Other Personal Insurance

Protect Your Lifestyle – Including Insurance for Sailing, Travel, Unemployment, and Income Protection.

Get a quote 01132206627

Personal Insurance to Protect Your Lifestyle

Personal insurance these days is about more than home, contents, and motor. That’s why we offer a wide range of covers designed to reflect modern lifestyles – from unemployment insurance, through to personal injury insurance, and leisure related insurance such as travel insurance, cover for hobbies, and a range of other specialist insurance needs.

At NICEIC and ELECSA Insurance Services, we want to help you find the right insurance protection for your lifestyle, and for life’s little luxuries, at the right price. That’s why we work with our sister company, Bluefin – one of the UK’s leading insurance brokers – to offer you advice and support for your personal insurance needs.

The Right Insurance, at the Right Price, for You and Your Family

You will receive advice, guidance, and support to truly understand your lifestyle and help find the right protection.

Cover Available Including*

  • Short-term income protection.

  • Unemployment insurance.

  • Personal accident cover.

  • Personal injury cover.

  • Boiler protection (gas or oil boiler).

  • Canoe and kayak insurance.

  • Firearm, airgun, and shotgun insurance.

  • Travel insurance.

  • Marine insurance including sailing boats, dinghies, and motorboats.

  • Jewellery, antique, and collection insurance.

The Power Behind Your Protection

NICEIC and ELECA Insurance Services has the power to help protect yours and your family’s lifestyles and the things you value.

We’ll help you find comprehensive, flexible and affordable cover – with help from Bluefin – one of the UK’s leading insurance brokers.

Whether you’re into yachting, travel, or simply need work related insurance to help protect your income, Bluefin provides a wide variety of personal insurance solutions to help protect you should the worst happen. 

Get a quote 01132206627

Why Choose Us?

NICEIC and ELECSA Insurance Services is a trading name of SME Insurance Services (SMEi) – and we’re part of Marsh, a global leader in insurance broking and risk management.

We’ll help find you the insurance you need, by calling on the expertise of our sister company, Bluefin – one of the UK’s leading insurance brokers.  

Bluefin has more than 1400 staff in over 40 offices across the UK, and helps thousands of customers find the appropriate insurance they need to protect their families and lifestyles.

Filter by:

Related FAQs

See all FAQs

What is Business Insurance?

Business insurance is designed to protect businesses when they suffer losses while carrying out their usual activities, and is particularly important if a business finds itself facing a claim for compensation. Specific business insurance cover features may include employers liability insurance, public liability insurance, and professional indemnity insurance.

What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

Do I Need Public Liability Insurance?

There’s no legal requirement to have public liability insurance in place, so it’s up to you to decide if you need it – though we’d recommend getting expert advice before deciding not to take it out. It’s fair to say that many businesses that interact with the general public – including tradesmen of most types – will typically take out public liability insurance.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is Employers Liability Insurance?

Employers liability insurance protects you in the event you are held legally liable for accidental death or injury of your employees at work or in connection with your business. It also covers legal costs incurred by employees in making successful legal claims against you.

Do I Need Employers Liability Insurance?

There are some exceptions, but if your business has at least one employee then the likelihood is you will need employers liability insurance. That’s because The Employers' Liability (Compulsory Insurance) Regulations 1998, made employers liability insurance cover of at least £5 million compulsory for any individual or company with employees. The exceptions include: - Limited companies where the owner is the only employee, and owns 50% or more of the issued shares. - Businesses that are not limited companies and only employ close family members

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

Do I Need Employers Liability Insurance if I Use Temporary Workers?

Yes, the requirement for employers liability insurance extends to businesses using temporary or casual workers that are employed on a short-term contract and ad-hoc basis – whether they are clerical or manual workers.

Do I Need Employers Liability Insurance if I Use Sub-contractors?

That depends on whether you use “labour-only” or what’s known as “Bona Fide” sub-contractors. You’ll need employers liability insurance if you use labour-only sub-contractors – but Bona Fide sub-contractors are not treated as employees for insurance purposes.

*As with all insurance, terms and conditions apply. For full details please ask the team when you call.

Related News

Certsure Announces New Relationship with SME Insurance Services

11th August 2017

Providing NICEIC and ELECSA Insurance Services to tradespeople in the UK

A Quick Guide to Insurance

20th July 2017

From Liability Protection to Motor and Property – Find out Which Types of Insurance you Might Need