iprism Products

Truly Comparative, Truly Unique

iprism’s UNIQUE PACKAGE SOLUTIONS For Small Businesses include Commercial Combined, Residential and Commercial Landlords, and House & Home Excel – for Mid to High Net Worth Home Insurance.

High Net Worth Home

icon of a diamond

House & Home Excel

House and Home Excel is designed exclusively for owners of high value homes, collectors of fine art and other valuables with a flexible underwriting approach. Alongside the main residence, we can also accommodate weekend homes, holiday homes in the UK and let properties allowing your clients the option to have one policy for their property portfolio.

Open the House & Home Excel brochure (PDF).

Our extensive cover includes:

  • All Risks cover as standard
  • Worldwide cover for contents
  • Accidental Damage by Pets included
  • High single article limits of £15,000 for jewellery & watches and £25,000 for art & antiques limits the items that have to be specified
  • No security warranties as standard
  • Alternative Accommodation paid for up to 5 year
  • Family Legal protection up to £100,000
  • Emergency Home Assistance provides cover for emergency repairs for essential services by approved tradesmen up to £1,000
  • Cover for finding leaks up to £50,000
  • Personal cash covered up to £5,000 increased to £10,000 for money in a safe
  • Cover for the contents belonging to guests and domestic employees
  • Cover for contents outbuildings up to the contents sum insured
  • Trauma Cover following a violent crime at your home.

Commercial & Contractors Combined

icon of a set of square components coming together

Commercial Combined

iprism Commercial Combined is designed for businesses that manufacture, assemble wholesale or provide services from a commercial premise. The policy is extremely flexible allowing cover to be tailored for your client’s specific requirements and is supported by our team of experienced and knowledgeable underwriters who are able to provide a fast efficient and responsive service with a personable approach.

Policy wordings, summaries and schedules are all available electronically via our system.

What can the iprism Commercial Combined product offer your clients?

Covers can include any or all of the below in one policy:

  • Material Damage
  • Business Interruption
  • Employees Liability – £10m Limit of Indemnity
  • Public Liability – £2m and £5m options
  • Products Liability – £2m and £5m options
  • Goods In Transit
  • Money and Personal Assault
  • Specified All Risks – Options for UK, EU and World Wide
  • Deterioration of Stock
  • Loss of Licence – £100k Standard
  • Glass Breakage
  • Equipment Breakdown – Provided by HSB Engineering Insurance
  • Commercial Legal Expenses – Provided by DAS Legal Expenses.

Terrorism cover is available as a ‘stand-alone’ option.

Package

icon of a saw

Tradesmen

Each trade is different, but we can tailor cover to give your customer the confidence they need when they’re out working – from legal liability cover to cover for their most important tools, plant and equipment.

Aimed at small businesses and sole traders who carry out work at third party locations.

Public and Products Liability covered as standard. Access to helplines provided automatically.

What can the iprism Tradesmen & Contractors product offer your clients?

A flexible product that you can tailor to meet the needs of your clients:

  • Ability to include up to 10 employees without referral
  • Option to add Temporary employees
  • Tools cover can be added – including ability to insure laptop computers and mobile phones
  • Contract Works cover – with a choice of limits and option to add cover for own plant and hired in plant
  • Option to add contingent liability for Bona Fide Sub Contractors
  • Optional Commercial Legal Expenses.
icon of a cash till

Retailers

iprism provides cover for shops of all kinds and all sizes working in any the retail sector. iprism can provide insurance that protects retailers against loss of stock, interruption of business, employers’ and public liability, and also include buildings in the one policy so your customer gets a single solution to their needs.

A comprehensive package of cover for retail businesses.

Standard cover

  • Contents and Business Interruption
  • Money, PA Assault and Goods in Transit
  • Accidental Damage covered automatically
  • Employers Liability £10m
  • Public and Products Liability – with optional Limits of Indemnity up to £5m widely available.
  • Breakdown cover automatically included – comprehensive cover including £5,000 deterioration of stock cover, and up to £5,000,000 for any one accident to covered equipment
  • Commercial Legal Expenses

What can the iprism Retailers product offer your clients?

  • Work away from the insured premises
  • Wide range of treatment risk cover available on request
  • Buildings and Subsidence cover options
  • UK All Risks for Business Equipment option
  • Loss of Licence option
  • Terrorism cover available as a ‘stand-alone’ option.
icon of wine glasses

Restaurants, Public Houses & Wine Bars

Match the right insurance to the specific needs of your client's restaurant, pub or wine bar. You can cover the assets, earnings and legal liabilities of their business, protect against business interruption, provide buildings insurance, loss of liquor licence cover and include business conducted away from the premises.

A comprehensive package of cover for restaurants, pubs and wine bars.

