Welcome to LCS
LCS is one of the Midland’s fastest growing commercial insurance brokers and risk management specialists providing a range of insurance products and services for all types of commercial businesses. As an independent commercial insurance broker, LCS has access to the complete insurance market and this allows us to source the right insurance cover that best meets your specific needs at the most competitive premiums.
About LCS
Established by John Paul Allcock and Mark Tomkinson, Linkfield Corporate Solutions has a strong emphasis on providing a personal professional service with both main directors continuing to have a day-to-day, “hands on” approach within the business. The company has direct access to major insurance markets. We are able to deal direct with the senior decision makers at insurers and this places LCS in an enviable position, ensuring that our clients receive the advantages of beneficial policy covers as well as substantial cost savings.
Contact LCS
To discuss your individual requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
About LCS
Established by John Paul Allcock and Mark Tomkinson, Linkfield Corporate Solutions has a strong emphasis on providing a personal professional service with both main directors continuing to have a day-to-day, “hands on” approach within the business. The company has unrivalled direct access to major insurance markets. We are able to deal direct with the senior decision makers at insurers and this places LCS in an enviable position, ensuring that our clients receive the advantages of beneficial policy covers as well as substantial cost savings. Other service benefits:
- Service schedules backed by an experienced team that understands your business
- Dedicated and consistent contact points within our company
- Quality service
- Regular reviews of cover to ensure that they meet your needs and requirements
- Claims management and Accident Management service
- Pre-renewal review carried out at least one month prior to your renewal date
- Advice upon the implications of legislation and new insurance products which are likely to impact upon your business
- Risk management support in conjunction with insurers and their consultants.
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Welcome to LCS
LCS is one of the Midland’s fastest growing commercial insurance brokers and risk management specialists providing a range of insurance products and services for all types of commercial businesses. As an independent commercial insurance broker, LCS has access to the complete insurance market and this allows us to source the right insurance cover that best meets your specific needs at the most competitive premiums. We believe in developing successful long-term relationships by providing all our clients with expert service and personal attention.
As experienced insurance specialists, we believe in tailored solutions to large corporate companies as well as small and medium sized businesses. Customer satisfaction is essential to the success of LCS. We work in a highly competitive market and achieve our objectives through the commitment, quality and efficiency of our staff. Our extensive insurance knowledge and skills ensures that we provide you with a high quality service for all your insurance needs. LCS is an active member of the COBRA Network, the UK’s leading, independent network of commercial insurance brokers. COBRA Network membership provides us with direct access to the Lloyd’s market and other specialist insurers including exclusive access to a range for insurance products and schemes that are not available elsewhere.
Employers’ Liability Insurance
Employers Liability Insurance (ELI) can be a particularly thorny issue; in fact a recent survey revealed that over 210,000 small and medium sized businesses in the UK are breaking the law by operating without ELI. That means there are around 1.8 million employees that have no cover in the workplace.
If you employ anybody in your business – even if they’re part-time or casual staff – then you need ELI. The cover protects you against claims from employees for accidents or sickness caused through work.
The legal minimum cover is £5 million, although the more usual limit of indemnity offered by insurers is £10 million. You should display your ELI certificate in a prominent position in the workplace as you may need to produce it on demand.
There are specific types of businesses that are finding it particularly difficult to get ELI, according to a survey carried out by the British Insurance Brokers Association - scaffolders, metal fabricators, coach companies, private mines, children’s nurseries, haulage companies, consulting engineers, roofing contractors and couriers all attract high premiums.
So how can you help reduce your premiums, particularly if you’re in a high-risk business?
You should start off by making sure you’re sticking to all the relevant health and safety regulations. And if you have a good record on health and safety make sure you can prove this to the insurer with the correct paperwork. It’s also worth bearing in mind that insurers may refuse to pay compensation if you haven’t provided reasonable protection for your employees against injury or disease, or if you’ve done something they told you not to do, or you haven’t done something they told you to do, or if you haven’t met any legal requirement connected with the protection of your employees.
If you have a risk you would like to discuss, please email Mark Tomkinson or John Paul Allcock and find out how to protect your business. Alternatively please use our online enquiry form.
Public and Product Liability insurance
Both Public and Product Liability insurance are voluntary for most businesses, but these policies could save you a lot of money in the long term.
Public Liability insurance covers you against any claims made against your business – for example if you were held legally liable for personal injury, or for damage done to property. The insurance will also cover you for any legal costs associated with defending claims against your business.
Even if you work from home it may be that you need Public Liability insurance. If clients often visit you at your home office then this policy will cover you if they injure themselves while they’re on your premises (it could be something as daft as tripping over the carpet!). And don’t forget if you regularly work off-site your policy should apply to off-site as well as on-site jobs.
The premiums will depend on the type of business, your turnover and the number of employees. The problem is working out what level of protection you think you need. The key is not to underestimate – £2 million may sound like a lot of cover, but if you find yourself facing a series of claims from a group of people the legal fees will be large.
