution depots, we source the level of cover required at the right price 

Building Defects

At LFC we provide tailored high quality cover for latent defects, to meet the requirements of lenders, developers and owners, giving complete peace of mind at competitive cost.

Contents

We advise on and source the right level of cover to protect essential business or commercial assets, either based on specific contingencies such as fire and flood, or on a wider accidental damage policy.

Business Interruption

Sometimes overlooked by business owners, this type of insurance provides the means to re-start your company should the worst happen. Talk to us about how this essential insurance can provide a lifeline to companies in crisis.

Engineering

Engineering insurance provides cover for plant and machinery in the event of damage and breakdown. Cover can include the risk of explosion in steam-pressured machinery and electrical breakdown.

Computers

Often the ‘beating heart' of the business, computer loss can be dramatic. Insurance provides cover against breakdown and damage and can include reinstatement of data where necessary.

Deterioration of Stock

Essential for goods stored or transported in temperature controlled environments, stock deterioration insurance covers against temperature variances that render stock unsaleable.

All Risks

All risks cover provides insurance against specific events that are not included on other policies. This might include industry specific hazards, or accidental damage. We will be pleased to assess your current policies to find out what you might need and exclude costly duplication.

Exhibitions

If your business is exhibiting at a trade show or fair you need to consider and safeguard against risks that are not normally covered by your existing insurance. At LFC we tailor products to give you the cover you need at competitive cost.   

Employers

A legal requirement for all employers, Employers' Liability provides cover should employees make compensation claims against you for injuries incurred during the course of their work. We present you with access to the whole of the market and find employers' liability insurance that fits your business perfectly.   

Public

Public liability can be arranged for all types of business, including sole traders. Cover is an essential part of business life and is often a stipulated requirement when supplying corporate customers.

Products

As society becomes increasingly litigious, product insurance provides essential cover and legal expenses in cases where injury or damage is caused as a result of products supplied and may be extended to provide cover where compensation or damages are awarded as a result of product failure.

Professional indemnity

Obligatory in many of the ‘traditional' professions such as law and accountancy, professional indemnity is advisory in certain other occupations such as management consultancy, IT and training. At LFC, we provide specialist advice on all professions and have a tailored market for architects.

Directors and Officers

As statutory obligations increase, directors and company officers must ensure they are covered for any liability that could arise from their actions or omissions. Call LFC to find out more.

Environmental

We provide insurance for companies who find that the value of land they own is affected by environmental contamination. Cover can include clean-up of the site as well as third party liability. 

Product recall
and guarantee

Product Recall insurance covers costs associated with recall and associated liability; Products Guarantee provides rectification cover should the product fail to fulfil its stated function. Without such cover, many manufacturing industries run the risk of being crippled should products not live up to expectations.

Assigned Lease

Tenants who assign a lease to another party may carry ongoing liabilities. Our technical staff will help you decide whether Assigned Lease cover is required and explain the products available.

Motor Trade

If you run a business dealing with the sale, service or repair of vehicles, you will need specialist insurance, even if you work from home. At LFC we will assess your need and find you the right level of cover at the right price. 

fleets

With our network of Insurers, we will select competitive terms for hauliers and company car fleet managers, setting cover to meet your specific requirements.

HGV

We have access to specialist insurers who offer competitive policies for established or new haulage operators.  Cover can be provided for national, European or worldwide transportation. 

PSV

All public service vehicles that carry passengers need appropriate insurance, even when no charge is made to passengers. We will give you advice on the level of cover you need and search from our database of leading insurers to find the best policy for you. 

Vans

LFC can tailor your cover to whatever basis you require. Cover can be extended to include driving in Europe if necessary and separate provision arranged for loss or damage to Goods in Transit.

Motor Trade

Motor Trade risks should be carefully assessed to ensure you have sufficient cover but to avoid duplication and unnecessary expense. Our team will examine your existing insurance, look for cost savings and eliminate any areas of overlap.

Loss of MOT Testing

Garages that depend on MOT testing for part of their revenue should consider safeguarding that income stream. Loss of MOT Testing insurance allows you to claim should you be unable to fulfil your MOT testing through no fault of your own.     

Agricultural

Loss or theft of agricultural vehicles can be critical to business income, especially if it happens at pivotal calendar points on which a whole year's profitability can depend. Talk to LFC about how to safeguard against this loss.

Special Types

We source policies to cover special vehicles, for example excavators, diggers, platforms and cranes. LFC's team will find the most cost effective policies and assist you should you need to make a claim.    

Marine Cargo

If you currently rely on the freight carriers' cover you might want to take another look at this area of insurance.
At LFC we can often find policies that are more affordable than you currently pay, whilst giving greater peace of mind cover on imports, exports and inland transits.

Aviation Cargo

LFC has access to specialist insurers within the aviation industry that will cover a huge range of cargo types to almost all global destinations. Our team will be pleased to talk to you about the most suitable cover for your business.

Goods in Transit

Because no two client businesses are the same, we source Goods in Transit policies to fit specific identified needs.  This can include transportation within the UK, Europe or worldwide and distribution of specialist items and equipment.  

Fidelity Guarantee

This type of insurance protects you from theft by employees and helps to fill gaps in your existing cover that could leave you vulnerable to embezzlement of stock or money.

