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Howden Prime: Tailored protection for SMEs
Comprehensive general insurance protection for SMEs
In today’s volatile economic landscape, uncertainty isn’t a distant threat; it’s a daily reality. One moment, your business is thriving; the next, a single liability claim, property damage, or unexpected interruption can throw everything off course.
For SMEs, the margin for error is razor-thin. Without the deep pockets or dedicated risk teams that large corporations rely on, even a minor incident can spiral into a major setback.
With Howden Prime, you can safeguard your business against the unexpected, so you can focus on building, creating, and leading with confidence.
Howden Prime brings together similar SME businesses into a single insurance arrangement. This collective structure enables more favourable terms by leveraging the strength of the group.
Underwritten by QBE Insurance, SMEs under Howden Prime receive broader coverage and longer-term price stability that individual SMEs wouldn’t typically secure alone. This unified approach ensures our SME clients are protected not just today, but against the challenges of tomorrow’s market as well.
Benefits of Howden Prime
Enhanced insurance coverage without increased premiums
Protection from individual claims-driven premium increases
Cost certainty gives you confidence to grow your business
Less exposure to inflation driven increases and volatile market conditions
Scope of coverage
- Industrial All Risks
Comprehensive protection for physical loss or damage to property and resulting business interruption, covering a wide range of perils unless specifically excluded.
- Business interruption/ consequential Loss
Protects against financial losses resulting from business interruption due to insured damage to property, such as loss of profits or increased operating costs.
- Burglary
Provides indemnity for loss or damage to property due to theft without involving forcible and violent entry or exit from the premises.
- Money Insurance
Covers loss of money due to theft, robbery, or other insured events while on premises, in transit, or in safes and cash registers.
- Fidelity Guarantee
Protects the insured against financial loss caused by dishonest or fraudulent acts committed by employees.
- Plate Glass
Covers accidental breakage of fixed glass panels, windows, and doors, including the cost of replacement and installation.
- Computers/ electronics Equipment
Provides coverage for sudden and unforeseen physical loss or damage to electronic devices and systems, including data recovery and increased costs of working.
- Comprehensive General Liability
Broad liability coverage for third-party bodily injury, property damage, and personal injury arising from business operations, products, or premises.
- Public Liability
Covers legal liability for third-party injury or property damage occurring on the insured’s premises or as a result of their business activities.
- Products Liability
Provides protection against claims arising from injury or damage caused by products manufactured, sold, or distributed by the insured.
- Group Personal Accident
Offers compensation for accidental death, permanent disablement, or medical expenses incurred by insured individuals during the policy period.
- Work Injury Compensation
Statutory insurance covering employees for work-related injuries or illnesses, in compliance with the Work Injury Compensation Act.
- Commercial motor
Covers loss or damage to commercial vehicles and third-party liabilities arising from their use in business operations.