M J Waldron Commercial Insurance Services is a Dudley based insurance broker delivering bespoke commercial insurance solutions to businesses across the Midlands.
With over 30 years' experience in local business and manufacturing, we are able to provide the very best independent insurance cover available to ensure your business is protected. As your local broker, you can be confident that we are here to support you throughout the term of your cover, not just at inception.
Our diverse client base means that we are we are able to provide bespoke insurance arrangements for your business - regardless which sector you operate within.
At M J Waldron, we will always work with you to provide the best possible insurance cover for you and your business. Just a few of the covers we are able to provide include:
Commercial Buildings & Contents
Employers, Public & Products Liability
Directors & Officers Liability
Employment Law & Entity Defence
Computers & Laptops
Businesses often have specific demands and need an insurance package that meets their exact requirements. As such, we will take the time to fully understand your business. We believe that all clients’ insurance exposures should be identified and clearly explained. The insurance solution proposed should fit your needs and be reviewed regularly to maintain adequacy over time.
Whether you are a new or established organisation, an initial assessment of all exposures facing the business will be carried out. The review is useful to identify any areas where cover can be re-structured for efficiencies. This will also allow for any possible improvements or deficiencies in any current arrangements to be identified. Once discussed and agreed, an insurance solution will be designed and marketed to our network of insurers on your behalf. Our fully costed and recommended insurance solution will be fully explained to you with the opportunity for any questions or changes. There is no cost or obligation for the review.
Manufacturing can be a complex, high risk industry that could face some potential issues, from: investment, energy, environment, costs, processes, new technology and market consolidation. When it comes to your insurance and risk management programmes, you need a broker who understands the knowledge around the sector, the insurance market to shape your insurance programme and understand your business needs by providing great service and protection.
Whether a retailer, manufacturer, distributor, motor trader, fleet operator, property owner or other organisation, bespoke coverage can be arranged at competitive premiums. Such cover may include; Property, Business Interruption, Money, Goods in Transit or Marine Cargo, Employers, Public & Products liability, Computer, Engineering, Financial lines such as Professional Indemnity, Directors & Officers liability, Crime & Cyber Liability.
Being COVID-secure means being adaptable to the current guidance and having measures in place to manage the risk of coronavirus. Key points for businesses to consider:
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Clients with business interruption (BI) insurance can now refer to a policy checker provided by the Financial Conduct Authority (FCA).
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On 15 January, the Supreme Court handed down its judgment on the FCA’s business interruption test case. It remains the case that most SME business interruption (BI) policies are focused on property damage and only have basic cover for BI as a consequence of property damage, so are unlikely to pay out in relation to the COVID-19 pandemic and its effects.
It is important to distinguish between temporarily closed premises due to COVID-19 and previously longer terms unoccupied premises, the responses contained below are specifically for temporarily closed premises due to government guidelines and will not apply for premises that fall outside of the guidelines.
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It is now a legal requirement to carry a physical document known as a Green Card when driving in Europe.