General Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

General Insurance

Managing a Healthcare business comes with its own set of challenges which will require a bespoke solution. Our team understand that a generic policy will not cover all angles, so we design insurance programmes to give you comfort to focus on your day-to-day challenges.

Office and Surgery Insurance

You will understand your business better than anyone else, so we have access to specialist insurance packages to cover the risks your clinic faces day to day. We provide bespoke products with insurers that understand your sector. Whether you are a sole practitioner, owner of a multi-practitioner setup, or renting rooms to other therapists, we can design a policy that will be customised to align with your requirements.

Our comprehensive Office and Surgery policy includes full protection for your business assets, revenue, and non-treatment liabilities with a wide range of optional covers, allowing you to tailor a package that meets your needs.

Cover features
  • Protects you from damage or loss to your property and contents
  • Cover for a loss of income and business interruption
  • Liability claims from third parties or employees
  • Optional covers available such as legal expenses, property away from your clinic, book debts, personal accident cover and computer breakdown


Why do I need Office and Surgery Insurance?

As a Partner, Director, Business Owner, or Manager you will have a duty of care to your employees, suppliers and the general public to have appropriate cover in place. Office and Surgery Insurance is here to give you peace of mind by protecting your business against the unexpected. Some covers are legal requirements, and some will be contractual, we can design the product to make sure all needs are met.

How can I apply?

If you have a turnover below £1,000,000 and work from a fixed location, you can apply online via our online portal.

Get a Quote

If you have any questions or issues about your quotation, please contact us at Promedonline@jameshallam.co.uk or 02031 488995.

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Office & Surgery Existing Policyholders

Access our client portal using your existing login details to review your policy documents.

Client Portal


Cyber Liabilities

As the Healthcare Industry modernises its systems and processes to make employee and patient journey easier, the risk of a cyber claim becomes greater. Due to the sensitive nature of data held in the healthcare sector this presents a significant opportunity for criminals and we can work in a proactive way to protect your business. Cyber Insurance is no longer just an insurance policy but provides risk assessments to support you with Cyber Security awareness for your business.

Why do I need Cyber Insurance?

Just because your clinic does not use ‘online’ processes does not mean you are not at risk. If your business holds personal data, you take card payments or even have a website, you are still at risk. There is also the risk of human error and this comes in forms such as sending sensitive information to the wrong recipient, improperly disposing of records, or inadvertently clicking on phishing attacks. We can provide a product that is suited to your business set up and cyber security.

How can I apply?

Please contact 02031 488995 or email Promedschemes@jameshallam.co.uk and one of our advisors can discuss your needs in more detail.

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Cover features can include
  • Security failures – when a hacker exploits a weakness in a business’s digital security
  • Cyber attacks – any kind of digital attack against a business
  • Human error – mistakes leading to a data breach or system outage
  • Extortion – criminal’s using ransomware to hold systems or data to ransom
  • Property damage – physical damage to equipment from a cyber attack
  • Financial crime and fraud – when someone is tricked digitally into transferring money or goods to a criminal
  • Business interruption – loss of income when a cyber event means a business can’t trade as normal
  • Reputational damage – PR and crisis management support
  • Data breaches – where personal or commercial information is accessed illegally


Management Liability Insurance

What is Management Liability Insurance?

Traditionally known as Directors & Officers Insurance, Management Liability Insurance protects company directors, senior managers and officers of charities, board and committees if a negligence claim is brought against them in court or at an employment tribunal.

There a three key areas to a Management Liability policy:

  • Directors & Officers Liability – protects the personal wealth of the directors and any other management staff from the legal costs and awards in defending against, civil criminal or regulatory claims or investigations.
  • Employment Practices Liability – this covers the directors and the business from claims from potential, current and former employees alleging breach of contract/employment law.
  • Corporate Legal Liability – Claims can be made against the directors and officers and also the business itself in tandem. This cover protects the legal entity (business) from defence costs incurred relating to civil, regulatory claim or investigation.
How can I apply?

Please contact 02031 488995 or promedschemes@jameshallam.co.uk and one of our advisors can discuss your needs in more detail.

Email Us
Why do I need Management Liability Insurance?

Claims can arise from a wide range of circumstances, and it is important to remember that a claim does not have to be justified and factual to initiate costly legal defences:

  • Mismanagement
  • Negligence
  • Unfair dismissal or discrimination
  • Libel and Slander
  • Breach of fiduciary duty to the company
  • Trading whilst insolvent Acting outside a manager’s authority/powers
  • Sexual Harassment
  • Anti-competitive behaviour
  • Regulatory Investigations such as Health & Safety Executive and HM Revenue & Customs or the relevant regulatory body by industry

Litigation can come from anywhere. Employees, shareholders, your company, creditors, regulators, customers, competitors, the Government, other directors and suppliers or anyone else who feels they have suffered a loss arising from the Director wrongly acting in their position, can potentially sue you.

Areas of Expertise

Education

Manual Handling & NBE Members

Massage & Fitness

Medical liability insurance

Office & Surgery

Other Therapies

Partners & Associations

UKSCA

College of Paramedics

ACPAT

Move It or Lose It

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Nigel Roberts

Executive Director – Head of London Markets

Nigel started his career with a traditional Marine Lloyd’s Broker in the late 1970s and with a break of 5 years around 2000 when he worked in the UK Commercial Insurance Retail markets, he has spent the rest of his career dedicated to marine insurance and reinsurance clients. The 15 years prior to joining Everard in March 2021 he held positions as Managing Director and Deputy CEO of two Lloyd’s brokers. Nigel has dealt with all classes of the transportation chain and specialises in Hull & Machinery, Protection & Indemnity and water’s edge industries including Ports, Terminals, Shipbuilding and repair yards.

T: 0207 977 7841
M: 07518 913404
nigel.roberts@everardinsurance.co.uk

Justyn Lemar

Marine Trades Division Manager

Justyn started in the Insurance Industry in 1998 as a general insurance broker before progressing into an account executive. Between 2003 and 2007 he broadened his insurance knowledge and took up an underwriting role. Justyn joined Everard insurance brokers in 2014 as an account executive and was appointed Marine Trades manager in 2017. He specialises in Marine Property & Plant, Marine Engineering, Marine Equipment, Marine Liabilities, Marinas & Harbours. Underwriting renewals and new business for our retail division including referrals. He manages and provides insurance solutions for wholesale brokers. Justyn has overall responsibility for the binding authority and is coverholder on behalf of a leading Marine Liability Lloyds syndicate. Justyn services marine trade clients in the UK, EU and Internationally.

T: 01732 224698
M: 07837 006962
justyn.lemar@everardinsurance.co.uk

Brendon Ladner

Marine Small Craft Division Manager

Brendon has worked in the insurance industry since 2013 when he started at a national brokers servicing private clients. Brendon then went onto work for a local broker in 2016 who specialised in marine insurance, predominantly small craft. Having lived near to the Fishing Port of Newlyn his whole life, Brendon grew up with a passion of the fishing industry and so the new role seemed a perfect fit due to the amount of fishing boats insured. This broker was acquired by James Hallam, the parent company of Everard in May 2021 and combining the knowledge of the two companies was fundamental in creating a new Small Craft Division which Brendon now heads up. His team will look for quotes on any vessel including private & pleasure, fishing, any other commercial, both in the UK and Internationally.

T: 01736 805004
brendon.ladner@everardinsurance.co.uk

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