Standard cover

  • Contents, Stock and Business Interruption
  • Freezer contents up to £2,500 any one machine
  • Money, PA Assault and Goods in Transit
  • Employers Liability £10m
  • Public and Products Liability for limits of £1m, £2m and £5m available
  • Commercial Legal Expenses

What can the iprism Public Houses & Wine Bars product offer your clients?

  • Residential contents – the personal possessions of the owners family
  • Accidental Damage extension as an option
  • Buildings cover and Subsidence extension options
  • UK All Risks for Business Equipment option
  • Work away from the premises can be included on request
  • Loss of Licence option
  • Terrorism cover available as a ‘stand-alone’ option.
icon of an office chair

Offices

iprism can tailor a policy that allows your customer to run their office in complete confidence. From employers' and public liability, to contents and buildings cover, as well as protection against the effects of business interruption.

A comprehensive package of cover for small offices.

Standard cover

  • Contents and Business Interruption
  • Money and PA Assault and Goods in Transit
  • Accidental Damage covered automatically
  • Employers' Liability £10m
  • Public and Products Liability - limits of £1m, £2m and £5m available
  • Breakdown cover automatically included – comprehensive cover of up to £5,000,000 for any one accident to covered equipment
  • Commercial Legal Expenses

What can the iprism Offices product offer your clients?

  • Buildings and Subsidence cover options
  • UK All Risks for Business Equipment option
  • Terrorism cover available as a ‘stand-alone’ option.
icon of a pill

Surgeries

You can tailor an insurance policy to meet the needs of any surgery or clinic. The cover includes assets, earnings and legal liabilities. Your customers also get employers' and public liability cover, and you can even include buildings insurance as well.

A comprehensive package of cover for small surgeries.

Standard cover

  • Contents and Business Interruption
  • Money and PA Assault and Goods in Transit
  • Accidental Damage covered automatically
  • Breakdown cover automatically included – comprehensive cover of up to £5,000,000 for any one accident to covered equipment
  • Employers' Liability £10m
  • Public and Products Liability for limits of £1m, £2m and £5m available
  • Commercial Legal Expenses

What can the iprism Surgeries product offer your clients?

  • Cover for visiting bags can be added
  • Buildings and Subsidence cover options
  • UK All Risks for Business Equipment option
  • Terrorism cover available as a ‘stand-alone’ option.
icon of an academic's mortar board

Teachers & Tutors

If you provide private or additional tuition or coaching, either at your home; a pupil's home or at any other third party premises we can provide the Public Liability cover, plus a range of additional covers to provide your client with cover for Employees; Business Equipment and Personal accident.

Aimed at individuals and small firms who provide extracurricular tuition; private tuition; music lessons and secretarial training at home; pupil's homes or at third party premises.

Standard cover

  • Public and Products Liability cover provided as standard
  • Access to Helplines provided automatically

What else can the iprism Teachers & Tutors product offer your clients?

  • PL limits of £1m, £2m and £5m available
  • Ability to include Employers' Liability cover of £10m
  • All Risks cover available of Business Equipment including musical instruments
  • Optional Commercial Legal Expenses cover
  • Full Legal Expenses cover available as an option.
icon of a laptop

Homeworking Professionals

Every profession is different, but we can tailor cover to give your customer the confidence they need when they're out working – from legal liability cover to cover for their most important business equipment. This product is designed for those businesses who work on a clerical basis, but if your work employs manual labour then please try our Tradesmen & Contractors product.

Aimed at professional individuals and small companies who trade from the proprietors home or third party premises.

Public and products liability is covered as standard.

What can the iprism Homeworking Professionals product offer your clients?

icon of a shopping trolley on a web page.

Internet Traders

If you are an eBay seller or operate an internet fulfilment business from your home iprism have a solution to your needs. The cover can be tailored – from a core of Public & Products liability with options including Material Damage and Goods in Transit.

A product for home based businesses selling goods and products via the internet

What can the iprism Internet Traders product offer your clients?

  • A flexible contract that can be tailored to meet your clients specific needs
  • A policy providing Public and Products Liability cover as a core element
  • A range of optional covers including stock, business contents, goods in transit and full Legal Expenses
  • Additionally the policy can be extended to cover packing materials, business Money and Stamps
  • Selectable levels of Excess
  • Accidental Damage cover as an option.
icon of a bed

Hotels, B&Bs and Guest Houses

iprism provides cover for smaller Hotels, Bed & Breakfast establishments and Guest Houses, including, where required cover for the owners own personal possessions. Whatever the business iprism can provide insurance that protects hospitality providers against damage to buildings, loss of stock, interruption of business, employers and public liability in one policy so your customer gets a single solution to their needs.

