Alarm & Security Companies

Insurance from Rowlands & Hames.

Alarm & Security Companies

Specialist policies are widely available for those firms in the security industry, from alarm installation companies through to providers of security and door staff.

Policies provide not only the usual property, revenue and the employers and public/products liability exposures, but also often include financial loss, professional indemnity, in-efficacy (failure to perform), equipment all risks on site, hired-in plant, abuse of telephones and loss of keys etc.

Speak to a Corporate Account Manager to discuss your requirements.

Fish-Guard: a dedicated insurance scheme for fish processors and fish wholesalers.

Rowlands & Hames are the North West representatives for the Fish-Guard scheme. We have a team of experienced specialists who fully understand the risks and pressures faced by businesses in the fish sector and who are ready and waiting to help you.

There are many benefits to this scheme including, but not limited to, the following:

  • Local Service from your Local Broker
  • A comprehensive Insurance policy specifically for YOU.
  • You will benefit from Comprehensive All Risks Cover
  • The National Scheme for Fish Wholesalers and Processors
  • Scheme established over 25 years
  • You will benefit from Competitive Premiums
  • Full Theft Cover
  • High Levels of Cover for Refrigerated Stock
  • 24 hour Claims HELPLINE
  • Your own Dedicated Scheme Loss Adjuster
  • Health and Safety and Risk Management Advice

Rowlands & Hames and Fish-Guard working together for the benefit of fish wholesalers and processors in the North West.

Quotations

To discuss your requirements and obtain a quotation, please contact one of our specialists:

Paul A R Willis Bsc (Hons), Cert CII

Corporate Account Manager
Direct Dial: 01253 598969
Mobile: 07789 551600
Email: paul@rowlands-hames.co.uk
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John A Isles ACII

Managing Director / Head of General Insurance
Chartered Insurance Broker
Direct Dial: 01253 598953
Mobile: 07974 667825
Email: john@rowlands-hames.co.uk
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Gary B Baxter Dip CII

Corporate Account Manager
Direct Dial: 01253 598957
Mobile: 07904 546274
Email: gary@rowlands-hames.co.uk
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Tony Swallow

Commercial Director
Direct Dial: 01253 598954
Mobile: 07974 692990
Email: tony@rowlands-hames.co.uk
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Pharmaceuticals Insurance and Life Science Insurance

For Pharmaceuticals Insurance and Life Science Insurance, Rowlands & Hames have access to those insurers with experience and appetite in these sectors, with cover to satisfy the constantly changing needs of these clients.

What do we mean by Life Sciences?

Biotechnology – through the use of bio-science and technology, these companies develop and supply products and services, having a therapeutic benefit for use in medical, pharmaceutical and other process technologies.

Medial Device and Equipment – including diagnostic, imaging, monitoring, therapeutic, surgical implants and prostheses. Also including testing, processing, research and clinical laboratory equipment and software.

Pharmaceuticals

Product Development Organisations – including Contract Research Organisations (CRO), Site Management Organisations (SMO) and Contract Manufacturing Organisations (CMO)

Neutraceuticals – including minerals, herbal and other medical foods and products that have a therapeutic benefit.

Veterinary Products – intended for the medical treatment of animals.

Key Exposures

  • R&D expenses, income coverage and committed costs
  • Clean Rooms/Controlled Environments
  • Contamination Coverage
  • Failure to Perform/Efficacy
  • Multinational Exposures
  • Clinical Trials (including Global if required)
  • Supply Chain Dependency
  • Punitive Costs for the USA & Canada
  • Undamaged Stock extension
  • Errors and Omissions
  • Products Liability

Contact

For more information contact:

John A Isles ACII

Managing Director / Head of General Insurance
Chartered Insurance Broker
Direct Dial: 01253 598953
Mobile: 07974 667825
Email: john@rowlands-hames.co.uk
Add to Address Book

Bespoke Products for Specialist Sectors

For certain specific trades, the insurance industry has over time designed a number of bespoke ‘combined’ policies and schemes catering for the particular needs of that particular sector.

Good examples are the security industry, cleaning firms, electrical contractors, roofers, night-clubs, motor traders.

