## Howden (Endsleigh) ### Combined Insurance - Property insurance including stock and money transfer - Employer's liability insurance (damages and compensation for employees who become ill or injured while working for the business) - Public liability insurance (injury in our workplace from third party claims, i.e. customers and clients) - Product liability (injury via products created, supplied or sold). - Business interruption cover. ## Directors and Officers Insurance - Access to rradar advisory service - see [[legal costs and insurance cover]] - Bail costs - Brexit costs - Costs to reduce potential of a claim - Claims for a wrongful act - Court attendance cover - Crisis public relations costs - Deprivation of assets cover - Personal tax cover - Employment practice claim - Extradition proceedings - Insolvency hearing costs - Investigation costs cover - Management buy-out cover - Manslaughter claims cover - Outside company cover (cover costs of acts outside company) - Personal charity cover - Pollution claims - Retired insured persons cover - Safety legislation claims ## Legal Expenses - Employment disputes and awards, - Breach of employee contracts (breach of restrictive covenants) - Legal defence - Data protection - Tax investigations - Personal injury - Jury service / court attendance costs, including salary. - Debt recovery - Includes legal advice helpline. ## Other policies - Smallcraft - Minibus - Terrorism - Personal accident - for sport players. Elite level. ## Other Providers ### UNUM policy - Assured Futures (now AIG) - About **death** - Covers people in NEST for death in service. - Pays next of kin three times salary.  - Used to be Endsleigh. - Due for renewal on the 1st of October each year? Was in 2025. ### Group Income Protection - Aviva. - About **incapacity** - Group Permanent Health Insurance (PHI). - In terms and conditions of employment. - All permanent staff not fixed term. - Pass probation for over 6 months. Work more Ethan 21 hours a week. Pays portion of salary (70%) after 6 months of incapacity.