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.
Our insurer partner Axa Insurance have produced industry specific risk management guides to help you reduce the risks associated with your business and keep your business operational as well as protecting your staff and customers safe.
A common mistake many organisations make is to leave responsibility for managing cyber risk to the IT department. In reality, improving cyber security and cyber resilience is an enterprise-wide challenge, which requires buy-in from every employee.
While Manufacturing comprises just 5% of the UK’s businesses, it accounts for 10% of employment and 14% of turnover. Of the 270,000 firms that make up this diverse sector, just over half (138,050) are micro and SME manufacturers. Find some practical risk management advice for small and midsize manufacturing businesses:
Water leaks that go unchecked can cause thousands of pounds worth of damage and properties can take months to dry out before repairs can be completed. You may, therefore, need to relocate to alternative premises in order to continue to operate.
The changes follow a public consultation on a review of The Highway Code to improve road safety for people walking, cycling and riding horses. It ran from July to October 2020, and received more than 20,000 responses from the public, businesses and other organisations. The changes were made to The Highway Code on Saturday 29 January 2022. Here are the key changes that you need to know about:
Many contracting businesses who do not specifically design anything for a fee will be unaware of the potential risks they may face in not carrying Professional Indemnity cover. In the increasingly litigious society we live in, where it would seem that everyone wants someone to blame, should you consider cover just to protect yourself if something goes wrong?
There are several factors that now make indexation more important than ever. One factor is the significant rise in demand for building materials, and disruption to the global supply chain caused by the pandemic and national lockdowns. Certain elements of Brexit and local shortages of suitable labour are also affecting rebuilding and claims costs.
Whilst it’s not a risk you like to think about, the possibility of internal theft or fraud is one anyone who has employees or places trust in a contractor needs to take heed of.
Young people can be keen to learn and may bring fresh perspectives and ideas into the workplace. However, their capabilities are generally less developed than those of experienced and mature employees and their individual characteristics must be taken into account.
The portion of businesses buying cyber insurance reportedly doubled in 2020. Unfortunately, the very same factors that led to this rush to buy, have also led to a change in the dynamics of the cyber insurance market. More cyber criminals are being drawn into the space by increasingly lucrative earnings, and this has led to a rise in frequency of claims.