ULP are independent insurance brokers, working in our clients' best interest to structure the most comprehensive coverage at attractive premium levels. As we are not tied to any one insurer, we have the flexibility to negotiate the best possible terms with good quality insurers and offer choice to our clients.
With approaching 100 years in the world of insurance, our principals have a wealth of knowledge and experience and are well respected in their relevant fields of expertise.
One of our key strengths is the ability to understand your buisness and your requirements and to tailor an insurance programme to specifically meet your needs.
Our clients operate in a variety of commercial and professional sectors and we also have expertise in products relating to Charities and Non-Profit organisations.
We have compiled a list of the standard products that we offer but if you are not sure what you need or you require something not mentioned, then please contact us.
Business insurance is essential for any modern business, providing vital financial protection and peace of mind. We can advise on the right cover for you, which could include Material Damage for Buildings, Plant, Machinery, Stock and Office Equipment, Public and Employers' Liability, Business Interuption, Goods in Transit and any other specialist covers.
We can tailor cover to suit your specific needs. Whether a sole propietor tradesman or large contractor, we are able to assist. Annual policies usually include Liabilities plus typical extensions for Materials, Tools, Plant and Contractors All Risks. One-off covers can also be arranged for JCT and Contract Works.
Property Owners Insurance is essential cover if your business owns property to generate rental income, core covers being Buildings, Loss of Rent and Property Owners' Liability, plus additional covers such as Contents and Employers' Liability as part of a Comprehensive Policy.
Bespoke and flexible policies can be arranged to suit your individual needs. These could include Buildings, General Contents and Fixtures & Fittings, Business Interuption, Public and Employers' Liability, with additional trade covers such as Loss of Licence, Loss of Money, Fidelity and Legal Expenses.
Our experience in this sector means we source the best policy from a selection of providers. Core covers built in as standard with flexible sums insured on Buildings, Stock, Fixtures & Fittings. Liabilities, Loss of Money and Glass are usually included, with add on covers such as Goods in Transit or Legal Expenses being available.
These are more specialist motor covers, with fleet cover available for two or more vehicles including cars, vans, HGV’s and specialist vehicles. Motor traders with premises can cover their vehicle stock, tools, machinery and liabilities together with a range of road risks cover. Plus mini bus cover for businesses including private/public hire, schools and clubs with a scope of covers to suit all needs.
Company Directors and Officers have personal responsibilities, to employees, investors, regulators and other third parties, as well as personal liability for their actions while performing company duties. Bespoke cover can be arranged to suit your needs, but typically would include the legal costs incurred in defending an allegation or claim, compensation payments, regulatory fines and penalties.
Professional Indemnity Insurance provides invaluable protection against claims or allegations of negligence. This includes mistakes made in the course of your business and can be in the form of inadequate advice, service or design. Importantly, cover is also provided for legal costs in defending an allegation or claim.