Commercial Insurance Lines

Park Insurance Services has extensive experience in the commercial insurance market, our commercial insurance department can provide guidance on most classes of commercial insurance covers.

We have direct access to the UK’s leading insurers, including Lloyd's, and offer a range of high quality business insurance facilities.

When dealing with Park Insurance for your commercial insurances you can rest assured that we will research the markets available to us. Our experienced staff will start by getting to know your business and try to understand how you operate and the risks that you may face. After this initial assessment we look in detail at your existing covers and identify any possible gaps and areas for improvement.

Our experienced staff who are all from commercial insurance company backgrounds will then submit a detailed presentation to the insurance market. Once we have reviewed the market we will then present you with a quotation with an insurer that we feel best suits yours needs in terms of both cover and premiums.

Once our administration team has helped put the programme in place, our claims team will be on hand to ensure that, should you need to claim, everything possible will be done to resolve matters quickly and efficiently.

We also regularly review your programme. This allows us to respond should your circumstances or the insurance market change.

The substantial size of our accounts with leading insurers benefits clients in terms of negotiating rates, services and claims settlement facilities. We pride ourselves on fulfilling each client’s insurance needs with as much care as if they were our only client.

Protecting your business through insurance is a vital responsibility, and one which requires professional guidance and support.

Salon Secure

Salon Secure has arranged specialist insurance policies dedicated to the Hairdressing, Beauty, and Health & Fitness industries. These policies are underwritten by major insurance companies, and contain special cover extensions that make them the ideal protection for your business.

Cover is available for both mobile and static businesses, and the liability policy includes cover for claims arising out of treatments, for instance if a client has an adverse reaction to oils you have blended. For a comprehensive list of the treatments covered and more information about our policies, please visit the 'Policy Details' section.

Taxi Secure

Taxi Secure are recognised as one of the leading providers of Taxi insurance whether for Public Hire, Private Hire or Chauffeur drivers.

Taxi Secure can cater for most vehicles whether it is Black Cab, Saloon, MPV, Minibus or even 4x4 in certain locations. We can quote owner-driver as well as the fleet operator where any driver on any vehicle is a pre requisite. Our quotations will reflect your individual circumstances.

Taxi Secure can provide schemes for public Liability beyond the highway as well as Employers Liability for staff. Also available is Legal Expenses cover for claims disputes that will help recover uninsured losses such as car hire, loss of earnings and policy excess.

Hotel Secure

Hotel Secure and our dedicated staff are ex insurance company specialists with vast amounts of training and experience to call upon.

We cater for small family run hotels to large hotel chains, and in each instance the insurance cover we provide will reflect your individual circumstances.

We make sure that you receive the highest quality service to arrange the correct cover at an affordable price by using a carefully selected panel of insurance companies to ensure that you get the best deal. We also have access to underwriters at Lloyds enabling us to provide cover for "unusual" businesses.

Tradesmen Insurance

We can offer a policy designed for self-employed tradesmen working within a wide range of trades such as Builders, Electricians, Plumbers, Cleaners, Landscape Gardeners, Beauty Therapists and Hairdressers. Our insurance policy is designed to protect tradesmen against damage to property incurred in the course of their trade.

If you earn your living from a trade, such as building, plumbing or electrical work, then it is important to have public liability insurance and properly cover yourself for any eventuality. Accidents can happen, either to you, your employees or members of the public, so you should protect yourself and others. Our policies can include:

• Public liability – injury or damage to property
• Injury to employees, temporary employees and contractors
• Loss or damage to tools, machinery and materials

We know your tools are your business, which is why we can cover you for loss, theft or accidental damage of your hand and power tools (when you select the option). The cover also extends to include your tools whilst they are in transit or left in your vehicle.

As a tradesman, we understand you may occasionally get involved in larger projects. Most insurance policies have restrictions or warranties which may mean the cover will not operate in the event of a claim. With over 30 years experience, we can tailor a policy which fits your business, and is flexible to allow for expansion.

Public Liability

Public Liability covers you against death or bodily injury to the public and it also covers you for loss or damage to property not owned by you or in your custody or control.

Products liability protects you in the event that any product you make or supply to someone causes injury or damage through your negligence.

It includes solicitors fees, all costs and litigation expenses, damages and claimant's costs for which you would be legally liable.

Your limit of indemnity can be arranged at either £1m, £2m or £5m (depending on your trade).

Employers Liability

Employers liability insurance is a legal requirement and covers you should a claim be brought against you by a member of your staff. A company without Employers Liability could stand to lose all of their personal assets including their home in the event of injury to their employees. The law requires a minimum cover of £10 million.

Driving Tuition Insurance

We have designed a Driving Tuition insurance policy that offers competitive premiums with outstanding levels of cover. Whether you are an ADI or PDI instructor, we can arrange a driving instructor's insurance policy to suit you, with a range of great features designed just for driving instructors.

By listening to the needs of driving instructors we have, over the years, added additional covers and options for the benefit of our Driving School clients, including:

• Optional legal expenses cover
• Liability when training in a student's car
• Protected no claims bonus option
• Liability to the public
• Underwritten by top UK motor insurer
• Windscreen cover
• Monthly instalments and direct debit
• Payments via Visa, Mastercard, Switch and Solo

Minibus Insurance

If you, your business or your organisation operates a minibus you will understand the need for proper insurance cover to help protect you and the people you are transporting.

At Park Insurance we are able to offer cover with UK based insurers that are specialists in the minibus insurance market

We provide a policy that is specifically designed for minibus operators, including:

• Schools, colleges and universities
• Charities
• Churches
• Social clubs
• Care homes and nursing homes
• Scout and Guide groups
• Hotels

We can tailor a minibus insurance policy to suit the needs of all the above business and many more, Our expertise, experience and technical knowledge in minibus insurance allows us to offer the most competitive and comprehensive minibus and coach insurance products on the market.

Our policies include:

• 24 hour/365 days freephone claims helpline
• Accident recovery facilities
• Optional breakdown and recovery assistance
• Free uninsured loss recovery
• Instalment facilities
• UK and European use
• Windscreen cover

Call us now on 0117 955 6835 and one of our dedicated team will find you a policy that meets your requirements

Business

• Manufacturing
• Wholesale
• Leisure
• Property
• Contractors All Risks
• Engineering
• Goods-in-Transit
• Charities
• Nursing Homes
• Scaffolding Risks
• Construction
• Public Liability
• Employers Liability

Packages

• Shops & Offices
• Pubs & Clubs
• Restaurants/Take-aways
• Block of Flats
• Property Owners
• Guest House/Hotels
• Surgeries (Doctors/Vets)

Vehicles

• Vans & Trucks
• Minibuses & Coaches
• Taxis
• Fleets
• Agricultural
• Driving Schools

Other Policies

• Professional Indemnity
• Legal Expenses
• Marine
• Tax Investigation
• Directors & Officers Liability