HGV Insurance

Konsileo Insurance Cover

Konsileo specialise in a plethora of industry sectors. You can find out more about the work they do and the industry sectors they insure below.

Fleet, courier, haulage & taxi

The motor fleet sector is a busy one, with 15,695 delivery and courier companies, 251,000 licensed taxis, and 34,000 road haulage companies trading in the UK. Businesses in this sector need to have adequate insurance coverage to protect themselves from a variety of risks.

Common insurance policies for fleet businesses include:

• Goods in transit: This policy covers the cost of goods that are damaged or lost while in transit.
• Public liability: This policy covers the cost of damages or injuries that are caused to third parties by the business's vehicles.
• Employers' liability: This policy covers the cost of damages or injuries that are caused to employees by the business's vehicles.

In addition to these common policies, fleet businesses may also need to consider insurance for:

• Accidental damage to vehicles: This policy covers the cost of repairs or replacements if a vehicle is damaged in an accident.
• Vehicle theft: This policy covers the cost of replacing a vehicle if it is stolen.
• Drivers' legal expenses: This policy covers the cost of legal fees if a driver is involved in an accident.

It is important for fleet businesses to choose the right insurance policies to protect themselves from the risks that they face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for fleet businesses. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for fleet businesses.

Transport, Storage & Distribution

The transport, storage, and distribution sector is a vital part of the global economy. It includes industries that provide the transportation of passengers and cargo, warehousing and storage, scenic and sightseeing transportation, and support activities. With almost every facet of modern society relying on at least part of this supply chain, its importance can never be understated.

The sector has been growing rapidly in recent years, due in part to the rise of online shopping. In the UK, the transport, storage, and distribution sector employs around 1.5 million people and accounts for around 155,000 business premises. The sector is also a major contributor to the UK economy, generating £130 billion in annual revenue.

The transport, storage, and distribution sector is facing a number of challenges, including the need to adapt to changing consumer demands, the need to improve efficiency, and the need to meet environmental regulations. However, the sector is also well-positioned to take advantage of new opportunities, such as the growth of e-commerce and the development of new technologies.

Insurance for the Transport, Storage, and Distribution Sector

The transport, storage, and distribution sector is a complex and dynamic industry, and as such, it is important for businesses in this sector to have adequate insurance coverage.

Insurance can help to protect businesses from a variety of risks, including:

• Personal accident and illness
• Goods in transit
• Cyber liability
• Disposal costs
• Unauthorized delivery
• Pollution

There are a number of different insurance policies available to businesses in the transport, storage, and distribution sector. The best policy for a particular business will depend on the specific risks that the business faces.

Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in the transport, storage, and distribution sector. Konsileo has a team of experienced insurance professionals who can help businesses to identify their risks and select the right insurance policies to protect their businesses.

If you are a business in the transport, storage, and distribution sector, Konsileo can help you to get the insurance coverage you need to protect your business. Contact Konsileo today to learn more about our insurance solutions.

Manufacturing

The manufacturing sector is a vital part of the UK economy, employing over 2.5 million people and generating £168 billion worth of output in 2020. The sector is made up of over 150 different sub-sectors, each with its own unique risks.

Common risks in the manufacturing sector include:

• Business interruption: This is a major risk for any business, but it can be particularly devastating for manufacturers, who often have long lead times and high fixed costs.
• Machinery damage: This can be a costly and disruptive event, and it can often lead to production delays or even shutdowns.
• Product liability: This is a risk for any business that sells products to consumers, but it is particularly important for manufacturers, who are responsible for the safety of their products.
• Cybersecurity: This is a growing risk for all businesses, but it is particularly important for manufacturers, who often have sensitive data and intellectual property.

The UK is the 9th largest manufacturing nation in the world, and the sector is expected to continue to grow in the coming years.

This growth will be driven by a number of factors, including:

• The increasing demand for manufactured goods from emerging markets.
• The continued development of new technologies, such as 3D printing and robotics.
• The UK's strong track record in innovation and research and development.

However, there are also a number of challenges facing the manufacturing sector, including:

• The rising cost of labor and materials.
• The increasing competition from low-cost countries.
• The uncertainty surrounding Brexit.

Despite these challenges, the manufacturing sector remains a vital part of the UK economy, and it is well-placed to continue to grow in the coming years.

If you are a manufacturer, it is important to have adequate insurance coverage to protect your business from the risks that you face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for manufacturers. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for manufacturers.

Agriculture, Forestry & Fishing

The agriculture, forestry, and fishing industry is a vital part of the UK economy, employing nearly a million people and generating over £20 billion worth of output in 2020. The sector is made up of over 10 sub-sectors, each with its own unique risks.

