Insurance
Commercial Insurance
Sandham Davies & Jones Ltd provides cover for many SMEs or Small and Medium sized Enterprises. We can tailor cover for all types of businesses from offices and shops to heavy industry or high tech.
 Being independent, we source products from both the Company and Lloyd's markets, ensuring your get the right cover at the right price. We pride ourselves on our service, which includes:-
- Free quotations
- Immediate cover with easy payment instalments
- Free Rebroking on renewal
Commercial Insurance may be arranged in a variety of ways:
- Packaged Product (a standard off-the-shelf product that includes Product/Public Liability, Employer Liability, etc)
- Commercial Combined (a specially tailored product incorporating Product/Public Liability, Employer Liability, Building Insurance, and stock cover)
- Public Liability Insurance (a stand alone policy for those with no employees)
- Public Liability Insurance incorporating Employer Liability (for larger firms with employees including standard £ 10 Million Indemnity)
Most SMEs or Small and Medium Enterprises will take up either the Packaged Product or Commercial Combined solution because it meets their particular need at an affordable "all in" cost. Of course, for those firms in specialist sectors, the requirements may change.
Employer Liability is a requirement of law for any firm with employees and provides an indemnity limit of £ 10 Million (£ 5 Million War and Terrorism) against legal liability to pay compensation for bodily injury, death, disease, or nervous shock sustained by workers in the course of employment. Cover includes costs and expenses of defending any legal action.
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Fire Protection
 Sandham Davies & Jones Ltd has been the recommended Insurance Broker of the British Fire Consortium for over 10 years and has been servicing the insurance needs of the security and fire protection industries for over 20 years. We specialise in arranging difficult to place cover in this industry.
Most of the policies we provide from our panel of insurers are approved for members of the leading trade associations in the security and fire protection industries including NSI, SSAIB, BAFE, FETA, BFC, IFEDA, BASA, MLA.
For 2011 Sandham Davies & Jones Ltd has to 7 separate schemes that include efficacy cover.
Public and Products (including efficacy) Liability
This provides indemnity for legal liability for accidental death and/or bodily injury to third parties or accidental loss or damage to third party property caused in the conduct of a company's business. The limit of indemnity chosen applies to each and every claim, unlimited in the period in respect of public liability, but applying in the aggregate in respect of products or pollution. The limits are £ 1, £ 2, or £ 5 Million. Indemnity greater than £ 5 Million can be bought by adding an excess layer.
For Alarm/Extinguisher/Sprinkler & Security Product Supply Companies it is vital their policies include:
- Efficacy (Failure to Perform & Wrongful Advice)
The efficacy clause covers a company’s legal liability for the failure of a product to fulfil its intended function. The cover extends to include advice/design in connection with products handled and supplied.
Where pure advice is given for a fee without the supply of a product, it may be necessary to arrange an additional Professional Indemnity insurance. The limits are usually the same as provided under Public/Products Liability.
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We recommend that you right click over the link and select Save Target As in the pop-up menu. Save the file locally, edit and save it and then send it back to us at enquiries@sdandjones.co.ukEmployers Liability
This is a basic requirement of law for all firms with employees and provides an indemnity limit of £10m (£5m for War & Terrorism) against legal liability to pay compensation for bodily injury, death, disease or nervous shock sustained by employees of the company arising in the course of employment. Cover includes costs and expenses in defending action.
For a quotation Click Here.
We recommend that you right click over the link and select Save Target As in the pop-up menu. Save the file locally, edit and save it and then send it back to us at enquiries@sdandjones.co.uk.
Professional Indemnity
Provides cover up to the chosen limit of indemnity including damages and costs & expenses, which the company become legally responsible to pay, as a direct result of negligence by the company, in the conduct and carrying out of specified professional activities*. The limit of indemnity is any one occurrence and in the aggregate. The policy excess is as specified in the quotation.
 * The definition of specified professional activities is:
The supply or performance by you as a professional of any:
- Design, plan or specification
- Supervision of construction
- Feasibility study
- Technical information calculation
- Surveying
- Undertaken only by or under the direction and direct control of a properly qualified person.
For a quotation Click Here.
We recommend that you right click over the link and select Save Target As in the pop-up menu. Save the file locally, edit and save it and then send it back to us at enquiries@sdandjones.co.uk.
Household Insurance
Your home and its contents are likely to be your most valued assets, so we provide a service which gives you total peace of mind.
Whether we are discussing your needs or providing you with a quote, you will enjoy our standards of friendly and professional service.
Our advisor's will: -
- Discuss your individual requirements in confidence.
- Tailor cover to suit your needs.
- Provide alternative quotations and advise on the most appropriate insurance for you.
- Obtain the best terms and explain the conditions of your insurance.
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Motor Insurance
With access to the whole market, let us take the hassle out of shopping around the competitive quotations. Whether you want Comprehensive, Third Party Fire & Theft, Third Party only or even Laid up cover, we’ll locate a product to suit your requirements.
Private cars, commercial vehicles, taxi’s and motor cycles; cover is available for all at a price that’s right for you.
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Annual Travel
If you take more than one holiday a year, an annual travel policy can save you money and also removes the need to arrange cover each time you travel.
We have negotiated annual travel cover with a leading UK insurer with the following features and benefits: -
 Family rate covers unlimited number of children
under 18- Unlimited number of trips up to 31 days each.
- Up to £3,000 per person cancellation.
- Up to £10m per person for emergency medical costs.
- Up to £25,000 for personal accident.
- Up to £25,000 for legal expenses.
- Cover available up to the age of 74.
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