Get in touch today on 01623 649 931

Types Of Insurance

The right cover, the right policy, the right choice

Types of Insurance

Start-ups and new business

Selecting the right business insurance can feel like walking through a minefield, there are so many brokers and online comparison sites offering you numerous products. It really is hard to know what you actually need to protect your business.

With over 45 years of experience in arranging insurances for new businesses, we will guide you through the maze of potential insurances. No jargon, just straight forward honest, professional advice.

Cowens are independent and chartered, we will provide a tailored service and introduce you to the insurances that you truly need, not what we want to sell.

So that you can think about the covers you might require, click here for a basic explanation of widely available covers.

Environmental, Green & Green Technology

The renewables sector is constantly changing, new technologies and environmental products are being developed. With our teams expertise we can arrange a comprehensive insurance package that is flexible and can be applied to a variety of emerging risks.

Examples of trade sectors we cover include:

  • Anaerobic Digestion
  • Biomass
  • Combined Heat & Power
  • Energy Storage
  • Hydro
  • Onshore wind
  • Recycling
  • Solar PV
  • Wave & Tidal

Please click here for a basic explanation of widely available covers.

Motor Trade

Cowens Survival Capability has been working closely with the Motor Trade since our inception. We have a large number of clients in this area and have the capacity to deal with businesses in this sector of every size and complexity.

We can arrange covers for:

  • Car supermarkets
  • Caravan and motor home dealers
  • High value/ specialist
  • Independent car sales
  • PSV/HGV
  • Recovery
  • Recycling/breakers
  • Traditional Full Service Garages

Please click here for a basic explanation of widely available covers.

Technology

Cowens Survival Capability arranges cover for a wide range of companies in the technology industry. Your position at the cutting edge of commerce means that you require your insurances to be agile and responsive.

We can arrange covers for a wide range of technology companies including:

  • Advanced manufacturing
  • Aeronautics
  • Data centres
  • Hardware supply
  • Installation risks
  • Research and development
  • Telecommunications
  • Website design

Please click here for a basic explanation of widely available covers.

Manufacturing

Cowens Survival Capability with offices throughout the Midlands, has manufacturing in our blood. We look after clients who carry out every type of manufacturing and have many years’ experience and a close affinity with the manufacturing sector.

We can arrange cover for any type of manufacturing, but particularly:

  • Automotive
  • Aviation
  • Building products
  • Engineering/ fabrication
  • High tech/ specialist
  • Manufacturing with installation/ maintenance/ servicing
  • Materials handling
  • Off shore
  • Plastics

Please click here for a basic explanation of widely available covers.

Contracting

We have a large pedigree in arranging insurances for every type of contractor from the smallest sub-contractor to very large principal contractors.

We have a wealth of experience and knowledge to assist you.

Examples of contracting trades we cover:

  • All building trades
  • Electrical
  • Heating and ventilation
  • High hazard contracting
  • Mechanical
  • Principal contractors
  • Scaffolding/ roofing
  • Shop fitters

Please click here for a basic explanation of widely available covers.

Professional Services

In a fast paced, emerging and diversifying commercial world with evolving services such as IT, consultancy and app-based businesses, it is important to identify potential new, as well as traditional risks.  We will discuss, challenge and build a bespoke insurance product, responding to existing and new threats that are both internal and external.

Whatever your profession, we deliver insurance and risk management solutions that offer the best possible value and flexibility to meet the changing needs of your business.

Examples of cover you may need include:

  • Professional indemnity
  • Errors & omissions
  • Mergers & acquisitions
  • Directors & officers incorporating management liability
  • Cyber
  • Crime & fidelity
  • Kidnap & ransom
  • Data and digital risks

Please click here for a basic explanation of widely available covers.

Property Owners

It’s important that your insurance is professionally managed under one roof. We represent a wide variety of clients across a number of property sectors, including Landlords, Letting Agents and Property Factors, but one thing remains consistent – we deliver exceptional customer service. Our specialist Property team work closely with a range of insurers to ensure that we provide market leading cover and service proposition.

Examples of cover include:

  • Property Managers
  • Blocks of Flats
  • Letting Agents
  • Commercial Property Owners
  • Residential Let Property
  • Properties in Trust

Please click here for a basic explanation of widely available covers.

Distribution, warehouse and retail

Whether you store products; or are involved in value-added services like product mixing, order fulfilment, cross docking or packaging. Whichever way you meet your customers’ expectations and needs, Cowens Survival Capability is here to advise and implement the specific and unique insurance needs of your business through every process of your business.

Cowens Survival Capability can arrange insurances for the following:

  • Freight Forwarders
  • Haulage contractors
  • Importers/ export
  • Retail
  • Storage
  • Wholesale

Please click here for a basic explanation of widely available covers.

Leisure industry

The leisure industry comprises a large number of different undertakings, which collectively are of great importance to the UK economy, but each business within the sector is individual and unique. It is therefore of vital importance that your insurance fits you. Our specialist team looks at each individual part of your business and designs a package that is created just for you.

Cowens Survival Capability can cover the following:

  • Bed & Breakfasts
  • Caravan and lodge sites
  • Hotel groups
  • Individual hotels
  • Pub chains
  • Restaurants
  • Self-catering accommodation
  • Tour operators
  • Tourist attractions

Please click here for a basic explanation of widely available covers.

Food and Drink

Our experienced team routinely assist and support our clients in arranging individually tailored insurance programmes for businesses across the sector, be it manufacture, processing or supply chain.

Over recent years we have seen an increase in regulations, leading to product recalls and supply chain complexity.  These issues can impact your business and require constant review and protection. Ever changing risks, such as price rises, supply chain disruption, brand damage and environmental risks create a greater duty of care.

Spending time with you and your team allows us to understand the key risks within your business. Working in conjunction with our risk managers, we will build an individually tailored insurance programme that will protect your business in the event of a loss or claim.

Cowens Survival Capability can arrange insurances for the following:

  • Bakeries
  • Food Production
  • Breweries
  • Food colouring plants
  • Wholesalers

Please click here for a basic explanation of widely available covers.