Whether you are responsible for the insurance of a Heritage building or for an Art collection, you will need to be insured with a specialist insurer who has experience of the unique risks and methods of ensuring that the risks are insured for the correct sums insured and on the right basis.
We have been working in this sector for over 45 years and have developed relationships with insurers who have a specialist knowledge of this sector.
Whether you are responsible for the insurance of a Heritage building or for an Art collection, you will need to be insured with a specialist insurer who has experience of the unique risks and methods of ensuring that the risks are insured for the correct sums insured and on the right basis.
We have been working in this sector for over 45 years and have developed relationships with insurers who have a specialist knowledge of this sector.
Property Damage • ‘All Risks’ cover for
Art and Antiques including exhibits which can be insured on the basis of up to date valuations
Business Interruption
‘All Risks’ cover should be considered with possible extensions for
Loss of Licence
Covers your loss of revenue or the depreciation of your financial interest in the premises following the withdrawal of the certificate or licence including Wedding licences or Premises licences.
Public/ Products Liability Insurance If someone is accidentally injured on your premises, or if their property is accidentally damaged due to your business’ activities or because of the products you supplied, your business could be responsible by law. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business.
Employers’ liability is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business.
Hirers Liability provides protection to third party hirers who may hire out your premises for events
Professional Indemnity is a form of liability insurance that covers your legal liabilities in the event of a third party taking legal action against you, claiming to have suffered a loss as a result of advice that you have given in a professional capacity.
Directors and Officers Liability covers the cost of compensation claims against the Directors and Key Managers (officers) of the business for alleged wrongful acts.
Trustees and Management Liability covers trustees from having to personally pay legal claims that are made against them (by their charity or by a third party), for a breach of trust, or a breach of duty or negligence committed by them in their capacity as trustees
Fidelity Guarantee
Fidelity cover protecting you against theft by your employees or volunteers
Reputational Risks
Cover for damage to the organisation’s reputation including
Legal Expenses to cover legal costs and expenses including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, employment compensation awards for a wide range of legal issues.
Money
The cover needs to be flexible with the ability to increase limits before and after a fund-raising event for example. It should also look to cover losses due to the dishonesty of directors, trustees and employees.
Terrorism
Cover for property damage or business interruption as the result of a terrorist act.
Goods In Transit Cover
Cover for accidental damage to your goods whilst in transit by
Cyber Liability and Crime
This cover is there to protect your organisation against Cyber Crime. if you rely on technology to operate effectively you run the risk of a data breach or a virus. Criminals will look to exploit any organisation with weak cyber security. Cyber insurance cover is available for the ever increasing risks of cyber exposures, ranging from hacking or viruses, cyber crime/fraud through to social engineering and software ransom.
To discuss any aspect of your insurance requirements with us, please contact us and one of our dedicated Account Executives will be in touch to assist you further.
R.K. Henshall © 2024
R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Written quotations, policy terms, conditions and exclusions are available on request.
Company Secretary: A.Brown FCCA. Registered No. 01285024
R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.
