Claims Management

Tysers pride themselves on providing a first class claims service. We will work closely with you to ensure that any claims are settled quickly and efficiently. Our claims team provide a truly personal service with a 24-hour contact number available in the event of an emergency.

Summary of Cover

This flexible programme provides wide ranging protection and we will help you arrange the best cover for your individual circumstances from the policy sections listed below:

Property

Cover for buildings, machinery and plant, stock, other contents, money and specified items against 'All Risks' at the stated premises.

Supplementary 'All Risks'

Cover against accidental damage to, destruction or theft of goods or property while temporarily away from your business premises, for example at an exhibition, conference or sales fair.

Business Interruption

Covers increased costs of working and loss of gross profit as a result of property loss or damage covered by Property section.

There is a choice of indemnity periods and cover can be extended to a number of areas including:

• suppliers
• customers
• research and development.

Computers

Covers computers and ancillary equipment against 'All Risks' including negligent breakdown and will meet additional costs of working incurred as a result of computer failure. Covers for reinstatement of data.

Employers' Liability

Covers liability to employees for death, bodily injury or disease arising out of and in the course of their employment.

Public Liability

Covers your legal liability for injury or disease or loss of or damage to property caused by a defective product. Worldwide cover including North America can be included.

Includes efficacy cover should the product fail to perform its intended function.

May be extended to include cover for authorised vendors and professional indemnity where you design but do not manufacture.

Errors & Omissions

Covers liability for purely financial losses arising from service and product related errors where no bodily injury or loss of or damage to property is involved and includes losses arising when the service or product fails to perform its intended function. Cover applies only to losses occurring after the policy commences.

Directors & Officers

Personal liability protection for directors, officers and senior employees in the event of malpractice in corporate governance. Meets legal defence costs and damages.

Offences may include:

• Financial mismanagement
• Breaches of company law
• Employment issues
• Discrimination
• Harassment
• Libel and slander
• Employment Practices Liability.

Marine Cargo & Transit

Covers international transportation of goods by land, sea or air.

Engineering

Covers manufacturing equipment against breakdown.

Motor Fleet

Covers all private and commercial vehicles.

Multinational

If you have activities, factories or premises in other countries, cover may be written on a multinational basis in conjunction with associated companies.

Risk Management Services

Industrial accidents cost UK businesses billions of pounds a year, only about one quarter of which is thought to be protected by insurance. For instance, lost man-time and management time are not covered by most policies but they do have a hugely detrimental effect on business.

Tysers has a real commitment to working with clients to reduce the number of incidents and claims and includes a risk management service as part of this programme.

As you would expect, our advice and recommendations cover the prevention and control of loss, damage and destruction from fire, theft and other perils including lightning, explosion, storm and flood.

And the service goes on to provide specialist advice for manufacturers in a number of areas not traditionally covered by other insurance programmes, including the following:

Health & Safety

• use of personal protective equipment
• machine safety
• use and control of hazardous materials
• industrial hygiene and noise control.

Environmental Concerns

• pollution control and waste disposal
• monitoring and control systems.

Human Resources

• avoiding Repetitive Strain injury
• manual handling procedures
• VDU operation
• creating an ergonomic environment.

Transit Management

• methods of packaging and labelling
• safety and transportation
• approaches to mechanical handling.

Product Quality Control

• laboratory and field testing
• sales brochures, instructions and labelling reviews
• management systems and quality policies.

In addition, our risk management service provides an objective view on the contingency plans you should make to ensure that if any damage occurs the impact on your business is minimised. We will suggest approaches to backing up data and storing information vital to the management of your enterprise. We will outline alternative arrangements for the supply of the equipment and raw materials you need to keep trading and we will establish a structure for developing a full disaster recovery programme.

In short, we will help you to implement effective risk management techniques to ensure the minimum interruption to your business so you keep valuable orders and maintain the confidence and support of your customers.

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