BAPIA – Business Insurance

As a BAPIA member you will already benefit from a range of benefits including Public and Products Liability, Professional Indemnity and Legal Expenses cover for activities as described on your BAPIA membership documentation.

Providing you are a current BAPIA member we can offer a specially designed product to protect other elements of your business without doubling up on the liability cover you already have in place through your BAPIA membership.

By filling in the below form you agree to our terms of business.

Your Details:

Name:*

Put the full names of all business partners

Please enter your name

Business Name, please state if Limited:*

Please enter your Business Name

Address:*

Please enter your address

Postcode:*

Please enter your post code

Telephone:*

Please enter your telephone number

Email Address:*

Please enter a valid email address

When would you like cover to begin:*

Please enter date for cover to begin

What year was your business established?*

Please enter the year your business was established

Description of the trade:*

Please enter the description of your trade

Name of current insurer:

Cover Required:

BRONZE
Includes:
£5,000 – Contents
£10,000 – Stock
£2,500 - Equipment away from the premises including on hire unattended (UK)
£1,000 – Money
£50,000 - Business Interruption 12 months indemnity period

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SILVER
Includes:
£10,000 – Contents
£25,000 – Stock
£2,500 - Equipment away from the premises including on hire unattended (UK)
£2,000 – Money
£100,000 - Business Interruption 12 months indemnity period

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GOLD
Includes:
£15,000 – Contents
£50,000 – Stock
£5,000 - Equipment away from the premises including on hire unattended (UK)
£5,000 – Money
£150,000 - Business Interruption 12 months indemnity period

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PLATINUM
For larger organisations that need cover more tailored to meet their requirements, please select this option. One of our advisors will then contact you to arrange for a bespoke quotation to be created around your specific requirements but still benefitting from BAPIA member discounts and enhancements.

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“Micro Business – Silver Option”
£4,000 cover for business equipment/stock (£1000 of which can be covered while on hire or in use or in transit anywhere in the UK)

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“Micro Business – Gold Option”
£10,000 cover for business equipment/stock (£3000 of which can be covered while on hire or in use or in transit anywhere in the UK)

Please select a level of cover

About the Premises:

Are the premises fully occupied Please select... Yes No

Please choose from the menu

The proposer is the sole occupant of all premises to be insured
or
The portion of any building occupied by the proposer can be separately locked to prevent access: Please select... Yes No

Please choose from the menu

Every premises to be insured is constructed of brick, stone or concrete, profiled metal on a steel frame, roofed with slate, concrete, tile, metal or asbestos with no more than 25% other materials: Please select... Yes No

Please choose from the menu

Is the premises occupied overnight by the Proposer or a family member or employee of the Proposer? Please select... Yes No

Please choose from the menu

Is the premises within a covered and locked shopping centre or mall that is patrolled by security guards outside business hours? Please select... Yes No

Please choose from the menu

Is the shop front fitted with shutters or grilles? Please select... Yes No

Please choose from the menu

Are bars fitted to all easily accessible rear and side windows? Please select... Yes No

Please choose from the menu

Is the premises protected by an intruder alarm? Please select... Yes No

Please choose from the menu

About you and your business*

Please check all relevant boxes

You or your directors or partners involved with your business or any other company or business have not been declined business insurance or had a policy cancelled, withdrawn or offered on increased terms:

You or your directors or partners involved with your business or any other company or business have not been convicted or have a prosecution pending for a criminal offence (other than a minor motor offence):

You or your directors or partners involved with your business or any other company or business have not been declared bankrupt or have not satisfied County Court judgement:

You or your directors or partners involved with your business or any other company or business have not made any claims against a business insurance policy:

There are no other business activities other than those stated on your most recent Bapia Membership Confirmation of Cover document:

All work is carried out in the United Kingdom or Europe and the business is based in the United Kingdom:

You will have an active BAPIA membership when this policy commences and throughout its duration:

I/We recognise that the policy will be offered on a “minimum and deposit” basis in respect of liability cover, meaning there will be NO return premium if cancelled mid term.

A premium cannot be given online due to the following reason(s):

One or more checkboxes were not ticked.

The cover requested is PLATINUM.

Are the premises fully occupied was answered “No”.

The proposer is the sole occupant of all premises to be insured
or
The portion of any building occupied by the proposer can be separately locked to prevent access was answsered “No”.

Every premises to be insured is constructed of brick, stone or concrete, profiled metal on a steel frame, roofed with slate, concrete, tile, metal or asbestos with no more than 25% other materials was answered as “No”.

TOTAL £

Bronze - £135.00 – inclusive of insurance premium tax and our £35.00 broker fee – Cover is with Pen Underwriting and Covea Insurance.

Silver - £185.00 – inclusive of insurance premium tax and our £35.00 broker fee – Cover is with Pen Underwriting and Covea Insurance.

Gold - £260.00 – inclusive of insurance premium tax and our £35.00 broker fee – Cover is with Pen Underwriting and Covea Insurance.

Platinum – one of our advisors will contact you within the next 24 hours to discuss your precise insurance requirements.

“Micro Business – Silver Option” - £60.00 including our £25.00 broker fee. £4,000 cover for business equipment/stock (£1000 of which can be covered while on hire or in use or in transit anywhere in the UK).

“Micro Business – Gold Option” - £80.00 including our £25.00 broker fee. £10,000 cover for business equipment/stock (£3000 of which can be covered while on hire or in use or in transit anywhere in the UK).

Thankyou for submitting your details.

There are errors in your details please update as requested.

We collect and use relevant information about you to provide you with your insurance, and to meet our legal obligations. This includes your personal and contact details, and may also include more sensitive information, for example, about any criminal convictions you may have. The way insurance works means that your information may be shared with, and used by, a number of 3rd parties in the insurance sector, including insurers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies, and compulsory insurance databases. We will only disclose your personal information in connection with the insurance that we provide and to the extent required or permitted by law. For more information, please see our privacy policy.

As this is a non-advised insurance indication it is not contractually binding. We will respond with our confirmed terms within 24 hours. However, if you require a full quotation more urgently please contact us on 01795 580800. Please make sure you read all the policy documents so that you are fully informed of the cover available to you. This indication is through one of our exclusive facility insurers (the policy wordings are attached for your records) however we do offer business insurance via several different insurers and we will check our panel with your details and deliver a confirmed quotation with our recommended insurer, this may not be those selected as per this indication. Upon delivery of our quotation we may recommend additional optional products or policies.

An example of the cover provided is stated on the downloadable documents below, including policy wordings and specific endorsements or conditions which may apply.