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Simpson & Parsons understand that each and every person is different. As a result, your insurance should meet your individual needs. We take the time to understand your circumstances before we recommend a suitable policy that matches your requirements.
We have access to leading insurance companies and underwriters, allowing us to offer suitable cover:
- Home and contents
- Holiday Home and contents for personal or let properties
- Fine art and jewellery
- Worldwide travel
Simpsons & Parsons have a specialism in the servicing of standard household and high net worth personal insurances for over 30 years.
In the present day, we have the advantages of sophisticated technology and systems. We retain our concentration on personal service which has always been the hallmark of Simpson & Parsons’ business approach.
Whether your business is large or small, it's important to protect your livelihood from physical damage, lawsuits and liability.
You are a specialist in your own field, it isn't always possible for you to spend the necessary time in comparing cover and premiums offered by the various Insurance Companies operating in the market - that's our job!
Here's a little information on the covers we can provide but why not just give us a call and let us walk you through it!:
| Covers Offered | Recommended For |
| Material Damage | Protecting your physical assets: buildings, contents, stock etc. |
| Business Interruption | Protecting the income or revenue of your business following a loss |
| Employers Liability | Protecting your employees in the event that they suffer an injury or loss as a result of your negligence |
| Public/Products Liability | Protecting the public from damage to their property or bodily injury caused by you/your business. |
The cover may also be extended to include:
| Covers Offered | Recommended For |
| Money | Protecting your physical cash held on site and whilst in transit to the bank |
| Goods in Transit | Protecting your goods whilst being moved around the country |
| Commercial Legal Expenses | Protecting you against costs of tax/vat investigations, employment disputes, contract disputes and so forth. |
Depending on the nature of your business or the type of product you supply or design, you may also need:
| Covers Offered | Recommended For |
| Directors & Officers Liability | Protecting YOU in your capacity as director or officer of a Limited company |
| Professional Indemnity | Protecting YOU in the event that you were negligent in the design of a product |
| Marine Cargo | Protecting your goods whilst being imported or exported overseas |
There are many more covers that we are able to offer, but our commitment to you is: we only recommend the covers you need.
Please contact the Commercial Team today to discuss your requirements.
Whether you are a Commercial or Residential Landlord with many properties or just one, Simpson & Parsons are able to provide a solution to protecting your property or properties whilst being used by a Third Party.
| Covers Offered | Recommended For |
| Commercial | Single or multiple properties |
| Residential | Single or multiple properties and including Residential Associations & Blocks of Flats |
| Holiday Homes | Single or multiple properties |
| Unoccupied Property | Awaiting occupancy or sale |
There are three main strands of cover under a Property Owners policy:
1) The Buildings – this is based on the reinstatement value of your property (as provided by you) and the nature of the occupancy of the building. eg. A tenant manufacturing fireworks is a far greater risk than a business occupying the premises as an office!
2) Property Owners Liability – covering your liability as a Landlord should someone suffer an injury as a result of you neglecting to take care of your building. The classic example of a tile falling from a roof and hitting a passerby would apply here.
3) Loss of Rent – covering your income should your building become untenantable following an insured loss such as Fire, Flood or Storm damage. Cover is usually underwritten in 12 month bands (referred to as an “Indemnity Period”), but we recommend a 36 month period.
You may also wish to consider Employers Liability cover if you employ someone to maintain your property on your behalf.
If you are a Landlord and would like a quotation for your property or properties, please do not hesitate to contact the Commercial Team.
Wherever the general public have access there is an increased risk, particularly when you are inviting them to stay on your own premises!
Fortunately, there are insurance policies for Hotel, Guest House and B&Bs that can be taken out which not only protect you from the general public, but also a whole host of other risks.
Similar to Shops & Offices, these products can usually be placed on a package policy, which can come with additional covers such as Loss of Licence, Frozen Foods and Commercial Legal Expenses to name but a few.
For larger premises that do not fit the package model, one of our Account Executives would welcome the opportunity to meet with you to discuss your requirements in more depth. We can then arrange a bespoke Hoteliers Combined policy that is built around your specific requirements.
Please contact one of the Hospitality team to discuss your requirements and we can advise which option would be best for you.
Whether you have a private vehicle, commercial van or company fleet, we can arrange the insurance for you!
In recent years, many people have taken to the internet in search of cheaper prices for their car and van insurance. Not only can this be time consuming for you, but are you always aware of the terms and conditions of the policy you are buying? What happens when you have a problem or need to make a change?
Lengthy telephone conversations and large adjustment fees? We at Simpson & Parsons understand this and are delighted to be able to give you the benefits of dealing with a broker.
What We Need From You?
A telephone call.A copy of driving licences for all drivers named on the policy
A copy of your renewal schedule or a printed quote as evidence (this can be from a comparison website)
Additional benefits that we can provide include:- Breakdown Cover, Legal Expenses Cover, Keycare..
Key facts and further details of these products are available on request.