Stokes of Cambridge
Insurance Services Ltd.
Taxi/Private Hire/Chauffeur - Hire & Reward insurance is where we started! We provide Public or Private Hire policies from industry leaders. All of our policies include public liability. Optional extras for breakdown, excess protect, guaranteed loan vehicle etc are available too. Your taxi or private hire vehicle doesn't have to be insured with us for us to provide the optional extras like breakdown.
Motor Trade - Whether you’re a part-time mechanic/tinkerer or a garage with buildings, ramps, spray booths, customer loan vehicles we’d be happy to look at your current schedule to ensure you’ve got the level of cover you need. Many garages just renew year on year without ensuring their values of equipment and levels of indemnity are still relevant.
Commercial Vehicles - We can insure a single commercial vehicle or a whole fleet. This doesn't have to be standard cars; we can insure vans, lorries and anything in between.
Household Policy - Buildings and/or Contents with high risk items able to be insured too.
Buildings Cover for Residential Property Owners (Buy to Let) - Buildings cover for property owners liability but we can also tailor the policy to include subsidence, rent protection, repossession costs etc.
Tradesmen & Contractors - This policy is aimed at the sole trader or a business with up to 10 employees. Standard cover includes public liability (with a choice of limits), employers’ liability if required but cover can also be extended to cover temporary employees, tools etc.
Retailers - Standard cover includes contents, business interruption, glass, employers’ liability, public/products liability, legal expenses and equipment breakdown.
Offices/Surgeries - Standard cover includes contents, business interruption, employers’ liability, public liability, commercial legal expenses but optional extensions include buildings, subsidence, etc.
Hair & Beauty - Whether you work from home, from third party premises, rent a chair in a salon or have your own salon premises, we can cover you. Standard policy includes business liability including employers’ liability where applicable but optional extensions also include treatment risks, business equipment, legal expenses etc.
Cleaners - Whether you’re a sole trader or a business with up to 10 employees, we can tailor cover include public liability, employers’ liability (if required), loss of keys, damage to property whilst being worked on with optional extensions available to include injury to working partners, cover for tools, business equipment, cleaning stock.
Cafes, Restaurants, Wine Bars & Pubs - A flexible policy tailored to meet your specific needs featuring buildings cover, business interruption, loss of liquor licence, theft by employees, public liability, employer’s liability, money and PA (assault) and commercial legal expenses.
This is not an exhaustive list so if you need any other type of commercial insurance including professional indemnity covering a variety of professions, let us know and we’ll try to help!
Our Underwriters at Head Office love a challenge and are able to offer ‘unusual’ insurances for a variety of non-standard covers including annual events, one-off events, unusual vehicles and have even insured an ex-Army tank and a footballers’ legs!