Advanced Profits

Advanced Loss of Profits guards against situations where anticipated profits fail to materialise as a result of specified loss or damage. Some schemes involving private and public sector partnership demand that this type of insurance is in place. Talk to our experts to ensure you have sufficient cover.

Book Debts

Should your accounting records - paper or electronic - be damaged or stolen, book debts insurance will cover you against the expense you incur due to that loss.

cash in Transit

If your business necessitates large sums of cash or cheques to be transported, you should consider cash in transit insurance to cover against theft. This type of cover can also include cash stored overnight in locked strongrooms or safes.

Credit Insurance

When creditors become bankrupt or insolvent you may think it unlikely that your business will recover what it is owed. With credit insurance protection this need not be the case; contact LFC to discuss the choice of covers available.

Key Man

Consider what would happen if you or a key member of your staff were incapacitated or died. Key man insurance can provide protection of profits, protection for shareholders, cash for interim management, and cover for loans or guarantees.

Kidnap and Ransom

For certain businesses this type of cover against possible extortion is an absolute necessity. At LFC we will advise on risk management and provision of the right level of cover.

Financial Services

A firm of dedicated and professional IFA’s who have provided first class solutions to many of our clients since 1999, LFC Financial Management Ltd exists to provide sound and well informed financial advice on a local and national basis, to Corporate and Personal clients for whom unbiased and professional advice is of paramount importance.

Legal Expenses

At LFC we advise on the legal expenses cover that fits your need; we eliminate gaps or duplications in existing insurances and ensure you are protected against what can be a business-threatening expense. 

Libel and Slander

Libel or slander can occur in even the best regulated companies either through ignorance or deliberate acts from employees. We will talk through the risks to which you might be exposed and ensure you have adequate protection in place.

Loss of License

Running licensed premises is challenging enough but if that license is withdrawn by the local authorities your business will be left in serious trouble. This risk can be protected. Please speak to LFC. 

Patents and Copyrights

Intellectual property is often the most valuable asset of a business, particularly in the arts, design and manufacturing sectors, but registering patents does not necessarily protect against the use of your idea by a third party. Call LFC and we will help to minimise your risk.

Malicious Tamper
and Extortion

A large number of industries can fall victim to this type of malicious practice, including those who manufacture or distribute foods and beverages, toys, electrical devices and products for the healthcare profession. Advice from LFC will help protect against and manage this risk.

Cars

With everyone claiming to have the best car insurance, how do you choose? The answer is…you don't! Leave the choice to us and we will find an insurer that gives you great cover at a great price.

Motorbikes

We will find suitable insurance and cover to meet your needs, whatever your experience and conviction record.
Just tell us about yourself and your bike and we'll do the rest.

Breakdown

Don't get stranded with the wrong type
of breakdown cover and don't pay through the nose for cover you don't need. Today there is a wealth of breakdown cover products on the market, so let us do the analysis and selection on your behalf. 

Mobility Protection

We have access to specialist policies that provide protection for users of electric wheelchairs and mobility scooters. Call LFC with your details and we will search our database to find the best value policy for you.

Buildings

It's a top priority to have Insurance to cover the cost of re-building your home should disaster strike. If you have a mortgage or loan secured on your property, your lender will demand to see such an insurance in place. Make sure your cover is sufficient for the costs you could incur. At LFC we will choose from the most competitive policies for you.  

Contents

Don't ignore protection for the contents of your home. Fire or flood is devastating enough without financial distress. Choose from basic cover or more extensive insurance that protects against accidental damage and gives additional benefits. At LFC we will be delighted to give you advice.

Buy to Let Property

We will scour the market to find competitive products specifically designed to protect your property and you as a landlord. Cover for buy to let investors can include landlord's liability and contents if you so wish.

Personal Possessions

Items that are used away from home can be expensive, for example, MP3 players, DVDs, camera equipment and the like. You can cover these possessions either by specifying items or taking out unspecified cover. We will be pleased to give you advice and make sure you're not doubling up cover that you might already have elsewhere. 

High Net Worth

If you own a high value home it is likely that you also have high value contents and possessions. Our expert team will advise on cover for buildings, contents, specified and unspecified personal possessions, choosing from the leading insurers in this specialist sector. We can also put together bespoke packages for multiple homes, contents, fine art, travel and possessions. 

Art and Antiques

We arrange cover for specified items of art, antiques, jewellery or other valuables that would fail to be protected under a standard contents policy, whether a ‘one off' or a private collection. As part of our service we can arrange valuations on your behalf.

Annual Policies

You don’t have to be a regular traveller to benefit from an annual travel policy. If you take three or four breaks a year, annual insurance represents excellent value. By combining your insurance needs in this way you can save money and benefit from a higher degree of cover.

Single Trip

Travel companies often sell their own insurance policies but these may not be the most competitive, nor offer the best level of cover. We select from the whole market to find policies that fit your travel plans whether you're a lone back-packer, a luxury loving family or a 90 year old adventurer! 

Winter Sports

Standard travel insurance is unlikely to cover you for ‘high risk' activities such as skiing, snowboarding, diving, motor sports, flying or rock climbing. If you intend to participate in any sports whilst you are on holiday, give LFC a call for advice.