Commercial
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At Howard Insurance we can arrange insurance cover for all types of Commercial Insurance. Below is some of the main types of commercial insurance we arrange, this is not the complete list of our products. If the type of cover you require is not shown please contact us. We are more than happy to discuss your requirements over the phone or face to face at your premises or ours.
Commercial Motor
We can arrange motor insurance for various types of commercial vehicles:
- Vans
- Pick Ups
- Taxi's
- Mobile Plant
- HGV's
Cover is available on a Comprehensive, Third Party Fire & Theft and Third Party Only basis with various discounts available for restricted driving also 'mirror' discounts matching no claims discount earned on your private car.
Fleet policies are available from 2 vehicle's onwards.
We have a dedicated UK based 24 hrs motor claims service with a 14 day emergency hire vehicle regardless of the circumstances of you claim.
To obtain a quotation please complete the enquiry form or contact us on tel no 0191 2961666.
Motor Trade
We can arrange policies for all type of motor traders, from the part-time trader working from home to the major car dealership. We can also arrange cover for associated trades such as car valets, windscreen fitters, motor factors etc.
Cover available:
- Road Risks - Comprehensive, Third Party Fire & Theft, Third Party Only
- Public Liability
- Sales & Service Indemnity
- Employers Liability
- Garage Contents
Discounts are available for restricted driving, 'mirrored' no claims discount from a private car policy.
To obtain a quotation please complete the enquiry form or contact us on tel no 0191 2961666
Contractors
We arrange policies for one man business's to large contractors with turnovers in the millions, in ALL types of trades including the following:
- Builders/Property Maintenance
- Roofers
- Steel Erectors
- Glazing/Curtain Walling
- and many more...
Cover available:
- Public Liability with indemnity limits up to £10,000,000
- Employers Liability
- Contract Works
- Own Plant
- Hired-In-Plant
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666
Liability
We can arrange stand alone liability insurance for the more unusual risks or for those type of business's that don't require cover for premises.
We also arrange Public Liability cover for landowners with unused land, forest areas etc where public have easy access.
Cover available:
- Public Liability
- Products Liability
- Employers Liability
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666
Retail & Hot Food Takeaways
At Howard Insurance we specialise in insurance for the retail and hot food takeaway sectors.
We have bespoke policies that provide all the main insurance covers under one policy.
These are:
- Material Damage cover protecting Contents and/or Buildings
- Business Interruption covering loss of profits following an insured loss
- Business Money
- Deterioration of Frozen Food
- Goods In Transit
- Public Liability
- Products Liability
- Employers Liability
Optional covers available include Commercial Legal Expenses, Personal Accident, Directors & Officers Indemnity.
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666.
Hotel & Licensed Trade
At Howard Insurance we specialise in insurance for the Hotel & Licensed Trade sector. Cover is available for the small bed breakfast, large hotels, public houses, night clubs and restaurants etc.
We have bespoke policies that provide all the main insurance covers under one policy.
These are:
- Material Damage cover protecting Contents and/or Buildings
- Business Interruption covering loss of profits following an insured loss
- Business Money
- Deterioration of Frozen Food
- Goods In Transit
- Public Liability
- Products Liability
- Employers Liability
Optional covers available include Commercial Legal Expenses, Personal Accident, Directors & Officers Indemnity.
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666.
Office & Surgeries
At Howard Insurance we specialise in insurance for Offices & Surgeries.
We have bespoke policies that provide all the main insurance covers under one policy.
These are:
- Material Damage cover protecting Contents and/or Buildings
- Business Interruption covering loss of profits following an insured loss
- Business Money
- Deterioration of Frozen Food
- Goods In Transit
- Public Liability
- Products Liability
- Employers Liability
Optional covers available include Commercial Legal Expenses, Personal Accident, Directors & Officers Indemnity.
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666.
Manufacturing & Engineering
At Howard Insurance we specialise in insurance for manufacturing & engineering trades. We have access to exclusive rates for certain trades such as Plastics or Precision Engineering.
We have bespoke policies that provide all the main insurance covers under one policy.
These are:
- Material Damage cover protecting Contents and/or Buildings
- Business Interruption covering loss of profits following an insured loss
- Business Money
- Deterioration of Frozen Food
- Goods In Transit
- Public Liability
- Products Liability
- Employers Liability
Optional covers available include Commercial Legal Expenses, Personal Accident, Directors & Officers Indemnity.
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666.
Wholesalers & Distributors
At Howard Insurance we specialise in insurance for Wholesalers & Distributors.
We have bespoke policies that provide all the main insurance covers under one policy.
These are:
- Material Damage cover protecting Contents and/or Buildings
- Business Interruption covering loss of profits following an insured loss
- Business Money
- Deterioration of Frozen Food
- Goods In Transit
- Public Liability
- Products Liability
- Employers Liability
Optional covers available include Commercial Legal Expenses, Personal Accident, Directors & Officers Indemnity.
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666.
Landlords & Property Owners
At Howard Insurance we have had many years experience in arranging property insurance for residential and commercial landlords and property owners. We have access to exclusive rates with the major UK insurers.
Cover can be arranged for all type of tenancy's including Students, DSS, Asylum Seekers and Unoccupied properties.
In addition to covering the property cover includes property owners liability and can be extended to include loss of rent and employers liability.
To obtain a quotation please complete our online quotation form or contact us on tel no 0191 2961666.
Professional Indemnity
Professional Indemnity Insurance provides indemnity for your legal liability arising from wrongful advice, libel, slander, loss of documents etc.
At Howard Insurance we can arrange Professional Indemnity insurance for a wide range of professions from Accountants to Zoologists.
Each risk is considered on its own merit taking into account previous experience and claims history.
Rolling monthly policies are available which allow you to pay monthly at no extra charge and also remove the need for a completed proposal form at each renewal.
To obtain a quotation please complete the enquiry form or contact us on tel no 0191 2961666.
Directors & Officers Indemnity
Directors and those working in a position of management responsibility are operating in a difficult corporate environment. Mistakes can happen in the course of running any business which adversely affect shareholders, employees and other interested parties, any of which may pursue an action against you.
Directors and Officers can be held legally accountable in their own personal capacity for unlimited amounts. Not only can you be held personally liable for your own actions, you could also be called to account for those of other members of the board and management.
Howard Insurance offers a range of Directors and Officers Insurance products for your protection. With so many responsibilities already on your agenda, we can remove the guesswork in finding a policy that provides the protection you need.
To obtain a quotation please complete the enquiry form or contact us on tel no 0191 2961666.