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Welcome to Intasure for Business

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Intasure for business offers an extensive range of commercial insurance policies for businesses in The UK. We also cover Park homes and Static homes

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Surgery Insurance / Doctors Vets Dentist Health

Office insurance / Insurance for offices

Contract Cleaners insurance / Insurance for Cleaning Contractors

Shopkeepers - Retail Insurance / Insurance for Shops & Shopkeepers

Park Home Insurance / Insurance for park homes

Static home insurance / Insurance for static homes

Restaurant & Café insurance / Insurance for Restaurants & Cafés

Bar, Pub and Club insurance / Insurance for Bars, Pubs and Clubs

Contractors insurance / Insurance for contractors

Commercial property insurance / Insurance for Commercial Landlords in the UK

Landlords insurance / Insurance for Buy to lets - Landlords.

Take Away Insurance / Insurance for Take Aways

Hotels, Guest House and B&B insurance / Guest house, B&B & Hotel insurance.

Tradesman insurance / Insurance for tradesman

Intasure - Holiday Chalet / Cabin Iinsurance - Holiday Home Insurance UK and Abroad - UK Main Home Insurance - UK Listed Building Insurance - Buy to Let Landlords Insurance - Insurance for Blocks of Flats and Apartments

Surgery Insurance / Doctors Vets Dentist Health

Intasure for business provide a Surgery insurance Policy designed for Doctors and Healthcare professionals. We offer comprehensive cover and competitive premiums for a wide range of medical and health professions.

Intasure for business Surgery policy includes as standard Employers Liability insurance. This is essential cover to comply with the Employers Liability (Compulsory Insurance) Regulations 1998. Our limit of cover is £10,000,000.00. This protects you if a full time, part time, temporary, casual or work experience employee suffers death, bodily injury or disease while in the course of their employment with you. Certificates must be retained for possible inspection for at least 40 years after expiry. Completing Risk Assessments is a very important function in all industries and professions.

It is a requirement to keep a documentes result of your findings if you employ 5 or more employees. To aid you with this task the Health and Safety Executive HSE provide risk assessment examples to provide a guide to producing individual assessments. Similarly they produce a guide titled “5 Steps to Risk Assessment” www.hse.gov.uk/pubns/indg163.pdf along with a “Risk Assessment and Policy Template” It is important to perform a risk assessment and provide documentary proof that this process has been completed in case of an official investigation following bodily injury, disease or accidental death.

The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 1995 RIDDOR deals with an employers, self employed or persons in control of premises statutory duty to report work related deaths, major injuries, over three day injuries, work related diseases, dangerous occurrences (near miss accidents) to the Health and Safety Executive HSE. Incidents can be reported to the Incident Contact Centre ICC on 0845 300 9923 or by visiting the HSE website: www.hse.gov.uk/RIDDOR/online.htm


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Office insurance / Insurance for offices

Intasure for business provide an Office insurance Policy designed for an extensive range of occupations. We offer comprehensive cover and competitive premiums.

Intasure for business Office policy includes as standard Employers Liability insurance. This is essential cover to comply with the Employers Liability (Compulsory Insurance) Regulations 1998. Our limit of cover is £10,000,000.00. This protects you if a full time, part time, temporary, casual or work experience employee suffers death, bodily injury or disease while in the course of their employment with you. Certificates must be retained for possible inspection for at least 40 years after expiry.

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Contract Cleaners insurance / Insurance for Cleaning Contractors

Intasure for business provide a cleaning contractors insurance policy designed to cover all types of Commercial and residential cleaning contractor.

Intasure for business provide a specialist commercial insurance policy dedicated to the Cleaning Services Industry. The policy is underwritten at Lloyds of London. It is suitable for all classes of Cleaning Contractors from large nationwide companies to individual sole traders. The Cleaning Industry in the UK is estimated to be worth up to £6.5B per annum and employs an estimated 900,000.00 operatives. Of this figure Domestic Cleaners account for £2.8B per annum and as an industry employs approximately 200,000.00 people. Up to 1 in 7 UK households employ a domestic cleaner. The Cleaning and Hygiene industry in the UK serves a wide range of clients in both the commercial and residential markets.

