01502 537773
About Us
Who Are We ?
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Insurelink (East Anglia) Limited are independent insurance brokers based in Lowestoft. We offer a wide range of insurance solutions for business and industry with a specialist interest in the leisure industry.
We pride ourselves on our consultative approach to finding you the best possible cover at the best possible price. We offer products from some of the strongest insurers in the UK utilising our knowledge and expertise to deliver bespoke insurance solutions.
We are members of the British Insurance Brokers Association and are authorised and regulated by the Financial Conduct Authority (FCA)
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Independent Advice
Insurelink is a family owned business and is not connected or affiliated to any buying group, network or insurer. This enables us to remain truly independent offering recommendations and advice from wide range of insurers from across the market. As well as offering advice on the products we sell, we can also provide guidance on Risk Management and recommend insurers for there service levels and claims paying ability based on our past experience.
Choice of Insurer
We deal with some of the strongest insurers in the UK. We have unrestricted access to the Company markets, as well as access to the Lloyd's and International Markets. This allows us to source our customers with the best insurance deal for them. Our panel of insurers underwrite the insurance for the majority of our customers, however, where more specialist cover is required, we can source quotations from a wide range of insurers who not only understand the risk, but have the capacity to underwrite the risk.
Specialist In House Underwriting
Certain insurers have entrusted us with binding authorities which allows us to underwrite policies on their behalf, this enables us to utilise our local knowledge and expertise in certain trade sectors to offer truly bespoke insurance solutions, this particularly useful where a customer may be struggling to obtain cover, perhaps due to an adverse claims history. We take a pragmatic approach to these risks and always seek to offer a sensible tailored solution where possible.
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Why do showmen need insuranceAs with other businesses, Amusement Parks and Fairground are exposed to the possibility of legal action being taken against you in respect of your legal responsibility for personal injury or property damage arising during the course of your activities. Claims in respect to these liabilities can be expensive to defend and even more costly if you are found legally liable. Our showman insurance is designed to protect you against these losses by providing you with insurance in respect of awards made against you and the defence costs of any claim.
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What type of cover do showman need?Showman Public liability insurance protecting you against claims made against you in respect of your legal liability for personal injury or damage suffered by third parties. The public liability insurance can also include products liability insurance to protect you against claims made against you arising from the sale or supply of a product. Showman Employers liability protecting you against claims made against you in respect of your legal liability for death, disease or injury sustained by an employee during the course of their employment.
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How do I get a Showman Insurance Quote?Its easy to get a quotations for your showman liability insurance, simply complete our on-line form or call us directly on 01502 537773 to discuss your requirements with one of our friendly team of specialist staff. We can usually provide instance quotes over the phone.
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How much will showman insurance cost ?As with any Insurance, showman’s Insurance is based upon the risk information relevant to your business, Prices will depend on the type of rides you operate, the number of people engaged in the business and whether you have previously had claims made against you.
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How much cover do I need?The limit of indemnity is the maximum amount the insurer will pay out for a single claim. This limit is set by you based upon your requirements. Common limits under these policies are £1M, £2M £5M if you are a member of the Showman Guild of Great Britain it is likely that you will have the excess layer £9M over £1M cover that they provide, if this is the case your will only need to purchase the primary £1M cover to give you a total showman liability coverage of £10M.If you are not a member of the Showman’s Guild you will need to decide how much cover you think you will require and this may depend on the type of work you undertake, but more commonly these days, the contractual requirements you work under such as requests for a certain limit from local authorities, say for instance you were holding a Fair on council owned land. For employer’s liability, the statutory minimum is £5M although in practice policies are not issued with a limit of less than £10M. What is the excess on showman liability insurance policy? The policy excess is an amount of money that you are responsible for in respect of each and every claim that occurs under your showman insurance policy. The policy excess on our showman insurance policies applies to property damage claims under the public liability insurance and this is commonly £250 or £500. There is no policy excess in respect of claims for personal injury under either the public or employers liability insurance policies.
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What other showman insurance can you help with?We offer all aspect of cover for showman including Equipment Cover Showman Commercial Vehicles, Chalet and Showman Site Liability - If in doubt, call us we'd be happy to help !