Employee Dishonesty covers loss of money or other property owned by you, as a result of any acts of fraud or dishonesty committed by your employees for a limit of £25,000.

Personal Accident covers you and your employees (up to the age of 75) for accidental bodily injury resulting from death, permanent or temporary disablement. Up to 10 units of cover may be purchased - one unit of cover represents:

£5000 death; loss of sight hearing speech or limbs; or permanent total disablement from pursuing any occupation

£50 per week temporary total disablement preventing pursuit of normal occupation
£25 per week temporary partial disablement preventing pursuit of part of your normal occupation

Buildings or Tenants Improvements Insurance offers cover for the full rebuilding costs following a loss if you own the property. If you rent or lease your premises, the full costs of reinstating all of the improvements that you have made to the building.

Frozen Food - covers deterioration of food following the breakdown of refrigeration units up to 10 years old or accidental failure of the public electricity supply up to £5000 per freezer.

Loss of Licence - covers the reduction in the value of your interest in the premises or the business as a result of non-renewal or withdrawal of your licence from causes beyond your control.

Terrorism - cover is available for premises in England, Scotland and Wales, including losses from chemical, biological and nuclear acts of terrorism which results in physical damage to property.