Many companies that contract the services of your company will insist you have a Waiver of subrogation clause in your insurance policy. All Insurers have a right to recover the cost of a claim that is paid out when another party is responsible for some, or all of the claims. In the oil and gas sector you will most likely be required to have a clause in your policy whereby your Insurer 'waives' (agrees to not enforce) these rights.

Our advice about these agreements

You should only sign Waiver of Subrogation where all contracting parties agree to provide the same Waiver of Subrogation to each other and all parties to any contract.

A Hold Harmless agreement can be specifically requested by companies who contract the services of your company. It means the company that hires you or your firm cannot be held responsible for any injuries, losses or damages that may be caused to you or your company.

Effectively the company are asking you to accept all risks that are associated with you carrying out your contract, and they will not be held legally or financially responsible.

Our advice about these agreements

You should only sign Hold Harmless Agreements where all contracting parties agree to provide the same Hold Harmless to each other and all parties to any contract.

Business interruption can be a lifeline if you are unable to carry out business as usual due to an unexpected event such as fire, flood or the breakdown of essential equipment. Policies are also available to insure your business’s computers against viruses, hackers and other cyber attacks.

Employees travelling for business purposes may not always be covered under their personal travel insurance, especially if offshore or manual work is involved. Business travel insurance includes cover for baggage, medical bills and repatriation costs. Travel to most areas of the world can be considered and cover can include business effects, family members and personal accident insurance.

We can arrange motor insurance for most types of vehicles including business cars, vans, heavy goods vehicles, buses, forklifts, agricultural and contractors type vehicles. Enquiries are welcome from fleet operators or individuals.

A policy aimed at larger business clients wishing to select only the types of covers they feel their business requires, and also suitable where a business has outgrown or no longer fits other “off-the-peg” all-inclusive package insurance products.

Typically the core choices will be Employers Liability, Public Liability and some form of Property insurance but each policy is tailor made after discussion with our experienced Account Executives.

In an increasingly litigious world you can protect your business against legal costs arising from Employment disputes, Contract disputes, Tenancy and Lease disputes to name but a few. We can also offer cover to include representation at Inland Revenue enquiries or in-depth VAT investigations.

When building works commence they are at risk until completed and taken under the principal’s insurance umbrella. This insurance contract cover the works in progress against ‘all risks’ until they have reached effective completion. Cover can include contractor’s own plant and equipment, hired in plant, temporary buildings and employee’s tools.

Cyber-crime is not just restricted to large corporations, every business that uses IT is at risk, and the most frequent cyber-attacks are as a result of human error.

As a business owner you might think your IT professionals are solely responsible for safeguarding your business against cyber-crime, but they are only part of the solution. Having robust IT security processes in place, backed up by a Cyber Insurance policy from H&R Insurance Services, can be the difference between declining or thriving during a cyber-attack.

Provides financial protection for directors and officers of companies in the event they are sued following alleged negligent or wrongful acts whilst performing their duties as they relate to the company, its shareholders, bondholder and creditors.

The Employers’ Liability Insurance Acts makes this cover obligatory by law if you employ anyone but be aware that this could include volunteers working on your behalf or self employed persons providing services of labour only.

Insurance can be arranged for any form of damage to machinery, plant or even computers, including breakdown and consequential loss. Inspection of plant, if required by Statute, on items such as forklifts, hoists and compressors can also be arranged.

This cover will give you access to experienced negotiators that will set up emergency operations to deal with any incident anywhere in the world other than sanctioned territories.

Farms present a wide range of insurance demands including property, liabilities, vehicle and home insurances. We can cater for any combination of livestock and arable farm. Associated businesses such as equestrian establishments are also welcome.

If goods are on the move they are at risk from damage of theft. Our cost effective All Risks solutions put you in control of the insurance and your goods, whether you move them yourself or use carriers we can offer you a cost effective solution.

Businesses can arrange this cover for key employees or for the entire workforce. This type of policy provides a benefit in the event of injury or death of a staff member. Cover can be tailored for your company requirements.

Bespoke insurance packages are provided for sport clubs including golf, football, bowling, rugby, tennis and any other requiring cover. Food and drink establishments of all descriptions and hotels are all catered for.

Insurance products for motor traders are arranged on a bespoke basis. We can arrange policies that protect against loss of material property, business interruption, liability insurance and motor insurance.

This policy will protect your assets and basic liability exposures of Employers Liability and Public/ products Liability. Many policyholders may also require Professional Indemnity cover described below.

H&R provide insurance solutions for companies and individuals who derive income from letting out property. Insurance is arranged for physical property, revenue protection, liability insurance and commercial legal expenses.

From companies with substantial portfolios of commercial properties to individuals letting out one flat, we cater for all types of tenant from students to ‘blue chip’.

This protects professional practices and business consultancies against claims for financial loss arising from their professional errors or lack of care in giving advice to clients.

Many businesses are now required to give evidence that they hold this insurance before being invited to tender. We can ensure the appropriate level of cover is in place for a wide range of professions.

This is the first essential cover required by any business and usually only purchased in isolation by a sole trader and usually catered for by the tradesman’s liability policy mentioned above.

Whether you are a retailer selling stock from a shop on the high street, an online outlet or a service provider such as a hairdresser or beauty salon we tailor your cover to meet the needs of your business.

Joiner, electrician or landscape gardener to name only a few. This cover is available for both sole traders and businesses with employees and can be complemented with a number of additional covers such as cover for your tools, stock or hired in plant equipment depending on your circumstances.

Public or private hire, cars, minibuses or coaches, one vehicle or a fleet, H&R can cater for every scenario. For the larger or more specialised risk, we can visit you to fully evaluate your needs.

Comprehensive or limited cover available for small vans to 44 ton on an individual basis. Multi vehicles owners’ cover will be arranged on a fleet basis.