It’s also vital to keep your Public Liability policy up-to-date to reflect any changing circumstances in your business. As your business expands you’re likely to find your risks grow too.
Product Liability
If you manufacture or supply goods, there’s always the possibility that your product could cause damage to a third party – that could be property or another person. A small defect could open you up to massive claims, so this cover is vitally important for product manufacturers.
Look for a policy that guards you against safety claims, manufacturing quality, spoilage and indemnity costs (medical bills and so on). And remember Product Liability is designed to cover you against unforeseen circumstances, if you simply make an inferior product or supply bad services then you’re not going to be able to make a claim.
You can reduce your premiums by taking quality control measures beforehand, and you should make sure your insurer knows of any measures you’ve taken – it could affect your premiums.
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Protecting professionals and their business
We can tailor specialist policies to protect all classes of professionals. We are particularly knowledgeable in the IT, e-commerce and technology fields. Typically our customers include the following professions:
- Accountants
- Architects
- Associations
- Consulting Engineers
- Design and Construct
- Environmental Consultants
- Estate Agents
- IT Consultants
- Management Consultants
- Miscellaneous Professionals
- Surveyors
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Insurance that protects you personally
Under current legislation a Director or Officer of a company can be held personally liable for their actions. Although your company has limited liability you have unlimited personal liability. All your personal assets are at risk, everything you have ever worked for in the past, your home, savings, investments and car could all be taken away from you because of a seemingly small error of judgement. Cover is available to protect Directors and Officers, including their personal property, and the company against claims from other parties such as shareholders, financial institutions, clients, suppliers and employees alleging wrongful acts or failure to carry out their duties.
Click here to read examples of typical claims against company directors.
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Employment Practices Liability
Cover provides protection for employment disputes (including the possible consequences of 'whistle blowing') and extends to cover costs incurred at official investigations, inquiries and other proceedings instigated against the business by proper authorities, in respect of employment discrimination and health and safety.
An Employment Helpline with direct access to fully qualified and experienced solicitors is available.
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Business interruption insurance
Loss of profits following fire including lighting and explosion Special perils (including aircraft, earthquake, riot, civil commotion, riot fire, malicious damage, storm, tempest, flood, burst pipes, sprinkler leakage, impact damage, subsidence, landslip, heave, spontaneous combustion, strikes and accidental damage). Extensions include:
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If you have a risk you would like to discuss, please email Mark Tomkinson or John Paul Allcock and find out how to protect your business. Alternatively please use our online enquiry form.
Commercial / Industrial - complete business protection
We act for a wide range of commercial business ranging from family run concerns to Plc’s. We deal with insurers that can provide competitive premiums and wide cover no matter what the size of your company.
Material Damage
To protect all assets of the business including buildings, fixtures/fittings, plant/machinery, office contents, stock, customers goods/work in progress etc from/against loss or damage as a result of fire, lightning, explosion, aircraft, theft, riot, malicious persons, earthquake, storm, flood, escape of water, impact by vehicles or animals and accidental damage. Optional cover available for terrorism, subsidence and if applicable sprinkler leakage.
Goods in Transit
Whilst in transit within the UK via own vehicles and hauliers vehicles. Goods in Transit available for imported/exported goods to/from other parts of the world.
Computer Breakdown
Breakdown of key computers/equipment/plant. Increased Cost of Working/Reinstatement of Data following breakdown.
Money
Whilst in the premises (in & out of safe) and during transit to & from the bank.
If you have a risk you would like to discuss, please email Mark Tomkinson or John Paul Allcock and find out how to protect your business. Alternatively please use our online enquiry form.
Protecting all types of business in the construction industry
We specialise in creating comprehensive and cost effective insurance protection for property and construction businesses of all types and size.
Provides cover for materials on site forming part of the contract works and can include owned and hired in plant and employees tools and personal effects. Contract works cover provided up to handover or as required by contract.
Provides the business with cover against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.
Provides cover for the business’s material property for loss or damage as a result of Fire, Lightning, Explosion, Aircraft, Theft, Riot, Malicious Persons, Earthquake, Storm, Flood, Escape of water, Impact by vehicles or animals and Accidental Damage.
Cover is provided in respect of legal liability to pay compensation including legal costs for
- accidental death or personal injury to any person excluding employees
- accidental loss or damage to third party material damage
A performance bond is a financial tool used to guarantee that in the event of a developer or contractor's default, funds are available to finish the construction or other project. This is usually required where the insolvency of a contractor during the period of the contract will most likely result in delayed project completion and additional expenses for an alternative contractor to finish the work.
The Joint Contracts Tribunal (J.C.T.) Standard Form of Building Contract is in everyday use in the construction industry. Its provisions are extensive and include a number of clauses requiring insurance protection to be effected.