Intasure for business offers a highly competitive and comprehensive policy aimed at the specific needs of this market. Examples of the clients we serve include office cleaning service contractors offering daily & weekly services, commercial cleaners, contract cleaners, school and college cleaners, retail cleaners, bar, restaurant and public house cleaners; health, gym and fitness club cleaners; hotel, nightclub, theatres and shopping centre cleaners; hospital and medical facility cleaners who need to comply with the NHS Healthcare Cleaning Manual; computer, PC and telephone sanitisation cleaners; one off, spring clean, deep clean, carpet clean, rug clean and builders cleaners; steam cleaners for soiled carpets, curtain and upholstery using high powered steam based extractor machines; hard surface cleaners using hot or cold water pressure washers for external areas such as drives, tennis courts, loading bays, delivery areas, workshops, stables, kennels, garages, forecourts, parking areas, drives, pavements, paths, steps and patios or terraces; reach and wash window cleaners; post function and commercial kitchen cleaners and of course residential cleaning contractors; hard floor maintenance contractors; blind cleaning; exterior cleaning; ground maintenance; call centre, charity, public sector cleaning and industrial cleaning; end of tenancy cleaning; window cleaning either by the traditional method or by reach and wash window cleaning equipment which eliminates the need for ladders and high access equipment.

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Shopkeepers - Retail Insurance / Insurance for Shops & Shopkeepers

Intasure for business provide a Shopkeepers & Retailors insurance policy designed for an extensive range of shops and retail premises. We offer comprehensive cover with competitive premiums.

The UK Retail Industry accounts for approximately 8% of UK Gross Domestic Product. Retail sales for 2008 were approximately £287 Billion which is forecast to rise to £312billion over the next 5 years (UK Retail Futures 2011: Sector Summary, Datamonitor). The retail industry as a whole is one of the UK’s largest business sectors employing over 2.8 million in 2008 which equates to 11% of the UK work force. However, employment in retailing is estimated to have fallen by over 70,000 in the last 5 years. In 2008 there were approximately 293,000 retail outlets in the UK. Little wonder the British were considered a nation of shopkeepers.

In the United States 24 million are employed in the retail sector distributed through 1.4 m retail establishments and shops. The future is both challenging and exciting. While e commerce still accounts for about 5% of total transactions this is forecast to rise along an increasingly upward trend. Many industry commentators forecast a spending slow down due to the influences of rising job insecurity, increasing interest rates, massive existing consumer debt, direct and indirect tax rises, static or falling house prices and decreasing customer optimism in the short term. Retailers and shopkeepers will need to maximise their cost savings in various areas to enable them to compete.

One fixed cost which can easily be addressed is the cost of insurance cover to the business. Quotedesk offer a Shopkeepers and Retailers insurance policy which will help drive down costs in this crucial area without sacrificing levels of cover. The UK Retail Industry is composed of a variety of sectors of which Shopkeepers form a large part. Along with traditional retail shops there is an increasing trend towards other forms of retail. E Commerce or online retailing is very significant. There are also retail mediums known as Non Store Retailing which include Mail Order, Paper and electronic catalogues or Delivery Commerce, Television Shopping Channels, Automatic Merchandising or Vending Machines, Direct Retailing such as door to door sales and house party sales, Portable stalls or Market stalls.

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Park Home Insurance / Insurance for park homes

Intasure for businessprovide a park home insurance policy designed for all types of Park home. We offer comprehensive cover with competitive premiums.

Park homes are prefabricated homes built in factories, rather than on site, and then taken to the place where they will be occupied. They are usually transported by trailer over public roads to park home sites which are often in rural areas or high-density developments. While these homes are usually placed in one location and left there permanently, they do retain the ability to be moved as this is a requirement in many areas. Behind the cosmetic work fitted at installation to hide the base, there are strong frames The generic term “Park Home” refers to a mobile home which is used for residential purposes.

