Property Owner

At Keith Taylor we offer a wide range of products for both residential and commercial landlords.

As a landlord of a residential or commercial property your property is your livelihood. But fire or flood damage to your property could affect not just the buildings and your contents, but also the income you generate from your rentals. Without adequate landlord or property cover in place to repair any damage and cover the loss, your property could lie empty indefinitely, costing you time and money.

We have access to a wide variety of products and insurers and can cover all types of landlords from the landlord who owns a single small flat, to the property owner who manages a large portfolio of properties.

Shop & Office

As your shop or office is your livelihood you will want to make sure that you are fully protected. We can offer insurance for most types of business by providing you with tailored cover from our panel of reputable insurers.

We can arrange a wide range of cover including:

Material damage
Business interruption
Public/products liability cover
Employers liability
Money cover
Contents & stock
Loss of rent
Goods in transit
Frozen food
Computer cover
Personal accident

Car

Looking for the best deal on your car insurance can be time consuming. So, why not let Keith Taylor Insurance do the hard work for you.

We understand that quality cover is just as important as a cheap price. That is why we only deal with the most trusted insurance providers out there, who we know can provide you with the standard of insurance cover you deserve.

So, why not let us help you get the best car insurance quote coupled with strong, dependable cover that won’t let you down.

Motorcycle

Searching for a good deal on your motor cycle can be annoying and time consuming and at Keith Taylor we can provide cover for a wide range of bikes.

By searching our selected panel of insurers, we can find the most competitive and the best policy suited to your specific needs.

Key benefits can include:

Cover available for multiple bikes on one policy, either free of charge or at reduced rates, depending on value
Up to 50% No claims discount
Security discounts of up to 10 per cent

We can offer you three different levels of cover for your motorbike:

Comprehensive
Third Party, Fire and Theft
Third party only.

Agricultural Vehicle

We have a wealth of experience because our roots are firmly embedded in the rural community. We offer a multi-sectional policy covering private cars, commercial vehicles and agricultural vehicles:

Attached/detached trailer/implement cover of £100k per item available for commercial vehicles and agricultural vehicles
Multi-sectional discounts available
Very competitive rates for comprehensively covered private cars
Cover available for agricultural contractors
Special rates for horseboxes incorporating additional discounts for limited mileage
ATV/quad bikes can be included within agricultural vehicle section
Bonus scale in operation for agricultural vehicles

Farm Combined

We have a wealth of experience because our roots are firmly embedded in the rural community. We offer a fully integrated contract from household insurance through livestock insurance, farm contents insurance, liability insurance to farm personal accident insurance. Cover includes:

Household buildings insurance	Farm buildings insurance
Household contents insurance	Farm contents insurance
Household ‘all risks’ insurance	Livestock insurance
Domestic animals insurance	Employer’s liability insurance
Loss of revenue insurance	Public/products liability insurance
Money insurance	Farm ‘all risks’ insurance
Personal accident and sickness insurance	Deterioration of stock insurance
Legal Expenses insurance	Hail (crops) insurance
Milk-in-tanks insurance	Goods in transit insurance

Household

When it comes to your home, it pays to be sure of the difference between building and content insurance. If you want to insure the structure, fixtures and fittings of your house, then building insurance is the right cover for you. For example, if your house was struck by lightning, you would claim on your building insurance.

Unlike insurance on your building, content insurance covers your possessions in case of theft or damage. This includes your carpets, furniture and TV. It can even include valuables which you might take out with you, like a laptop or bicycle.

So, how do you find a great deal on buildings & contents insurance? By asking Keith Taylor of course. We will price check our panel of leading home insurance companies to find you the best deal for home owner insurance.

Commercial Vehicle

Searching for a good deal on your commercial vehicle insurance can be annoying and laborious and you could use the time saved to improve your business and make more money.

At Keith Taylor, we can find you the best deal from our panel of approved insurers, and at the same time we will make sure you have the best cover available from a trustworthy and reliable insurer.

We insure vans, pickups and commercial vehicles of all shapes and sizes as well as specialty vehicles of all kinds. Why not let us show you how much time and money we can save you?

HGV

If you are looking for a competitive truck policy, we have access to a number of specialist schemes that allow us to offer cover on vehicles over 3.5 tons. A range of options can be selected to suit the needs of any truck operator.

Some key policy benefits include:

Nationwide network of Club approved HGV repairers
Free trailer cover for both attached and detached trailers, either owned or under the Policyholders control
£5 million third party property damage cover
Cover for both haulage and personal goods
New vehicle replacement cover not limited by vehicle size
Foreign Use cover with a Green Card can be arranged for an additional premium
Replacement locks if keys are stolen
Customers have access to a dedicated 24-hour emergency, claims and legal helpline for commercial customers
Free legal costs through Duty of Care cover

Vehicle Fleet

If you’re running more than three vehicles through your business, it is almost always more cost-effective to have them covered on a vehicle fleet policy. Whatever variation of vehicles your fleet consists of, we will endeavor to find you the perfect policy for your individual needs. We have a number of excellent facilities available and will ensure that you are properly covered at all times.

We can offer a range of covers including:

Motor fleet insurance
Van fleet insurance
Commercial fleet insurance
Company car fleet insurance
Haulage fleet insurance

Goods in Transit & Marine

What happens whilst your goods or products are in transit? Until they reach their destination they are still your property and, as such, need protecting just as much as when on your premises.

Goods in transit and marine insurance covers physical damage to, or loss of your goods whilst in transit by land, sea and air and offers considerable opportunities and cost advantages if managed correctly. Goods in transit insurance can be arranged to provide cover during shipping or movement away from your premises.

