General accident is a group of smaller, specific covers that sit outside property, marine and liability but come up in most commercial programmes.
- Money in transit, on premises during business hours, and in a locked safe overnight
- Fidelity guarantee for loss of cash or stock through fraud or dishonesty by named or unnamed employees
- Plate glass for shopfronts, facades and internal partitions, including boarding up
- Group travel for employees on business trips, on an annual multi-trip basis
- Limits set per carrying, per safe and per event rather than one blanket figure
Each of these covers turns on procedure: how many people carry cash, how a safe is keyed, how discrepancies are reconciled. Insurers will ask, and the answers change both the rate and the conditions attached.
What this covers
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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