Vital Support For SME’s

Essential protection specifically designed for SMEs. This product provides multiple vital covers in one simple, affordable policy.

Budgets are often tight for small businesses. Yet this package’s price point offers exceptional value. The protection it delivers should be viewed as essential, hence the name.

Business Assist comprises the following core covers. Scroll down to read further details on each section.

  • Directors & Officers
  • Commercial Legal Expenses
  • Business Emergency Assistance
  • Legal Document Library
  • Health & Safety and Risk Management Consultancy
  • Online Health & Safety Training Courses

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.

what does plan essentials cover?

Directors & Officers

If something was to go wrong with the business directors and senior staff can be held personally liable. Inadequate health & safety procedures, cases of negligence, regulatory actions, sex discrimination and defamation are just a few examples.

D & O cover protects your personal wealth as well as your business. We recommend putting this safeguard in place.

Commercial Legal Expenses

Tax disputes, property issues, contract conflicts, compliance complaints, regulatory disagreements, debt recovery and employee actions are all matters that could end in legal wrangling. If you’re in the right, why back down rather than fight your corner?

Insurance is provided to cover your business against the threat of costly legal battles. Your firm will also gain use of a 24-hour, 365-day legal counsel helpline and a tax guidance phone service.

Business Emergency Assistance

Don’t let an emergency hinder your operation. Interruptions can cause expensive down time. Get your business back up and running swiftly.

Have a quick, simple solution in the middle of an emergency. Amongst other examples you’ll be covered if your business experiences: a heating system breakdown, plumbing problems, blocked drains, damaged locks, smashed windows, lost keys, power failures, vermin infestations, fallen trees or fly-tipping access issues.

Should an emergency occur, a trusted contact will be at hand to help. Have access to a 24/7 emergency phone line with contractors ready to assist within 2 hours. Cover is included up to £500 to fulfil repairs with unlimited call outs per year.

Emergencies can expose your premises to theft, damage to your contents, create health and safety risks and hinder your operation. Avoid those problems with a single call.

Legal Document Library

Avoid costly solicitor fees and legal consultations. Your business will have access legal support and an online library of over 200 document templates at any time.

Tailor made: employment contracts, disciplinary and dismissal letters, terms of business for sales, debt recovery chasers, non-disclosure agreements and more can all be created. Simply follow a series of interactive questions.

Access to a searchable plain English law guide is also included. Helping you to easily find what your firm needs to know. If you’re still uncertain, a “live” service option offers a document review by a qualified expert.

Health & Safety and Risk Management Consultancy

Do your Health & Safety policies and procedures stand up to scrutiny? Have access to expert Health & Safety consultancy services to bring reassurance to your operation.

In 2013 Health & Safety Executive introduction its “Fee For Intervention” policy. Businesses can expect proactive inspections and more reactive responses to accidents and general allegations of policy breach.

Not only might the HSE bring a holt to your operation whilst an inspection takes place. In the event of a fatal accident, you might need to convince a jury that you had taken all reasonable measures.

Benefit from a full H & S assessment followed by the drafting of a Health & Safety policy. This online portal also comes with a free access to an “ask the expert” service.

Additionally, this resource can assist with crucial risk management tasks. It will help identify threats and put in place the appropriate measures. Proactive business continuity planning for a disastrous event or establishing an effective system to manage driving risks are just two worthwhile examples.

Online Health & Safety Training Courses

For small additional fee your Business Essential policy can also provide access for up to a 100 staff to engage with a host of professionally accredited H & S Courses.

These courses are approved by relevant bodies such as Royal Society for the Prevention of Accidents, CPD Standards Office and the National Skills Academy. As a result, they can supply credits towards current NVQ qualification training.

These e-Learning courses are a cost effective solution to your health and safety training needs. Perfect for any business that struggles to get employees together in one room for classroom based learning.

Learning is easy, enjoyable and effective. Supply the practical information your staff need to deal with typical H & S issues encountered in their daily work. Whilst time efficiently meeting your H & S compliance requirements.

Available courses include: Accident Reporting, Asbestos Management, Fire Safety, Health & Safety Management, Manual Handling, Risk Assessment, Confined Spaces, First Aid, Working at Height, Chemical Safety (CoSHH), Fire Safety, Risk Assessment.

Important Eligibility Criteria

Business Essentials is a supplementary product that must attach to the sale of another commercial insurance policy. It is available to Limited Companies, LLP’s and Sole Traders with turnovers under £3 million. Certain business sectors and trades are excluded.

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