Business Package

Why choose NIG for Business Package?

Introductory no claims discount available at new business.
Over 1000 acceptable trades including pub, restaurant and hotel.
No claims discount available at new business and renewal.
Straightforward online question sets, no auto-survey requirement.
Standard excess of £250 for material damage with £100 or £500 options available. (NB the minimum Excess for Escape of Water is £500).
Can cover up to 3 premises.
Wording designed specifically for Manufacturers and Wholesalers with numerous policy extensions.
Flexible range of Covers.
Includes Engineering Breakdown cover as standard. Providing up to £250,000 for Computer Equipment, a maximum of £15,000 for Frozen or Chilled Foods and up to £5,000 for other Perishable Goods.
Free-format Business Description field (subject to referral).
Option to add Legal Expenses up to £150,000.
The Stock in Trade sum insured is extended to include a 25% or £500,000 (whichever is the lower) seasonal increase during November, December and 15 days before and after Bank Holidays (other than those Bank Holidays in December).
Advice lines for health and medical assistance, business emergency assistance and legal advice.

Cover	Maximum Limits
Material Damage - Contents & Stock*	£5,000,000 per location
Engineering - Equipment Breakdown	£5,000,000 per accident
Engineering - Computer Breakdown	£250,000
Engineering - Deterioration of Stock	£15,000

Cover	Maximum Limits
Material Damage - Buildings & Tenants Improvements	£5,000,000 per location
Electronic Business Machines	£1,000,000 per location
Business Interruption - Gross Profit	£5,000,000 / 36 months
Business Interruption - Book Debts	£1,000,000
Public / Products Liability	£10,000,000
Employers' Liability	£10,000,000
Specified All Risks	£1,000,000 upon referral
Fidelity Guarantee	£250,000
Legal Expenses	£150,000
Terrorism	Available
Goods in Transit - Vehicle Load Limit (Minimum limit available is £2,000)	£50,000
Money - In Transit (Minimum limit available is £2,000)	£12,000
PA (Assault) - Death and Permanent Disablement **	£10,000

* Must insure Contents or Stock

** Included automatically when money cover selected

This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.