Standard cover

  • Contents and Business Interruption
  • Damage to freezer contents – up to £2,500 any one machine
  • Business Money and Personal Accident Assault
  • Glass Breakage
  • Business liability – both Employers and Public/Products liability
  • Commercial Legal Expenses

What can the iprism Hotels, B&Bs and Guest Houses product offer your clients?

  • Permanent residents own personal possessions can be added
  • Catering away from the premises can be included
  • Option to add Accidental damage
  • Option to add subsidence cover
  • UK All Risks for Business equipment option
  • Loss of Licence option
  • Terrorism cover available as a ‘stand-alone’ option.
police

Terrorism

iprism provides a ‘stand-alone’ terrorism extension in support of an underlying policy to ensure your client is adequately indemnified against terrorism exposures.

Standard cover

  • Adds cover for terrorism exposures
  • No requirement for HMG to declare a ‘terrorist act’ for cover to apply.

Property Owners

icon of a house

Residential Property Owners

If your customer rents out residential property then we can provide buildings insurance, and you can tailor the policy by adding cover for things like loss of rent or landlords contents.

For property owners with a single property up to those with portfolios of residential properties.

Standard cover

Available for professional lets as well as properties occupied by students, holiday home lets and properties with tenants receiving financial assistance.

  • Buildings
  • Property Owners Liability - limits of £1m, £2m and £5m available
  • Contents in communal areas – various levels cover available
  • Loss of Rent/Alternative Accommodation
  • Commercial Legal Expenses – specialist product including tenant eviction cover

What can the iprism Residential Property Owners product offer your clients?

  • Accidental Damage extension option
  • Option to purchase subsidence cover
  • Can choose to add Day 1 at a range of percentage uplifts
  • Landlords contents in individual units can be insured
  • The contents of common parts can be included
  • Cover for properties undergoing renovation/refurbishment prior to being let
  • Rent Guarantee option
  • Employers' Liability option
  • Terrorism cover available as a ‘stand-alone’ option.
icon of an industrial building

Commercial Property Owners

If your customer owns premises which are let to commercial occupants (or a mixture of private and commercial occupants) the iprism CPO policy will meet their insurance needs in respect of their building, Loss of Rent and contents (if required) together with Legal Expenses cover that can be extended to include ‘tenant eviction’ and ‘rent guarantee’ for residential lettings.

For property owners with a portfolio of commercial and residential let properties.

Standard cover

  • Property Owners Liability limits of £1m, £2m and £5m available
  • Buildings
  • Loss of Rent
  • Commercial Legal Expenses – specialist product

What can the iprism Commercial Property Owners product offer your clients?

  • All occupancy types considered including manufacturing, wholesalers/storage, retail, office and residential
  • Cover available for most unoccupied properties
  • Accidental Damage option
  • Option to purchase Subsidence cover
  • Can choose to add Day 1 at a range of percentage uplifts
  • Landlords Contents – various levels of cover available
  • Landlords Fixtures and Fittings can be insured
  • Rent Guarantee option
  • Employers Liability £10m available
  • Terrorism cover available as a ‘stand-alone’ option.

Financial Lines

icon of a shirt and tie

Directors & Officers Liability

Protects Directors and those in positions of responsibility against acts undertaken in the running of an organisation, as well as those involving negligence and breach of trust from an honest mistake.

Highlights

  • ‘Wrongful Acts’: Breaches of duty or trust, neglect, error, misstatement, misleading statements, omission, negligent act or any other act wrongfully committed
  • Advancement of defence costs
  • Damages awarded against the director or officer including exemplary damages for libel and slander
  • Company reimbursement
  • Investigation legal fees and expenses, covering the company and the individuals
  • Blanket cover for any person deemed to be a director or officer, past, present and future
  • Managerial/Supervisory staff included as insured persons

Optional Cover

  • Employment Practice Liability Insurance for claims against the company.
icon of a judge's gavel

Professional Indemnity

Protects your client and their business against costly compensation claims sought by their clients if they have made mistakes or have been found to be negligent.

Cover to protect small businesses and professionals from financial effects of actions against them and errors and eventualities that cannot be foreseen.

What can the iprism product offer your clients?

  • Cover specifically tailored to suit the requirements of a wide range of professions – some of the professions included are:
    • Management Consultants
    • Accountants
  • Various indemnity levels available – your client can choose the most appropriate level for their business
  • Knowledge that specialist claims staff are dealing with any claims.

And we don't stop there

You might think that with our impressive portfolio of SME insurance products we can sit back and relax but we’re actually working harder than ever to improve what we have and add new products – targeting poorly-served areas of existing market segments or coming up with completely new niche products. We’re constantly in touch with our insurer partners and building new relationships to give you the widest possible market choice – all via our easy to use portal.

fastforward your business

comparative business insurance online www.ipua.co.uk

working harder than ever to improve what we have and add new products...