Insuring all major exposures under the one contract can have significant advantages in both cover and premium terms.

Speak to one of our Corporate Account Managers to discuss your particular requirements.

Club Insurance – Social & Sports Clubs

With access to a range of bespoke Club Insurance contracts aimed specifically at a range of sports and social clubs, Rowlands & Hames can assist commercial and non-profit making organisations in the arrangement of comprehensive Club Insurance cover from reputable UK insurers.

Typical forms of Club

  • Social Clubs
  • Working Men’s Clubs
  • Ex-Service Men’s Clubs (Royal British Legion / Naval Clubs etc)
  • Constitutional Clubs (Conservative, Liberal, Labour etc)
  • Sports & Social Clubs
  • Masonic Lodges
  • Amateur or small professional Football Clubs
  • Rugby Clubs
  • Tennis, Croquet and Snooker Clubs
  • Golf Clubs (although a more bespoke contract may be more suitable)
  • Health Clubs (although a more bespoke contract may be more suitable)
  • Other forms of club (please discuss your requirements)

Typical Insurance Cover provided

  • Buildings, tenant’s improvements and glass – All Risks basis
  • Contents, computers, stock, beers, wines & spirits – All Risks basis
  • Trophies and regalia including whilst at members’ homes
  • Members’ and Visitors’ effects
  • Greens, Courts & Irrigation systems
  • Revenue covers for membership fees plus other income – All Risks basis
  • Money including money in gaming machines
  • Fidelity Guarantee (theft by employees of money and goods)
  • Employers’ Liability including volunteers cover – often overlooked
  • Public & Products liability
  • Member to member covers (excluding contact sports)
  • Personal Accident for employees and officers/committee members
  • Committee/Trustees/Directors’ & Officers’ Liability
  • Legal Expenses
  • Frozen Foods
  • Goods in Transit
  • Loss of License

Review and Quotations

Rowlands & Hames Insurance Brokers would be pleased to undertake a comprehensive review of your current arrangements and make appropriate recommendations for your Club Insurance.

To discuss your requirements and obtain a quotation, please contact:

Gary B Baxter Dip CII

Corporate Account Manager
Direct Dial: 01253 598957
Mobile: 07904 546274
Email: gary@rowlands-hames.co.uk
Add to Address Book

Children’s Nurseries

Many insurers provide a bespoke ‘package’ type policy for children’s nurseries, catering specifically for all their general insurance requirements.

Care should be taken with regards to employees’ training, the various safety checks, premises security, CCTV, permission to collect children etc, training and experience, CRB checks, external visits etc.

The main insurances included are:

  • Property Damage & Theft (Buildings, Glass, Contents, Stock etc.)
  • Computers (separate wide cover, some insurers)
  • Business Interruption
  • Loss of Premises Licence – if applicable
  • Money on the premises, in safe, in transit
  • Employers’ Liability
  • Public Liability
  • Products Liability
  • Limited Professional Indemnity exposures (some insurers)
  • Legal Expenses (some insurers)
  • Personal Accident (some insurers)

Rowlands & Hames have access to numerous insurers competing in this market.

Parking Enforcement Officers Insurance

Spending all day on your feet, typical British weather, dealing with unhappy customers … a job as a Parking Enforcement Officer is tricky enough without having to worry about securing the right insurance and negotiating with the various providers.

Rowlands & Hames Insurance Brokers are able to take the stress out of finding the necessary insurance, whilst also being able to provide competitive and comprehensive policies.

Parking Enforcement Officers Insurance cover is available for both Public and Employers Liability Insurance, and Rowlands & Hames are also able to source quotations for any other insurance requirements you may have (i.e. motor insurance, personal accident and travel, crime, cyber etc).

For more information or to obtain a quotation, please do not hesitate to contact Gary Baxter on the details below.

To discuss your requirements and obtain a quotation, please contact:

Gary B Baxter Dip CII

Corporate Account Manager
Direct Dial: 01253 598957
Mobile: 07904 546274
Email: gary@rowlands-hames.co.uk
Add to Address Book