A Park Home is a prefabricated unit which means it is manufactured off site and then delivered by the manufacturer and sited in its final position on site. Usually, a Park Home is situated on a Park Site rather than on private land as a stand alone dwelling. There are hundreds of recognised Park Home sites in the UK. Information on the majority of these sites is contained in industry specific publications such as the “Residential Home Parks” Directory published by the “British Holiday & Home Parks Association” (BH&HPA). A residential Park Home site is legally obliged to have a current recognised site licence as required under the “Caravan Sites and Control of Development Act” 1960. A great deal of useful legal information regarding Park Homes and Park Home Sites can be viewed by visiting the Department of Communities and Government web site. More information at the Quotedesk site

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Static home insurance / Insurance for static homes

Intasure for business provide a Static home insurance policy designed to cover all types of static caravan in The UK & overseas. We offer comprehensive insurance cover and competitive premiums for your Static home

The Static home or static caravan industry contributes a significant amount to the UK leisure industry. Figures collated by national agencies indicate that 20% of all recorded leisure breaks in the UK in 2008 were accounted for by the Parks industry. This compares with 28% of recorded leisure breaks in the Hotel and Guesthouse sector. Of that 20% figure 16 million bed nights can be attributed to Static Home holiday lets and 16.6 million bed nights to Static Home owner stays. Similarly, 3.2 million trips were taken by holidaymakers to Static Homes in the UK and 3.7 million trips were taken by Static Home owners (United Kingdom Tourist Statistics 2008).

Within the UK there are approximately 4000 individual static and touring caravan parks. Information on the majority of these sites is contained in industry specific publications such as the "Holiday Parks Guide” published by the "British Holiday & Home Parks Association" (BH&HPA) who are Britain’s largest independent park organisation. They also produce a guide on award winning “eco-friendly” parks in the UK in line with the current trends towards sustainability. Retail prices for a brand new Static Home or Static Caravan start from about £13,000.00 for a starter model to over £50,000.00 for a more luxurious model with an average mid range Static Home retailing at £25,000.00.

While many modern units are built to BS3632 standards this is not a requirement and many Static models confirm to the lesser BS EN 1647 standards. BS3622 sets down detailed requirements regarding stability and structural integrity, weather resistance, adequate ventilation, drainage and sanitation, adequate means of escape, satisfactory thermal & sound insulation, the safe installation of electrical services and gas / oil fired installations and windows and doors. BSEN1647 is less rigorous with units built to this lesser standard not designed to be inhabited over the colder winter months. More information

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Restaurant & Café insurance / Insurance for Restaurants & Cafés

Intasure for business provide a Restaurant and Café insurance policy designed for all types of food establishment. We offer comprehensive cover with competitive premiums.

Inns and restaurants dedicated to the serving of foods or victuals began to emerge in the UK in the 1700’s at the onset of the Industrial revolution. These early restaurants developed from the long history of Inns and Taverns but were distinguished by their emphasis on providing meals and refreshment rather than accommodation.

Restaurants or inn type accommodation has been developing since Greek times. A notable mention can be found in the biblical account of the Nativity story. However, it was in Roman Britain that a familiar pattern of inns and lodgings, the early forerunner of the restaurants and food establishments we recognise today, began to develop. These early Inns opened alongside newly built Roman roads and within the main towns. Their purpose was to provide accommodation and lodgings for Roman officials on state visits. Their main function was accommodation rather than food. However, after the decline of the Roman Empire and the onset of the Dark Ages the need for Inn or Restaurant type accommodation declined. Travel was restricted mainly to the small minority embarking on religious pilgrimages.

Nevertheless, Hotel and Board and Lodgings style accommodation did continue to develop alongside the growth of the Abbeys. These provided basic accommodation alongside the main roads, in towns or close to the Abbeys. Continuing the religious theme, many private Inns, the forerunner of today’s restaurants and hotels, developed along pilgrimage routes. England’s oldest Inn is “The Trip to Jerusalem” in Nottingham. It dates from 1189 and is so called as it served as the meeting place for Crusaders prior to their long journey to Jerusalem with Richard the First (Lionheart). Other early private Inns include the George (1395) at Norton St Philip in Somerset, the Spread Eagle (1430) at Midhurst in Sussex and the Mermaid (early 1500’s) at Rye. More information

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Bar, Pub and Club insurance / Insurance for Bars, Pubs and Clubs

Intasure for business provide a Pub, Bar and Club insurance policy designed to cover all types of licensed premises. We offer comprehensive cover with competitive premiums.

Within the UK drinks industry there are presently around 53,000 public houses and bars. The overall figure is declining at a rate of about 36 bars and pubs a week due to various economic and social factors. However, the drinks industry has adapted to challenging forces throughout its long history and will undoubtedly rise to the challenge again.

