Do you require general insurance cover?

Ellie Newman, General Insurance Broker with Thomas Oliver explains what is meant by General Insurance and Business Insurance, when you might need it and how you can purchase it through Thomas Oliver. If you require general insurance cover, please call our dedicated general insurance team on 01707 872000.

Thomas Oliver’s financial advisers and mortgage brokers offer varied financial planning services

At Thomas Oliver we offer a variety of financial planning services, including:

• Investment planning
• Retirement planning
• Inheritance tax planning
• Mortgage advice
• Protection and general insurance

Most of these are terms are fairly self-explanatory, but the term ‘general insurance’ sometimes confuses clients, as they are not sure what it actually means.

What is General Insurance and when might you need to purchase it?

Ellie Newman, General Insurance Broker in Goff’s Oak and Cheshunt said: ‘Usually clients associate our general insurance services with the buildings and contents insurance linked to the mortgages our mortgage brokers offer. Most people already know we only use 5* defaqto rated products so we make sure our clients are well protected and guaranteed a payout where it is due. However, buildings and contents insurance is only a small part of our general insurance offering. We have a dedicated general insurance team who are specialists in this area with almost 15 years-experience.’

Here are the different types of general insurance cover our advisors can discuss with you: 

Tradesman, contractors and construction insurance

This includes public liability, employer’s liability, contractors all risks, tools and plants, JCT cover, Efficacy cover and self-build.

Professional indemnity insurance

Insurance for errors and omissions, office and equipment, computers, business interruptions, cyber liability, legal expenses, directors and offices.

Commercial property insurance

This includes hotels, guesthouses and B&Bs, shops, offices, restaurants, pubs, property portfolios, industrial units and terrorism cover.

Business insurance packages

This includes stock, contents, public and products liability, employers liability , all risks (items covered away from the main property such as mobile phones), business interruption, goods in transit, manual work away, hotels, guesthouses and B&Bs, Shops, offices, employers liability, restaurants, pubs, property portfolios, specialist high net worth households including holidays homes, surgeries, working from home, specialist high net worth households, business fleet (more than 4 vehicles).

Ellie Newman, General Insurance Broker in Goff’s Oak and Cheshunt continued: ‘The above list is not exhaustive, but it gives you an idea of what else is included in our general insurance offering. We are here for all your financial services and protection needs, so please contact us on 01707 872000 if you require any of these general insurance packages. Please remember that if you require insurance cover that we can’t offer we have set up many professional connections over the last fifteen years so we can normally put you in touch with a specialist. At Thomas Oliver, we pride ourselves on our excellent service so please contact us for your general insurance.’