Looking for Enhanced or Additional Insurance Covers?
We are pleased to announce that Elmhurst Energy has entered into a partnership arrangement with Towergate Insurance Brokers, one of the largest insurance brokers in the UK, to provide our members with access to a range of insurance and risk management products.
Towergate’s product range is extensive, so whether you are looking for cover extensions to your free Elmhurst Professional indemnity policy, a separate Commercial Insurance product, or Personal insurance products, everything can be catered for through this one relationship.
Who are Towergate?
With 1850 employees, and over 50 offices stretching from Inverness to Jersey Towergate Insurance Brokers has a large footprint and national reach making it one of the UK’s largest insurance brokers.
With 100s of insurance and risk management products and over 80 schemes and specialisms the majority of members insurance requirements can be catered for.Find out more about Towergate
What are members already covered for?
Elmhurst Energy's insurance policy currently provides free Professional Indemnity (PI) and Public Liability (PL) cover up to the value of £10 million. This policy covers the activities of Elmhurst accredited members for the production of Energy Certificates and reports from other related disciplines.
However, additional activities commonly undertaken by energy assessors such as offering advice (non-verbal, binding), providing explanations, and also giving guidance to property owners, is not covered by this policy. These activities are crucial for energy assessors who want to deliver a full energy assessment and advice service to their clients.
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Obtaining quotations for Enhanced PI Cover through Towergate
Elmhurst members can obtain quotations for PI cover to undertake the following activities provided below:Activities Covered
- Energy assessment using the methodology for which the assessor is accredited, but where the reports are not submitted to Elmhurst
- Production of ad hoc reports to demonstrate the viability of energy saving improvements
- Floor plan diagrams for use by the agent in promoting the property for sale or rent
- Photographs for use by the agent in promoting the property for sale or rent
- Energy saving actions that the occupants can do for themselves
- Explanation of the energy assessment methodology
- Referring building owners to the government endorsed list of approved installers that are able to deliver the recommended measure
- Advice on energy efficiency legislation that impacts on building owners (e.g. minimum energy efficiency regulations) and how to meet them or to claim exemption
- Offering advice to achieve building regulatory compliance calculations to establish a building's energy performance such as: Psi-value calculations, U-Value calculations, Water use calculations and Overheating calculations
Other insurance products that may be of interest to you
Here are a selection of insurance products available through Elmhurst Energy’s insurance partner Towergate that you may find of interest:
Office insurance can protect energy assessors against damage to their office premises, as well as any business interruption that leads to loss of income and equipment breakdown. Business contents insurance covers the cost of replacing or repairing your office equipment if it is accidentally damaged, lost or stolen.
Public and Product Liability
Public Liability insurance can protect energy assessors for claims made against them by clients or members of the public for accidental injury or damage, vital where you are visiting clients premises in the course of your work.
Most businesses with employees are required by law to hold employer’s liability insurance. This type of insurance will protect your business if an employee makes a claim against you for injury or illness caused through their working activities. A liability insurance policy should be taken out to protect anyone you employ, alongside your full-time team.
Cyber and Data Insurance
Businesses are becoming more and more reliant on technology as part of their day to day infrastructure. This reliance on technology has led to an increase in cyber-crime which can include security/data breaches, brand defamation through public domains, or attacks on computer systems. It is estimated that 1 in 3 UK small businesses have fallen prey to this form of criminal activity.
Commercial and Legal Protection
Running a business can bring great satisfaction and reward, but it also brings worries. There are the clients, possibly suppliers and employees, plus a whole range of other interactions and arrangements that all come together to make a business unique – and operational. The problem with all of these hourly, daily, weekly encounters is that they bring the potential for disagreement or dissatisfaction and possibly a costly and stressful legal dispute.
Examples of other insurance covers you may be interested in include: Directors & Officers Insurance, Tools & Equipment, Personal Accident & Travel, Property Owners…and many, many more.