The UK alcohol industry accounts for the livelihoods of over 600,000 people and is estimated to generate a total annual turnover of £28B. It is a leading export industry as well as an important domestic industry. Up to 90% of the beer consumed in the UK is produced by the domestic market rather than imported. Each week 15m of the UK population still visit a Pub, Bar or other establishment serving alcohol. Of the 53,000 pubs in the UK 80% now serve food along with traditional bar snacks. This equates to 1.1B pub meals sold each year.

The increasing influence of food is an indication of how the public house industry is evolving to reflect changing customer needs and expectations. The main function of Public Houses and Bars is the sale and supervised consumption of alcoholic beverages. They market a wide range of traditional beers, keg beers, real ale and cask ales, lagers, ciders, stouts, wines, fortified wines, spirits, alcopops, soft drinks, coffee and tea. More information

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Contractors insurance / Insurance for contractors

Intasure for business provide a contractors insurance policy designed for an extensive range of contractors. If offers comprehensive cover with competitive premiums

Intasure for business can insure all types of Contractor from sole traders to multi-employee business's. Quotedesk's Contractors policy includes cover for employers liabilty £10,000,000 & public liability £5,000,000 as standard. We appreciate that at certain times of the year the work undertaken by larger contractors can vary, therefore our policy is flexible to cater for any changes in the amount of work or tpye of work being undertaken. Quotes can be otained for contractors with wage rolls in excess of £5,000,000 which means we can also accommodate the larger contractors. All quotes are offered with out standard terms and conditions. However these are flexible and can be discussed with our underwriters.

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Commercial property insurance / Insurance for Commercial Landlords in the UK

Intasure for business provide a commercial property owners insurance policy designed for commercial landlords. The policy offers comprehensive cover and competitive premiums.

Intasure for business commercial property owners insurance policy covers an extensive range of tenants including: shops, offices, restaurants, manufacturers, processing risks, leisure risks, wholesale warehouses, religious properties, take-aways, pubs, and much much more. To make things simple, there is no postcode rating so no matter where the risk is located the quotation will remain at the same rate.

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Landlords insurance / Insurance for Buy to lets - Landlords

Intasure for business provide a property owners insurance policy for residential landlords. We provide a comprehensive range of cover with competitive premiums.

The Landlords let property market in the UK has enjoyed tremendous growth over the last 20 years. It has been fuelled by various factors: low interest rates; the availability of specific landlords or buy to let mortgages on the high street; high rental yields compared to traditional forms of savings and investments offered by the banks or via the Stock Market; and low pension and annuity returns. These factors have helped fuel a phenomenal growth in property prices in the UK since the early nineties. Against this background, buy to let and second home ownership has become a sought after and fashionable investment opportunity.

There are a large number of organisations which can assist the Landlord in managing their individual property or their portfolio of properties. Helpful and practical advice can be sourced via the internet from the Residential Landlords Association rla.org.uk and residential landlord.co.uk . The main professional body which represents letting agents is the Association of Residential Letting Agents ARLA www.arla.co.uk. On the ARLA website you can view a great deal of very useful information aimed at Landlords and Tenants. There is also an informative section on the Buy to Let property market.

There has been a huge opportunity in the second home market to generate additional income or to operate a successful business . Second Homes or Buy to let properties are made up of a diverse range of property: Cottages, traditional and modern Houses and Bungalows, Flats, Static Homes or Static Caravans on holiday home sites, Log Cabins, Chalets, Lodges, Park Homes, Listed Buildings and unusual properties such as converted Windmills, Lighthouses or Castles. Quote Desk offers specific insurance policies for most properties and one of our great strengths lies in our strong relationship with Lloyds of London, the most established insurance market place in the world. This means we can be flexible and consider non standard types of construction.

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Take Away Insurance / Insurance for Take Aways

Intasure for business provide a Take away insurance policy designed to cover an extensive range of take away establishments. We offer comprehensive cover with competitive premiums.

Take away Insurance It is important to choose a commercial insurance policy dedicated to the hospitality industry with underwriters experienced in the specifics of restaurant and take away operations. The value of commercial catering equipment is very high and it is important not to underinsure one of your most important assets.