We know how important it is for you to have adequate cover for your transportation needs and will ensure that you are covered for all the right risks. As an independent insurance broker, we are able to obtain insurance quotes from a wide range of different insurers to ensure that we get the best possible transit insurance cover at the best price.

Public & Product Liability

Public liability is a must have insurance for any business which has contact with the public in their own or other peoples premises and Keith Taylor offer a total solution which will ensure that the best cover is available at all times at the best price.

Public Liability is provided to cover you against loss of, or damage to, third party property or persons arising from the activities of your business. In these litigious times the risks of someone taking action against you are greater and greater and suitable insurance cover is essential. From a simple trip up on the floor covering to accidental material damage to the property or equipment the risks can be significant, in some cases running into millions of pounds.

Product liability covers your legal liability (and associated costs) in respect of injury to any third party or loss of or damage to material property caused by any products you supply.

The limit of indemnity is the amount the insurance company will pay in the event of a claim. In respect of Public Liability insurance, the limits are usually up to £5m but sub contractors, particularly those to councils and government, will be asked to increase the limit to £10m or more.

By taking out public or product liability insurance cover you are protecting yourself and your business against a potential threat which in many ways is outside your control and making sure that you can continue to do what you are good at, that’s running your business.

At Keith Taylor we use our knowledge and expertise of the insurance market and your trade to find you the best policies available at the best prices!

Employers Liability

Employment law can be a virtual nightmare and, as soon as you have an employee, it is a legal requirement that you have Employers Liability Insurance.

The litigation potential can be enormous so, despite a legal requirement of a minimum of £5m of cover, most Keith Taylor recommended policies provide £10m cover as standard.

Employers Liability Insurance provides cover against your legal liability for bodily injury, illness or disease sustained by an employee in the course of his or her employment. In these litigious times every employer should be fully protected and that is what we set out to achieve for you

Professional Indemnity

Professional indemnity insurance protects your business against compensation sought by a client if you have made mistakes or are found to have been negligent. Professional indemnity insurance will also cover any related legal costs.

Most professionals now realise the need to carry professional indemnity cover. If you are a lawyer, accountant or financial adviser, then you must have professional indemnity insurance. However, increasingly greater numbers of professionals and business people who offer advice, and sell skills or knowledge, opt for peace of mind by taking out such cover as well.

Travel

You plan your holidays to be as trouble free as possible, but you just never know so why take the risk as it is so inexpensive to take out a travel insurance policy?

Baggage problems, airport flight delays and injury can and do happen to travelers the world over. Accidents and illnesses abroad can also be expensive and often you are unable to get treatment without proof that you can pay for it. It is essential therefore that you have insurance in place to cover every eventuality.

For complete peace of mind we offer:

Single trip travel insurance
Annual travel insurance
Multi trip insurance for every holiday you plan over the next 12 months.
Over 65 travel insurance
Ski and snowboarding cover
Golf travel insurance

Motor Trade

Motor Trade Insurance is not just about cars and drivers – ask anyone in the business. From the local body repair shop to sole–traders selling cars from home, we have an insurance program which will meet your specific needs.

Our strong relationship with some of the UK’s leading insurers means we are ideally placed to help you find the right cover. We can place cover for the following types of Motor Trader:

Traders with premises or working from home.
Service, Repair & MOT Garages.
Valeters with premises or mobile valeters.
New and Used Vehicle Dealerships.
Body Repair Workshops.

We can provide stand alone “Road Risks” cover or a Combined Business Package to include:

Material Damage (Buildings, Contents, Stock, Tools & Equipment)
Business Interruption
Money
Goods In Transit
Employers Liability
Public & Products Liability (Service Indemnity)
Road Risks (Comprehensive / Third Party, Fire & Theft / Third Party Only)
Legal Expenses
Professional Indemnity

Self Build

There are many different ways to self build, be it a barn conversion, extension, renovation or a new self build. Each route has its own pitfalls and as those who have self built before will tell you, it is often not plain sailing!

Self build site insurance is of fundamental importance when investing your money into property and is designed to be taken out when you purchase your plot of land. Your self build could be disrupted for a number of reasons including disputes with your contractors, accident, injury, arson or theft. Self build site insurance ensures you are covered for almost any eventuality and provides you with financial compensation in the event of a loss.

Factory/Manufacturing

However complex your business insurance requirements we can offer the complete service you expect from an established broker in this sector. Our relationships with insurers built up over many years, give us access to a wide range of specialist insurance products.

We can provide cover designed to meet the needs of most businesses including manufacturers, distributors, repairers, finishers, printers, wholesalers, engineering companies and the construction industry to name but a few.

A typical combined business insurance policy provides cover for the main insurance needs of a business. A combination of Material Damage, Business Interruption, Book Debts, Employers Liability, Public and Products Liability, Money, Goods in Transit, and Specified Items ‘All Risks’.

However due to the nature of this type of insurance package and the variety of risks it can encompass, please contact us to discuss your individual business requirements.

Hotel

Owning and running a Hotel or Guest House can be a demanding business. At Keith Taylor we can find you the best deal from our panel of approved insurers for both licensed and unlicensed businesses to provide you with the assurance that you have the protection you need.

We can provide cover including:

Buildings and Contents cover for most types of damage or loss
Cover for loss of money, glass breakages and goods in transit
Employer’s Liability cover up to £10 million in damages and costs for each incident
Public and Products Liability
Business Interruption
Personal Accident and Illness
Legal Expenses

Directors & Officers

Directors and officers insurance provides comprehensive liability protection against the costs of defending litigation and any damages that may ensue from actions against you.

Directors (whether executive or non executive) of limited companies are still personally liable for a variety of events that fall outside of their authority.

Legal Expenses

In association with AIM we offer a range of competitively priced legal expenses insurance products. These include:

A comprehensive range of motor products
Family/household protection
Commercial & Landlord cover