Trades covered
Motor Trade including:
- Body Shops
- Vehicle Buying and Selling
- Smart Repairers (mobile and premises based)
- MOT testing
- Mechanical Repairs
- Coverage for All Motor Trade activities
Other areas of cover:
- Shops and Retail
- Pubs, Restaurants, Takeaways
- Property Owners and Landlords
- Public and Products Liability
- Employers Liability
- Coverage for all commercial insurances
- Coverage for all commercial insurances
Coming Soon:
Equestrian business establishments, Mobile Farriers, Chiropractors, Dentists, Saddle Fitters, Grooms.
Motor Trade
Our Motor Trade Combined Insurance offers comprehensive and robust protection against a multitude of risks that your Motor Trade business could be exposed to, all in one package.
Material Damage
- Cover for your business premises and items within.
- Buildings or Tenants Improvements
- Machinery, plant and all other contents
- Portable Hand Tools
- Vehicle Diagnostic Equipment
- Own and stock vehicles.
- Customer Vehicles
- Electronic Office Equipment
- Stock
- Money and wrongful conversion
- Business Interruption
- Goods in Transit
- Loss of MOT Licence
Liability Insurance
- Public
- Products
- Employers
- Defective Workmanship
Road Risk
- Cover for vehicles owned by you, your business, or your customers whilst on the road.
- Trade Plates
- Named Driver or Any driver
- Customer Courtesy Vehicles
- Accompanied and Un-accompanied demo cover
- Additional business use not associated with Motor Trade activities.
Commercial Combined Policy
A Commercial Combined or Package Policy is a great option for businesses in the retail, leisure, and service industries.
Shops, restaurants, pubs, takeaways, clubs Health and Beauty … to name a few.
With one policy, your covered for a wide range of risks including:
- Building or tenants improvements
- Machinery, plant, tools, fixtures, fitting and all other contents
- Electronic Office Equipment
- Stock
- Money
- All risks cover
- Business Interruption
- Book debts
- Good In Transit
- Computer or Engineering Breakdown
- Fidelity Guarantee
- Legal Expenses
- Public and Products Liability
- Employers Liability
- Loss of Licence Loss of Licence
With all our policies, you get all the coverage you need for the way your business works without paying extra for things you do not need.
If you would like to discuss the options for you and your business, feel free to contact us for free advice and a quote or complete the contact us form and we will be in touch.
Property Owners
As a result of our strong market relationships, Forty Insurance can assist homeowners, investors, and multi-property portfolio holders of all sizes
Regardless of your needs, we have the knowledge to offer tailored insurance solutions to protect your assets, income, liabilities, and employees.
We can also help protect your investment with enhanced cover options and other supportive insurance products
No matter what kind of portfolio you have, be it a single dwelling, a multi storey apartment block or an array of commercial properties, you need Property Owners Insurance in place to protect your residential or commercial properties as well as your legal liability for personal injury or property damage arising from your properties.
- Buildings
- Property Owners Liability
- Landlords Contents
- Loss Of Rent
- Legal Expenses
- Employers Liability – cleaners, maintenance staff
- Landlords Legal Expenses – Can handle a variety of legal issues you may face as a property owner, including evictions, rent recover, arrears, and repossessions
If you would like to discuss the options for you and your business, feel free to contact us for free advice and a quote or complete the contact us form and we will be in touch.
Public Liability
Having Public Liability Insurance covers you in case your business causes property damage, injury, illness or disease to someone else.
Your Public Liability indemnity limit usually ranges from £1 million to £10 million, depending on the requirements of your individual circumstances.
You will need Public Liability Insurance if your business does any of the following:
- Working with or coming in to contact with third parties.
- Working on or around third-party property
As part of a Combined Liability Policy, you can cover Public, Products and Employers’ Liability. You can also opt for these covers as stand-alone policies.
If you would like to discuss the options for you and your business, feel free to contact us for free advice and a quote or complete the contact us form and we will be in touch.
Employers Liability
In most UK businesses with a least one employee, Employers Liability Insurance is a legal requirement. The minimum coverage required by law is £5,000,000.
An employer can be fined up to £2,500 for each day without insurance in place.
Your Employers Liability policy will cover compensation payments and legal costs if an employee or ex-employee sues and files for compensation from you for work related illness, disease, injury, medical costs and lost earnings.
Employers Liability cover can be included as part of a combined liability or combined package programme.
If you would like to discuss the options for you and your business, feel free to contact us for free advice and a quote or complete the contact us form and we will be in touch.
Private Lines
Car. Home. Van. Pet. Motorbike. Bicycle. Travel. Breakdown.
Buying Personal Lines Insurance does not always require the help of an insurance broker. You sometimes just need an easy way to compare insurance products and get great value cover.
Momentum Marketplace is a Personal Lines Comparison Site where many deals on the market can be found. With over 110 Insurance Companies on the platform.
For an instant quote Click Here
We are confident you will find the insurance policy that suits you AND save money and time.
If you need the help of an insurance broker, or have a complicated, non-standard insurance need, remember we are only a phone call away and will be happy to assist and work directly with you.