The types of catering equipment we would expect to insure in a take away, fast food or restaurant environment may include combinations of the following: Kitchen Extractors, Extractor Canopies, Interlock Systems, Counter top fryers, Twin Basket heavy duty fryers, Single Basket heavy duty Fryers, Electric and Gas Bratt pans, Table Top Gas Griddles, Bain Maries, Rotisseries, Convection ovens, Combination ovens, Table top griddles, Combination Microwaves, Gas Charcoal Grills, Heavy duty tilting or gas jacket boiling Kettles, Induction Wok Cookers, Pan Counter Fish & Chip Range, Rice Cooker, Steamers, Crepe Makers, Blast Chillers, Bake Off Ovens, Jacket Potato Ovens, Electric Solid Top and Range Ovens, Salamanders, Pizza Ovens, Ice Machines, Commercial Freezers & Fridges including bench units, display and walk in fridges and freezers, Chilled Food Display units, Saladettes, Prep Tables, Pot Washers, Glass Washers, Heavy Duty Dishwashers, Waste Disposal Units, Gas Kebab Grills, Potato Ovens, Dough Mixers, Heated Display Unit, Chip Scuttles, Hot Cupboards, Serve Overs and Servery, Plate Warming Hot Cupboards, Heavy Duty Mixers, Potato Peelers or Rumblers, Coffee Machines including Bean to Cup Coffee Brewers and Cappucino Makers, Soup Kettles, Food dispensing items such as foil take away trays, plastic take away tubs and containers, hot food boxes and chip scoops, Jacket Potato Boxes and Burger and Chip Containers.

Traditionally, take away establishments served the walk in trade and telephone sales. However, the internet is playing an increasingly important role in the marketing of take away restaurants and fast food outlets. Enterprising web based companies such as www.justeat.co.uk operate a membership and sales site for take away providers in the UK and Europe. At present they list 8000 take away restaurants and 750,000 consumer reviews. They attract approximately 1.5m visits per month

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Hotels, Guest House and B&B insurance / Guest house, B&B & Hotel insurance.

Intasure for business provides a Hotel, Guest House and Bed & Breakfast insurance policy designed for an extensive range of hospitality providers. We offer Comprehensive cover and competitive premiums for your Hotel insurance.

The Hotel industry in the UK and overseas has undergone many changes and developments during its long history. While we may assume that hotel or inn type accommodation has been developing since Greek times and figures prominently in the Bible during the Nativity Story it was in Roman Britain that a familiar pattern of inns and lodgings, the early forerunner of the Hotels we recognise today developed. These opened alongside the newly built Roman roads and within the main towns to service Roman officials on state visits – the beginning of business travel and tourism no less. However, after the decline of the Roman Empire and the onset of the Dark Ages the need for hotel or inn type accommodation declined. Travel was restricted mainly to those embarking on religious pilgrimages.

Hotel style accommodation developed hand in hand with the development of the Abbeys which provided spartan accommodation along the main roads, in towns or close to Abbeys. Many private Inns, the forerunner of today’s hotels, developed along pilgrimage routes. England’s oldest Inn is called “The Trip to Jerusalem” in Nottingham. It dates from 1189 and is so called as it served as the meeting place for Crusaders prior to their long journey to Jerusalem with Richard the First (Lionheart). Other early private Inns include the George (1395) at Norton St Philip in Somerset, the Spread Eagle (1430) at Midhurst in Sussex and the Mermaid (early 1500’s) at Rye. The next major stage of Hotel development took place during the 16C & 17C with the development of the Coaching Inn or Hotel which grew in size alongside the development of commerce. The coaching Inns served as a resting place for the embryonic postal service and the stagecoach system much as today’s coaching Hotels do.

However, the Hotel industry as we recognise it today look a giant leap forward during the Napoleonic Wars in the 19C. Hotel accommodation was developed by private entrepreneurs providing accommodation for Officers on leave. Coupled with this was the rapid growth of the Industrial Revolution in the UK and the development of the railway system which brought travel within reach of the general population and also facilitated business travel. The great Railway Hotels developed during this period such as St Pancreas Hotel, Victoria Station Hotel, Charing Cross Hotel and the Great Eastern Hotel. This railway network also propelled the early growth of the leisure and tourism industry with Hotel accommodation developing in the Spa towns which travellers would visit for health reasons. Hotels now began their relentless aspirational march providing goods and services at different levels for different segments of the population. Class had entered the hospitality industry.

