Frequently Asked Questions

You should notify us immediately, even if you only think you might need to make a claim. We are here to help and quick action could mitigate costs or even prevent a claim. Equally, if you have a routine query on which you would like our opinion, we are always happy to help.

Henry Seymour & Co will help you through the claims process and work with you to get a settlement from the insurer. With our in-depth knowledge of the policy cover and our strong relationships with the insurer, we’re well placed to ensure that you and your business get back to normal as quickly as possible.

No. The insurers will appoint solicitors, where appropriate, to represent you and will pay them directly. You do not need to make any payments to solicitors.

The benefits of arranging your insurance with Henry Seymour & Co include:

• We understand your business. Our policies are designed for your industry.
• Our rates are extremely competitive
• Our policy covers are some of the widest around
• We have been offering insurance to businesses like yours for more than 35 years
• We have provided protection for more than 75,000 customers over the years
• We do not use call centres and are on hand to assist you with any queries you may have
• We will work with you to support you in the event of a claim

Our policies are underwritten by a panel of leading UK insurers. All panel insurers have a minimum of an A rating for financial strength and therefore have the ability to meet ongoing financial commitments.

Yes, at Henry Seymour & Co we understand that paying your insurance premium in manageable monthly instalments can really improve cashflow within your business. We offer a range of different instalment options dependent upon which insurer you choose.

When you contact us for a quotation, we will ask you a range of questions about your business and then offer you one or more quotes to meet your needs. We will explain the differences between the policies and you can decide which policy to choose. Although price is important, as the cover varies between insurers, you should take all factors in to account before making your decision. Whilst we cannot advise which policy you should take, our helpful staff are on hand to give you all the information you need to make your decision.

When you first come to us for a quotation, we will offer you a number of quotations from our panel of insurers. Every year, we will offer renewal terms from your current insurer and if these are not suitable, we may approach all panel insurers again for you and offer you policies to meet your needs. You may then decide each year which policy you would like and can rest assured that you are getting the best value we can offer.

Yes, Henry Seymour & Co (Barkdene Ltd) is authorised and regulated by the Financial Conduct Authority.

Of course! Please contact us – our advisors are here to help you with all your insurance needs.

Public Liability insurance provides protection against your legal liability for injury to third parties or damage to their property arising out of the operation of your business. Limits are available between £1,000,000 and £5,000,000 any one claim and there may be an option to increase this to £10,000,000.

Products Liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by products that you have sold or supplied.

Limits are available between £1,000,000 and £5,000,000 any one year.

Employers’ Liability insurance provides protection against your legal liabilities to pay compensation in respect of injury or illness suffered by your employees or trainees in the course of the business.

Employers’ Liability insurance is a legal requirement if you employ any staff. This includes those who employ trainees or voluntary workers. If you are a limited company and the only employee is also the sole Director, you do not need to purchase this insurance. You also do not legally need to purchase the insurance if you are a family run business and the only employees are close family members.

Business interruption, also known as loss of profits, will cover you for your loss of profits in the event of a claim. So if there was a fire at your premises for example and you were closed for a month to be refurbished, the business interruption section of the policy will compensate you for any profit lost during the time that you were unable to trade.

If you employ staff and pay them over the tax threshold, you will have been allocated an Employers Reference Number (ERN), also known as your PAYE reference. All insurers providing Employers’ Liability cover need to submit the ERN number to the Employers’ Liability Tracing Office (ELTO). ELTO has been set up so that insurers of companies can be traced in the event of a claim being made in the future.

If you have ever been declared bankrupt or entered in to any form of bankruptcy proceedings, you will need to declare this to us and we will need to refer to insurers for you.