Special Risks Insurance
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What We Offer
If your business is perceived as a high risk and requires specialist insurance, then call Lockyers.
Lockyers are a leading insurance broker. Our experienced brokers are able to find insurance for even the riskiest businesses such as: mines and quarries, tower crane operators, scaffolding contractors, demolition contractors, works at height or depth, flood areas, oil and gas, aerospace, automotive, petrol stations, piers, theme parks, night clubs, waste industry, hospitals and medical facilities. We have access to most UK branded insurers and utilise this buying power to design a bespoke insurance solution for the most complex requirements, getting the right protection at the right price.
We aren’t just here to sell you a policy either. Once you become one of our clients we will work with you on an ongoing basis, adjusting the policy to meet the needs of your changing business. Should the worst happen and you need to claim, our dedicated claims managers will handle your claim and help to appoint contractors and claims professionals where needed. Getting you back to normal in no time!
What our clients have to say about us
“Lockyers took the time to fully understand our business, making sure the cover was right in a challenging market”
British Fluorspar Ltd
Cover can be tailored to include:
- Public liability insurance –– cover for claims due to injury or loss including damage to property or injury to a member of the public – Find out more
- Product liability insurance – covers the cost of compensation claims for injury or damage to people or properties by a faulty product that your business designs, manufacturers or supplies – Find out more
- Employers’ liability insurance– a legal requirement if you have 1 employee or more to cover against any action taken by any employee in the event of accident or loss – Find out more
- Buildings insurance – cover to protect your premises in the event of structural damage such as fire damage
- Tenants improvements insurance – cover for permanent changes, e.g. wiring, built in cupboards, made to a leased property by the tenant rather than the landlord
- Contents insurance – cover for items such as tills, fixtures and fittings from losses caused by damage and theft, especially when some equipment can be very expensive.
- Stock insurance – cover for damage or theft of products which can be very expensive to replace
- All risk items away from the premises insurance – including laptops and phones
- Loss of profits insurance – cover to allow your profit levels to be maintained in the event of business downtime so your business will still receive income
- Computer insurance – cover for loss, theft or accidental damage
- Goods in transit insurance – cover includes goods in vehicles owned or operated or carried by a third party
- Legal expenses insurance – protection from the costs of legal proceedings including employment and tax disputes
- Machinery and plant insurance – cover for damaged or stolen machinery including diggers, forklifts and generators that you own or loss of plant that you’ve hired
- Directors’ and officers’ insurance – cover for claims from anyone who feels they have suffered a loss arising from a director acting wrongly in their position e.g. from employees, shareholders, creditors, regulators, customers, government – Find out more
- Engineering inspection policy– if your business involves the operation of plant and machinery including electrical installations, lifting and ventilation equipment or pressure systems then regular inspections are required to check they are operating safely within the relevant legal requirements. This policy covers the services of qualified, professionals to inspect the plant and offer expert advice – Find out more
