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We offer tailored insurance solutions to help you across all areas of your life, from business to home.
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Tel. 07771577307 Email: office@bluediamondacc.com
Life Protection Covers
Life Insurance
If you are concern about financial future of your love ones in case of you no longer being around.You should consider Life Insurance that can help your family deal with the financial impact of your death. They could receive a lump sum up if you die or are diagnosed with a terminal illness.
Relevant Life insurance
Could be taken out on behalf on company directors as well as any employee of a sole trader, partnership, limited liability partnership. Premiums are paid by company and are usually deemed an allowable busines expense for corporation tax relief. These are single live policies covering one relevant life and benefits are paid to the family of the insured person via a relevant life trust and in most cases the benefits are paid free of inheritance tax – provided they’re paid through a discretionary trust.
Health Insurance
Also called Private Medical Insurance (PMI) gives you access to private healthcare with no delay and helps to cover all or some of medical costs.
Critical Illness
Policy helps protect you in the event of serious illness or injury during policy term. It pays out tax-free lump sum regardless of the life insured’s ability to work and funds can be used for any purpose, whether for the reduction of debts, to cover health-related costs, or make lifestyle changes (such as reducing working hours). It is worth to consider taking out Critical Illness cover as even; children and strong and young people are diagnosed with illnesses they have little chance of preventing – like cancer.
Income Protection
Is intended to help you get back on your feet, covering your monthly income if you’re unable work due to sickness or injury. It is a long-term insurance policy that pays you monthly income until you retire or can return to work.
Buildings & Contents
Policy is designated for individuals and landlords. Covers your property in the event of loss of and damage, caused by fire, break-ins, and weather events. You can also cover your home contents like furniture, computers, TVs etc.
Commercial Insurance
Employers Liability will protect your firm against any claims made by an employee due to injury or sickness influenced from their place of work.
This Product is usually a add on onto the professional indemnity and public liability insurance.
Professional Indemnity is a product that covers you in event of a claim by the public due to negligence, error, or omission.
Cyber Protection is a form of cover to protect your firm from online threats that can be caused by hackers. Such as data breaches and malicious cyber hacks on your work computers or laptop.
Public Liability covers you from claims made due to injuries or damages causes by your business activities.
Venues (Shops, Restaurant Pubs, Café) A wide variety of risks can be covered such as Stock, Contents Cover, Business Interruption, Money, Goods In transit, Book Debts, Employers and Public Liability.
Tradesman + Company Services Tradesman insurance is a business policy for professionals in the trades that covers several different important aspects, including your equipment.
Cover for your ongoing works, compensation costs following a legal claim against you and other optional extras depending on the specific work you do.
Fleet 3+ Vehicles Cars/Trucks Fleet insurance provides cover across a fleet of business vehicles. It allows you to insure all vehicles under one policy rather than individually
Property Portfolio: Buildings/Development Cover properties in a single policy! Cover varies from Material Damage to Buildings and Contents, Property Owners Liability, Loss of rent, Employers Liability.