Terms of Business

Introduction & Definitions | Terms of Business

These Terms of Business (TOB) refers to both Consumers & Commercial Customers. A Consumer is any natural person who is acting for purposes which are outside his trade or profession. A Commercial Customer is a customer who is not a consumer. To read the terms of business relevant to you click the link above to open or download as a PDF file.

Contact Details

Boshers Ltd
14 Habat Enterprise Park, Clovelly Road Industrial Estate, Bideford, Devon, EX39 3HN
Registered in England 02946794

Tel No. 01237 429 444
e-mail: info@boshers.co.uk

Financial Conduct Authority

From the 1st April 2013 the Financial Conduct Authority is the independent watchdog that regulates financial services. Boshers Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 224623. You can check our status on the financial services register on the FCA website or by contacting the FCA on 0800 111 6768. Our permitted business, to which these Terms of Business Notice (TOB) relates, is the advising, arranging, dealing in and assisting with the placing and administration of General Insurance policies.

Insurance Checklist

This is a broad outline of the main classes of insurance that are available in the market, but it is not exhaustive. Whilst Boshers are holiday home insurance specialists. We are duty bound to advise you that you should insure for all areas of risk. However this decision rests with you, again we must urge you to consider the financial consequences of being uninsured or under insured.

Property

Your buildings and/or contents can be insured against: –

• Fire
• Special Perils of explosion
• earthquake
• aircraft
• riot & malicious damage
• storm
• flood
• escape of water
• impact
• Subsidence
• Theft involving forcible & violent entry or exit
• Other damage of an accidental nature

Other Property Insurances

• Goods In Transit
• Glass breakage including sanitary fittings
• Money, Property away from your premises

Business Interruption

Covers Loss of Trading Profit due to interruption caused by an insured peril for a selected indemnity period – usually minimum 12 months. Various extensions are available, e.g. following damage at the premises of: Suppliers, Customers, Public utilities, or nearby properties restricting access to your premises.

Public Liability

To cover your legal liability for physical injury, damage or loss caused to third parties arising from your business activities – set at a level that that matches your liability.

Products Liability

Covers your legal liability for physical injury, damage or loss arising from goods sold or supplied – set at a level that that matches your liability for all claims, in any one year.

Fidelity Guarantee

Gives the business protection against misappropriation by employees.

Commercial Legal Expenses

An increasingly important insurance, including compensation awards as well as defence costs in employment disputes. Various other costs can be insured e.g. Inland Revenue/VAT investigations, Property disputes, Certain criminal prosecution defence, Data Protection prosecutions, Contractual disputes, Intellectual Property disputes. A legal query helpline is provided, saving you legal costs.

Professional Indemnity

Protects your company’s legal liability for claims made against you alleging financial loss following breach of professional duty or negligence.

Directors & Officers

Increasingly, actions are taken against individual directors and officers of corporate bodies – these individuals are not protected by the limited liability available to shareholders. Directors and Officers cover will afford protection up to the requested indemnity levels.

Marine & Aviation

Covering goods exported and/or imported, as well as other marine and aviation risks.

Travel Insurance

For principals and employees. Can be arranged either for specific journeys or on an annual basis.

Personal Accident

To provide capital sums in the event of death or permanent disability and weekly benefits for temporary disability, for principals and employees.

Engineering Insurance

Cover can be arranged to provide more specific insurance for certain types of plant and equipment. Inspection services can also be arranged to provide regular inspections of plant & equipment, particularly where required by statute.

Terrorism

Protection against acts of terrorism where your other insurance excludes or restricts such cover.

Motor

Tailored insurance for all types and numbers of motor vehicles.

Motor Legal Expenses

Covers Legal costs of recovering uninsured losses such as personal injury and loss of income, following motor accidents, with other valuable benefits and a legal helpline.