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.
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.
Our extensive cover includes:
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:
Terrorism cover is available as a ‘stand-alone’ option.
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:
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.
What can the iprism Retailers product offer your clients?
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.
What can the iprism Public Houses & Wine Bars product offer your clients?
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.
What can the iprism Offices product offer your clients?
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.
What can the iprism Surgeries product offer your clients?
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.
What else can the iprism Teachers & Tutors product offer your clients?
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?
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?
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.
What can the iprism Hotels, B&Bs and Guest Houses product offer your clients?
iprism provides a ‘stand-alone’ terrorism extension in support of an underlying policy to ensure your client is adequately indemnified against terrorism exposures.
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.
Available for professional lets as well as properties occupied by students, holiday home lets and properties with tenants receiving financial assistance.
What can the iprism Residential Property Owners product offer your clients?
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.
What can the iprism Commercial Property Owners product offer your clients?
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.
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?
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