If you are a
rural or semi rural business working in the South West, Cornish
Mutual will take the time to get to know your company, and create a
tailored package of covers that matches your needs and
expectations.
Or course, our relationship does not end there. We'll review
your cover regularly, to keep pace with changing circumstances and
new regulations. Our local Insurance Inspectors are based in your
community, making them easy to contact should you ever need
advice.
Business situations are incredibly diverse - so the options
available are understandably wide…
Public Liability Cover
Our starting point is protection against risks that, if they
occur, would threaten the survival of your business. We therefore
strongly recommend that every business should have public liability
cover.
Employers Liability Cover
Employers liability cover protects you should an employee be
injured and it is proved that it was your responsibility… and the
weight of legislation on employers is growing all the time. While
we'll work with you to spot and minimise the risks you face,
insurance provides a "sleep easy" protection in case things do go
wrong.
Although the law does not specifically require you to take
employers' liability insurance for close relatives, it is a good
idea to take out cover for everyone you employ. This way, should an
accident happen, your relative can receive the same compensation as
any other worker.
Property Insurance
Insurance of your buildings, stock (whether owned by you or in
your custody or control), refrigerated stock, goods in transit,
machinery, fixtures, fittings and vehicles can all be decided on
the basis of what you want to insure, with tailored levels of cover
and excess.
Loss of Rent
If you rent out all or part of a premises, this cover protects
you against an insured event making it unfit for occupation.
Business Interruption
To cover your loss of profit should your business activities be
interrupted following insured loss or damage.
Loss of Money
Loss of business money for which you are legally responsible,
including cover for loss due to the dishonesty of an employee, and
compensation for an employee injured as a result of an attempt to
steal money.
Personalised service
At Cornish Mutual we do not believe in encouraging you to buy
cover you do not want. Our philosophy is to work with each Member
so that their insurances meet their unique needs.
Our existing Members value our honesty and openness. If you deal
with us you can be assured that, as a Mutual Insurer, your premium
will work hard for your benefit and not be passed to
shareholders.