21.2.1 insurance protects the Employer in respect of any expense, liability, loss, claim or proceedings which they may incur or sustain by reason of injury or damage to any property other than the Works and Site Materials caused by collapse, subsidence, heave, vibration, weakening or removal of support or lowering of ground water arising out of or in the course of or by reason of the carrying out of the Works excepting injury or damage.
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Bespoke insurance solutions for your property portfolio
If you're a managing agent with a portfolio of properties – whether residential or commercial – we can build a 'tailor-made' insurance programme to meet your individual needs. Typically this would include the property, income protection and liability insurance.
Material Damage
- Fire, lightning, explosion, earthquake, theft, riot, malicious persons, storm or flood, escape of oil or water, impact by vehicle or animal, breakage or collapse of aerials, accidental damage.
- Landlords’ fixtures and fittings, outbuildings, roads, garden machinery, garden furniture, trees, plants, etc.
- Contents of common parts, including: furniture, carpets, curtains, equipment and tenants’ improvements.
Property Owners Liability
- Legal liability
- Legal costs
- Indemnity to principals, directors and employees
Employers’ Liability
Protects employers against damages and legal costs which arise as a result of employees suffering an injury or disease due to, and during, their employment. To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Accident Management / Credit Hire
LCS have an exclusive Motor Fleet scheme for Accident Management Companies.
We are brokers to many of the leading companies in the UK and have extensive knowledge and experience of the credit hire industry.
Our scheme caters for a wide range of Accident Management Companies including Private & Public Hire.
Scheme Benefits include:·
Competitive Premium based on Daily Rate, Turnover or Rate Per Vehicle.
- Wide Hirer Criteria.
- Profit Rebate i.e Return of Premium subject to Claims Experience.
- Excellent claims service, to enable you to get the vehicle back on the road.
- Cover can include replacement vehicles for Public/Private Hire, Driving Schools.
For more information please contact John Paul Allcock on 0121 234 7893.
Alternatively, please use our online enquiry form.
Expertise to source the right cover for your motor business
The market for motor and motor fleet insurance continues to be dynamic, however our unrivalled expertise ensures we can secure the correct cover to meet for your specific needs. Motor insurance cover is a very price competitive business but at what point does price cease to be the prime motivation and cover become all important? Higher value private vehicles can benefit from wider cover than is usually available in the open market including
- Quality Courtesy Car - not all insurers guarantee a courtesy car in case of theft or whilst in for repair following an accident, and even if one is provided the car usually depends on availability and can often prove inadequate.
- Choice of Repairer – you may wish to use your own preferred garage for insurance repairs.
- No Excess – for situations over which you have little control, for example total loss due to theft or fire, you will not penalised by having to pay an excess.
Covers can also be provided for motoring legal helpline, legal expenses and breakdown cover. To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Insurance cover for small and large motor traders
We offer a full range of motor trade insurance policies & are specialist Motor Trade brokers for:
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Our Motor Trade facilities include:-
- Road Risks Cover
Provides insurance for the business in respect of vehicles belonging to the business or in their custody or control.
- Liabilities
Protection against claims arising out of the legal liability to third parties and also employees arising in the course of the insured’s business. Internal Risks
- Property Damage
Cover for loss or damage to customers or own stock, vehicles whilst at the business premises, cover for buildings, contents and stock.
- Business Interruption
Provides financial recompense following a reduction in business following an insured incident under the property section.
To discuss your individual business requirements contact either Mark Tomkinson or John Paul Allcock. Alternatively please use our online enquiry form.
Document Library
If you currently do not have the Adobe Acrobat Reader installed on your system, it can be downloaded (for free) by clicking on the image below:
Terms Of Business
LCS' Terms of Business can be found here. If you should have any questions regarding our Terms of Business please contact us using our online enquiry form.
Links
CII (Chartered Insurance Institute) www.cii.co.uk The CII is the premier professional organisation for those working in the insurance and financial services industry. It is dedicated to promoting higher standards of competence and integrity through the provision of relevant qualifications for employees at all levels and across all sectors of the industry.
HSE (Health and Safety Executive) www.hse.gov.uk Britain's Health and Safety Commission (HSC) and the Health and Safety Executive (HSE) are responsible for the regulation of almost all the risks to health and safety arising from work activity in Britain.
FSA - Financial Services Authority www.fsa.gov.uk The Financial Services Authority (FSA) is an independent non-governmental body, given statutory powers by the Financial Services and Markets Act 2000.
Association of British Insurers (ABI) www.abi.org.uk The ABI (Association of British Insurers) represents the collective interests of the UK’s insurance industry. The Association speaks out on issues of common interest; helps to inform and participate in debates on public policy issues; and also acts as an advocate for high standards of customer service in the insurance industry.
Testimonials.
We pride ourselves on the service we provide our clients. Below are testimonials we have received from clients.
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If you currently do not have the Adobe Acrobat Reader installed on your system, it can be downloaded (for free) by clicking on the image below: