Commercial Insurance
Stride Limited has been trading since 1973 and is now one of the largest and most successful independent insurance brokers in the South of England.
For a quote for your business call 0800 840 6699 or click here to complete a contact form.
Lines are open 9am to 5pm and calls may be recorded.
Stride provides a bespoke commercial insurance and risk management service to businesses of all sizes, offering a range of specialist insurance cover, including:
Property Damage Insurance
Covers unforeseen loss of or damage to insured property by an insured peril. Sums insured should be based on reinstatement as new values. Cover can be extended to cover items away from the insured’s premises.
Business Interruption Insurance
Covers the business for financial losses resulting from loss or damage to property by an insured peril for a specified period of time after the event.
Contract Works Insurance
Covers physical loss or damage by an insured peril to the Works in the course of erection/refurbishment and the materials, plant, works and equipment associated with the contract.
Hired in Plant Insurance
Covers physical loss or damage for loss or damage to plant hired in and can be extended to include continuing hire charges whilst awaiting replacement/repair.
Contract Bonds
A contract bond is a guarantee issued by an insurance company in support of an underlying contract. The parties to the contract bond are the contractor, employer and the guarantor – the insurer.
The bonds available include performance bonds, advance payment bonds, retention bonds and maintenance bonds.
Money Insurance
Protects the business against loss or damage to negotiable and non negotiable money, belonging to the business of for which the business is responsible. Cover is available for money at the business premises, in transit and at the residence of a director or employee.
Loss Recovery Services
This provides the comprehensive services of a claims consultant in the event of a property and business interruption loss exceeding £5,000 but excluding subsidence and liability claims.
Employers Liability Insurance
Indemnity against legal liability to pay compensation and cost/expenses in respect of bodily injury caused to any employee arising out of and in the course of their employment in the business. This cover is a legal requirement for most businesses.
Public Liability Insurance
Indemnity against legal liability for injury to third parties or loss of or damage to third party property arising out of the business.
Products Liability Insurance
Indemnity against legal liability for accidental injury to third parties or for damage to their property arising from goods or products sold or supplied.
Financial Indemnity Insurance
Indemnity against for losses following goods or products sold or supplied where there is no injury to third parties or damage to their property.
Directors and Officers Liability Insurance
Directors and Officers have varied duties, responsibilities and powers in connection with their position. It is therefore possible that third parties could hold them responsible for a range of issues including:
- Health and Safety
- Data Protection
- Accounting
- Fraud
- Negligence
Directors and Officers cover gives financial protection in the event that a director or officer is sued for accidentally acting outside their terms of reference. Cover can be extended to include Employment Practices Liability and Entity cover as below.
Trustees Liability Insurance
Covers the personal liability of trustees if they are in breach of legislation and the duty owed to their employer, plan or corporate trustee.
Professional Indemnity Insurance
Covers legal liability as a result of wrongful, negligent or misleading advice.
Cyber Liability Insurance
Indemnifies against third party liability claims alleging financial loss caused by a wrongful act arising from insured services whilst carrying out activities in cyber space on websites, emails etc.
Environmental Impairment Insurance
Covers a company’s legal liabilities to third parties for pollution and clean up costs for their own or a third party’s site.
Credit Insurance
Comprehensive cover to protect the business against payment defaults and customer insolvency.
Commercial Legal Expenses Insurance
Covers legal defence costs arising from, amongst other things, employment disputes, tax investigations, property and contractual disputes.
Cover Against Loss of Licence
Covers financial loss in the event of non-renewal or withdrawal by the authorities of a licence required for a business.
Fidelity Guarantee
Protects the business from internal or external attack, resulting in the loss of money and/or stock.
Computers & Plant Breakdown Insurance
A standard Property Damage policy does not include the risk of breakdown. A separate policy can be arranged to cover this eventuality.
Engineering Insurance
Covers loss of or damage to engineering plant. Cover can be extended to included business interruption.
Engineering Inspection Insurance
Covers periodic inspections of relevant equipment, e.g pressure vessels, lifting plant, to cover statutory regulations.
Deterioration of Stock
Covers loss or damage to stock following breakdown of the refrigeration plant or leakage or refrigerant.
Goods in Transit Insurance
Covers loss or damage to goods being carried in the company’s own, carriers, or by post/rail whilst in transit in the UK.
Marine Cargo Insurance
Covers loss or damage to stock and other property in transit on waterways, land and by air either for UK/UK transits or imports and exports to other parts of the World.
Motor Fleet Insurance - Multiple Vehicle Policies
Motor Insurance is a legal requirement under the Road Traffic Act and covers injury and/or damage to third parties as a result of operating motor vehicles and normally includes theft and damage to own vehicles.
Annual Business Travel Insurance
Covers medical expenses, personal accident, cancellation, personal effects and/or money whilst travelling on business. This can sometimes be extended to include family holidays of the directors/owners of the business.
Event Insurance
Cover for multiple or one off events for event organisers.
