Commercial Insurance

Property Owners

Coulter Hurst & Co is a leading commercial and residential property insurance broker. The products we broker are bespoke to the needs of our clients and include all the necessary covers to protect our clients' investment.

Legal Indemnities

Our experience and knowledge of this sector is extensive with particular attention given to defective title and restrictive covenants although we place covers for all legal contingencies such as search and access issues and chancel repair liability. We work closely with many solicitors and/or their clients to arrange appropriate protection. If you would like a quotation for a defective title or restrictive covenant please complete the Enquiry Form for onward transmission to our legal indemnities team.

Environmental Liability

The liabilities both past present and future that can arise from the purchase or leasing of land are growing progressively more onerous and very often such insurance protection is necessary for the completion of contracts. At Coulter Hurst & Co we are fortunate in having access to all the specialist markets.

Latent Defects

This is a first party insurance policy to protect the interest of our property investor clients should damage occur as a result of defective design, construction or materials and not be discovered until after cover has commenced. Again, we act as agents for the specialist insurers.

Contractors All Risks

This is a policy usually purchased by contractors and/or arranged by architects, developers or employers. The terms of this insurance protection very often have to comply with the conditions of the contract works and cover not only the new works but the liabilities arising both during and for a period after the contract has been completed.

Directors & Officers Liability

The legal responsibilities now placed on individuals managing a business are numerous and likely to be more so in the future. We believe it is prudent for any company to have this insurance policy to protect their directors and managers and through Coulter Hurst terms can be obtained from insurers, on-line, without delay.

See our news article for more information.

Employment Practices Liability

Employers are now faced with a barrage of legislation; arguably protecting, more so, the rights of their employees. Some insurers have introduced a solution to this liability risk by offering a policy that covers client’s legal defence costs and the expenses incurred including the cost of compensatory awards.

Professional Indemnity

As many of our clients are professional people earning a fee for their work, we are experienced in protecting negligence that may arise and arranging bespoke policies that may have to meet with professional body requirements. Our position in the market means we have access to many insurers including Lloyds.

Fidelity

Whoever is responsible for the finance of an organisation, it is the ultimate position of trust. Policies are available to protect companies/firms/charities where funds are embezzled. However, certain systems must be in operation and, therefore, our brokers can advise you on the cover to be obtained.

Employer Liability

Virtually all organizations regardless of size must carry this compulsory form of insurance protection. Failure to do so could result in criminal prosecution. We are able to arrange insurance in accordance to this statutory requirement either under a “combined” or “package” arrangement or in isolation in certain circumstances.

Public/Products Liability

It is prudent for all our clients to insure their legal liabilities against claims for injury or damage to third parties and it is our role to make sure they select an appropriate level of cover. Again such protection can be incorporated under a “combined” or “package” contract or in isolation in special circumstances.

Excess Liability

Some of our clients require higher levels of cover to protect their legal liabilities. Indeed, it can be a condition of contracts they enter into, during the course of their business, that certain limits of indemnity through insurance are required. In addition to the primary layer of cover we can arrange additional cover with any one of a number of various insurers.

Business Interruption

Not only should any business protect their assets but they should consider also insuring their loss of income in the event of their day to day activities being interrupted by loss or damage caused by the perils listed under their property policy. Even a short term interruption to trading can cause a serious impact on gross profit or income. At Coulter Hurst we always recommend our clients protect their earnings.

Marine Cargo

Many of our clients transport their goods or are responsible for conveying third party property throughout the UK and beyond. It is essential such activities are protected and, in order to comply with various carriage and storage requirements be it by road, rail, air or sea. We prefer our clients to have their own full protection and not just rely on covers that may be arranged by third party carriers.

Combined/Package

Many of the above insurances can be amalgamated under combined or package arrangements for ease of administration and, often, to maintain competitive premium rates. Such contracts can be purchased, on behalf of our clients, on-line from insurers which will help to hasten policy issue and to minimise premium costs.

Motor Fleet

We act as brokers for many clients who operate fleets of cars and commercial vehicles of all sizes and composition. The markets for this class of insurance are very competitive and, therefore, we are aware of its price sensitivity when companies budget their general insurance costs. At Coulter Hurst our brokers will ensure our clients have the most comprehensive cover for the keenest premium with a quality insurer.

Private Healthcare

Most of our clients are concerned about insuring their assets and liabilities. Many, however, seek to protect the health of their employees by offering Private Medical Insurance as a benefit. At Coulter Hurst our experienced team will negotiate with insurers, policies to suit client’s needs, ensuring at all times, enquiries are dealt with in the strictest confidence.

Dental Insurance

With the escalating struggle to find an NHS dentist and the increased NHS charges, private dentistry is on the rise. Dental plans are highly valued and visible because they can be used regularly by everyone.