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Building Insurance
Protects your shop against accidental damage, will repair damaged cables, underground pipes and drains and replace trees, shrubs and plants destroyed by fires and explosion.
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Legal Expenses
Covers the legal costs and compensation associated with employment disputes, personal injury, data protection and property disputes.
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Glass
This includes replacing display windows, fixtures, fittings, frames and frameworks and covers boarding up costs too.
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Loss Of Money
Should money be lost or stolen during business hours, out of hours, while in a safe or is taken by an unauthorised employee, then this will be returned to you.
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Business Interruption
Protects your shop from damage, whether structural, or that caused by flood or fire. It can also include inability to access computer systems due to hacks, or shop events that have to be postponed, cancelled or relocated due to an unexpected incident. This type of cover can last 12,...
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Seasonal Increases
Your stock levels may fluctuate throughout the year, especially during Christmas where it can increase by up to 30%. This cover means your ‘sums insured’ can also increase, protecting your whole inventory.
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Employer Liability
A UK legal requirement covering injury and illness claims (both physical and mental) made by employees, as well as volunteers and contracted staff as a result of doing their job.
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insurance contract
Sep, 6 By 0 Comment

Life Insurance
Should you pass away during your policy, your family will get a cash sum to help them with living expenses. This policy allows you to focus on your loved ones knowing that they will be looked after when you pass away.
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house subsidence
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Holiday Home
You’ve worked hard in life to be able to afford a luxury holiday home, and you shouldn’t then have to deal with an expensive fall out should something happen that wasn’t your fault. Our Holiday Home Insurance protects your holiday home and its fixtures, fittings and possessions from fire,...
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Sep, 6 By 0 Comment

Personal Accident
Should you become ill or suffer an injury which prevents you from working, then Personal Accident Insurance will cover medical expenses, corrective surgery and disablement. It can also cover accidental death and funeral expenses.
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Legal Expenses
Provides protection for a number of legal matters you may face, including property, employment or payment disputes, as well as tax investigations and criminal prosecutions.
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Contract Works
Protects you against natural disasters such as storms, floods and fires, as well as acts of vandalism that prevent you from completing a contract in the agreed-upon time.
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Owned Plant And Hired Plant
If you own or hire equipment and machinery that gets lost, damaged or stolen, Owned Plant and Hired in Plant Insurance will cover any loss of income, as well as the cost of replacing them, allowing you to continue working as soon as possible.
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Public Liability
Protects your business should a client or member of the public suffer an injury, damage or loss to themselves or their property through negligence while in contact with your premise, staff members or vehicles. At JonSimon Insurance, we can cover you for claims of up to £10 million.
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Equipment Breakdown
Covers accidents, breakdowns, contamination and damage done to office equipment, as well as the costs of restoring data and hiring replacement equipment.
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Terrorism
Protects your office from damage caused by acts of terrorism, including loss of money and that done to the structure and contents.
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Personal Accident
If you or named staff become ill or injured resulting in missed work days, then this will cover medical expenses, corrective surgery and disablement. It can also cover loss of limbs and death.
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Loss Of Money
Should money be lost or stolen while in transit, in a safe, on your premises or taken by an unauthorised employee, this will return the funds to you.
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Glass
This includes replacing display windows, fixtures, fittings, frames and frameworks and covers boarding up costs too.
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Contents Insurance
Covers the costs of replacing office equipment, furniture and data should they be damaged, lost or stolen. Should you wish to replace keys following a theft or robbery then this is covered too.
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Building Insurance
Protects your office against accidental damage, subsidence, costs charged by emergency services and rent needed should your office become inhabitable.
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Personal Accident
Personal accident cover gives you peace of mind knowing that you’ll be covered if something unfortunate happens that it isn’t your fault. It provides compensation should you suffer from a serious injury or death following an accident.
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Accidental Damage
Protects your property’s floors, fixtures and fittings, for example from carpet spills, balls thrown through windows and unexpected roof leaks.
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Tenant Referencing
Background checks are always recommended to ensure you know exactly who is moving into your property. We can look into a potential tenant’s employment status, current debt and evictions for example.
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Terrorism
Should your property be attacked and becomes inhabitable, this covers building damage, provision of alternative accommodation and loss of rent.
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Legal Expenses
Covers the costs associated with legal action, court proceedings and defence made against you, or that you make against your tenants.
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Loss Of Rent
There may be times when you can’t rent your property out, for example, if it’s accidentally damaged, or destroyed. This covers the rent you would have made had the building been operational.
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Index Linking
A policy that reflects inflation, whereby the sum insured is adjusted with rises in costs. This is typically for residential properties.
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Day One
If inflation increases the Reinstatement Value between policy start date/renewal and incident date, this covers you against losses for commercial properties.
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Buildings Insurance
Covers the cost of structural damage to your property, including that which affects the walls, ceilings, doors, windows and the roof. Garages and fences can also be included.
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