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Business

Business Insurance Programmes

A coordinated programme covering the core insurable exposures of a trading business, structured around its actual operations.

What it covers

  • Property, business interruption and equipment cover
  • General and public liability
  • Employer obligations and workforce cover as required by law
  • Motor and fleet, cyber and specialist lines as needed

Commonly excluded

  • Uninsurable trading losses and ordinary commercial risk
  • Wear, gradual deterioration and maintenance
  • Known circumstances not disclosed at placement
  • Exclusions specific to each underlying policy

Eligibility

  • Registered trading entity
  • Acceptable activity, sites and claims history
  • Complete and accurate disclosure

How a claim works

  1. 01Single notification point for all lines in the programme
  2. 02We assist with documentation, adjuster liaison and tracking
  3. 03Progress reported to the client through to settlement

FAQ

Business Insurance Programmes questions

Practical answers on how this instrument behaves in a real transaction.

Important notice

Osford Risk Group is not an insurer, surety or guarantor. Descriptions on this page are illustrative and are not an offer of cover or a statement of what any policy will pay. Actual coverage, exclusions, limits, deductibles, premiums, eligibility and availability depend on the insurer or surety, the underwriting outcome, the wording of the issued policy, bond or guarantee, and the law of the relevant jurisdiction. Regulated activity is arranged through appropriately licensed partners.