In 1837 there were 396 recorded Inns, Hotels and Taverns in London alone and 34 private guest houses. Not many by today’s standards. But during this period we start to see the appearance of many famous Hotel names which we still regognise today: Cavendish Hotel (late 1700’s), Browns Hotel (1877), Durrants Hotel (1790), Claridges Hotel (1853), Great Northern Hotel (1854), Grosvenor Hotel (1861), Langham Hotel (1865), Charing Cross Hotel (1865), Royal Horseguards Hotel (1884), Savoy Hotel (1889), Cadogan Hotel (1895), Connaught Hotel (1897), Hotel Russell (1898) and the Landmark Hotel (1899).

Today there are well over 1200 Hotels , Bed & breakfast establishments and guesthouses in London. The late 20C has seen the massive growth in chain Hotels and budget Hotels. Familiar names such as Premier Inn, Holiday Inn Express, Ibis, Travelodge, Hilton, Radisson, Marriott and easy.hotel.com are all around us. Indeed, approximately 70% of all rooms in London Hotels are accounted for by the chain hotels.

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Tradesman insurance / Insurance for tradesman

Intasure for business provide a tradesman insurance policy designed to cover an extensive range of trades

General Tradesman insurance: Our tradesman policy can cater for self employed tradesman or Trade businesses with up to 10 manual employees. The maximum number of 10 manual employees does not include clerical employees. Therefore if a business has 10 manual employees and 2 clerical employees it is still suitable for our policy. Cover is available for a wide range of trades and automatically includes cover for temporary staff up to 50 man days in any period of insurance. Our tradesman policy provides Public Liability cover as standard and has a wide range of optional extensions available to enable you to arrange cover according to your specific needs.

Public Liability Quotedesk’s tradesman policy includes automatic Public Liability cover of £1,000,000.00 which can be extended up to £5,000,000.00 if required. It covers your legal liability for accidental injury to any person, loss or damage to property and trespass /nuisance. Additional cover includes liability in relation to prosecution under the Health and Safety at Work Act 1974, the Consumer Protection Act 1987 (Part 11), the Food Safety Act 1990 (Part 11), compensation under the Data Protection Act 1998 and the Defective Premises Act 1972. Unexpected and unforseen pollution is also covered.

Employers Liability Quotedesk’s tradesman policy can include Employees Liability cover of £10,000,000.00. This is essential cover to comply with the Employers Liability (Compulsory Insurance) Regulations 1998. Our limit of cover is £10,000,000.00. This protects you if a full time, part time, temporary, casual or work experience employee suffers death, bodily injury or disease while in the course of their employment with you. Certificates must be retained for possible inspection for at least 40 years after expiry. The tradesman policy includes additional cover effective in relation to prosecution for a breach under the Health and Safety at Work Act 1974. It also included cover for injury to working partners.

Own Plant, Tools & Equipment Covers constructional plant, machinery, tools of trade, equipment, site huts or site caravans (including caravan contents).

Stock Includes automatic cover for tradesman’s business stock.

Personal Tools Covers portable tools and equipment including portable electronic trade equipment.

Hired in Plant Includes automatic cover for constructional machinery, tools, equipment, site huts or site caravans and continuing hire charges.

Contract Works Automatic cover for up to £500,000.00 contract works. Optional All Risks cover available, Includes cover for permanent or temporary works carried out under a contract or development plus cover for tradesman’s materials on or next to the contract site or while in transit. An escalator clause is included which increases contract sum insured by 20%. Includes cover for show homes and speculative building.

Personal Accident Automatic cover for death, loss of sight, loss of limb, permanent total disability and temporary total disability

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Intasure for business is a trading name of Blenheim Park Ltd, Registered in England with Company Number 4990061 Authorised and Regulated by The Financial Services Authority - FSA, registered number 311572

 

Intasure Insurance Products insurance that speaks your language

Intasure is a trading name of Blenheim Park Ltd, Registered in England with Company Number 4990061. Authorised and Regulated by The Financial Conduct Authority - FCA registered number 311572

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August 2010: Quotedesk business insurance now available on jml Insurance sites


 

 

 

 

 

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