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OUR SERVICES

We Provide Solutions

It’s not always nice to think about what bad things might happen, but it’s always a good idea to ask yourself  ‘What if?’  Most of us are quite good at thinking through any immediate risks we could face; but for total peace of mind and protection why not have a quick chat with our friendly team.
 
Whether you’re looking for comprehensive business protection, commercial, travel or home insurance – we’ve got you covered.
 
Our core business insurance products include:

 

Services: Product

COMMERCIAL BUSINESS INSURANCE

When it comes to business insurance we make sure all your assets are protected, whether that’s the office you work from or the people that work for you.
 

Running a business is a demanding job and that can mean there’s no time to think about the type of cover you need or even what the risks could be.
 

With us on-board we’re pleased to say you won’t have to do all of thinking - Let us Manage your Risk for you.
 

Our experts will chat with you and tease out all the important information quickly and easily… and make sure we find the right protection for you.
 

We work across almost every industry sector, but specialise in the following:
 

  • Hospitality, Sports and Leisure - Pubs, bars, restaurants, cafes, gyms, sports and social clubs

  • Tradesman and Contractors - Electricians, plumbers, builders and other contractors

  • High Risk Liability Trades - Scaffolders, roofers, groundworkers and demolition contractors

  • Shops and Retail - Fish & chips, takeaways, clothing and more

  • Offices - Estate agents, accountants, solicitors and more

  • Hotels and Guesthouses - Including spa's, b&b's and holiday lets

  • Hair and Beauty Salons - Hairdressing, nail parlors and tanning

  • Landlords – Commercial and residential lets

  • Property - Unoccupied, under renovation, block of flats, thatch roof, churches and mills, to name a few

  • Business Fleet - Min of 2 vehicles

  • Wholesale and Manufacturing - Import and export to the USA available

  • Professional Indemnity - Business and IT consultants, recruitment agencies, designers, architects, fitness instructors, teachers and more

  • D&O - Financial, non for profit, private and public companies


 

TRAVEL INSURANCE

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Whether you’ll be sunning yourself on a hidden beach in Indian Ocean, cruising around the Mediterranean, popping in on Paris or hitting the slopes (and getting as much air between you and the ground as humanly possible) or taking a business trip - we can make sure you’re protected abroad.

Our Travel Insurance options are designed to manage all levels of risk and plan for any unexpected events; such as delays and expenses, medical emergencies, and lost luggage for example.

Our core insurance products include:

 

  • Medical expenses

  • Cancellation or curtailment

  • Repatriation

  • Flight delays

  • Missed departure

  • Loss of luggage

  • Money cover

  • Phone assistance worldwide 24/7

  • Life insurance

  • Hazardous sports

  • Terrorism

  • Business trip travel

HOME INSURANCE

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At LMR we’ll help you to keep your keepsakes safe and your house in good hands. Our home insurance products cover everything from buildings and contents to loss, theft and damage – meaning you can sit back and relax.
 

And should the unexpected happen – we’ll make sure you’ve got the right policy and team to handle things quickly, sensitively and without fuss.

 

What's covered in home insurance -

  • Buildings

  • Flood

  • Subsidence

  • Contents

  • Valuables and/or personal possessions

  • Accidental damage to buildings and/or contents

  • Freezer cover

  • Pedal Cycles

  • Legal Liability to the public

  • Accidents to domestic staff

  • Money and bank cards

  • Legal expenses

  • Short term cover available

Public Liability

Buildings Cover

Business Interruption

Money Cover

Flood Cover

Employer's Liability

Business Contents

Loss of Licence

Tool Cover

Legal Expenses

Product Liability

Block of Flats

Stock

Contract Works

Terrorism

Professional Indemnity

Fixtures and Fittings

Goods in Transit

Plant Cover

Cyber

We also offer

Comprehensive Travel Insurance –single and multi-trip, covering existing medical conditions

 Personal  - home, buildings and contents

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