Common risks in the agriculture, forestry, and fishing industry include:

• Weather events: Extreme weather events, such as floods, droughts, and storms, can cause significant damage to crops and livestock.
• Pests and diseases: Pests and diseases can also cause significant damage to crops and livestock.
• Market volatility: The prices of agricultural commodities are often volatile, which can make it difficult for farmers to plan for the future.
• Brexit: The UK's exit from the European Union has created uncertainty for the agriculture, forestry, and fishing industry.

Despite these challenges, the agriculture, forestry, and fishing industry remains a vital part of the UK economy. The sector is well-placed to continue to grow in the coming years, as the global population continues to grow and demand for food increases.

If you are a business in the agriculture, forestry, or fishing industry, it is important to have adequate insurance coverage to protect your business from the risks that you face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in the agriculture, forestry, and fishing industry. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for businesses in the agriculture, forestry, and fishing industry.

Construction

The construction sector is a vital part of the UK economy, employing over 2.9 million people and generating £130 billion worth of output in 2019. The sector is made up of a variety of sub-sectors, including residential, commercial, industrial, and infrastructure projects.

Common risks in the construction sector include:

• Accidents: Construction sites are inherently dangerous, and accidents can happen at any time.
• Damage to property: Construction projects can often damage property, both on and off the site.
• Liability claims: If someone is injured or property is damaged as a result of a construction project, the contractor may be liable to pay damages.
• Insurance: Construction projects are complex and involve a variety of risks. As such, it is important for contractors to have adequate insurance coverage to protect themselves from these risks.

The UK construction sector is expected to record an average growth of 3% between 2022-2025.

This growth will be driven by a number of factors, including:

• The UK's aging population: The UK's population is aging, which will lead to an increased demand for new housing and infrastructure.
• The UK's commitment to net zero emissions: The UK has committed to net zero emissions by 2050, which will require significant investment in new infrastructure, such as renewable energy generation and energy efficiency measures.
• The UK's exit from the European Union: The UK's exit from the European Union has created uncertainty for the construction sector, but it has also created opportunities, such as the potential for increased investment in infrastructure projects.

Despite these challenges, the UK construction sector is well-placed to continue to grow in the coming years. The sector is a major driver of economic growth and employment, and it is essential to the UK's future prosperity.

If you are a business in the construction sector, it is important to have adequate insurance coverage to protect your business from the risks that you face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in the construction sector. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for businesses in the construction sector.

Retail & Wholesale

The retail and wholesale industry is a broad sector that encompasses any business that sells goods to consumers or other businesses. The wholesale industry tends to be more specialized, and mostly only sells to other businesses rather than an individual customer. Retail sells goods to consumers and tends to provide a wide range of goods.

Common insurance policies within the industry include:

• Buildings and contents insurance: This policy covers the cost of repairs or replacements if a building or its contents are damaged or destroyed.
• Goods in transit insurance: This policy covers the cost of goods that are damaged or lost while in transit.
• Motor fleet insurance: This policy covers the cost of repairs or replacements if a vehicle is damaged or stolen.
• Public and employers' liability insurance: This policy covers the cost of damages or injuries that are caused to third parties by the business or its employees.
• Cyber insurance: This policy covers the cost of damages or losses that are caused by a cyber attack.

There are also more specialized policies that can help cover product recall, as well as frozen or chilled stock.

E-commerce has become a major force within the industry, encompassing 28% of all sales in the last couple years. Because of the rise in e-commerce, and the undeniable importance of online retail post-pandemic, the need for cyber insurance has also dramatically increased. Independent stores are particularly at risk due to the general lack of cyber security, with Visa estimating that 95% of the credit card breaches reported were targeted at their smallest business customers, so it is even more imperative for smaller businesses to ensure they are fully protected.

If you are a business in the retail or wholesale industry, it is important to have adequate insurance coverage to protect your business from the risks that you face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in the retail and wholesale industry. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for businesses in the retail and wholesale industry.

Motor Trade

The motor trade is a vital part of the UK economy, employing over a million people and generating £78.9 billion in turnover in 2020. The sector is made up of a wide range of businesses, from car manufacturers and dealers to repair and maintenance shops.

The motor trade is facing a number of challenges, including:

• The rise of electric vehicles: The popularity of electric vehicles is increasing, and this is posing a challenge to the traditional car industry.
• The COVID-19 pandemic: The COVID-19 pandemic has had a significant impact on the motor trade, with sales of new cars falling sharply in 2020.
• Brexit: The UK's exit from the European Union has created uncertainty for the motor trade, as it is not clear how the UK will trade with the EU in the future.

Despite these challenges, the motor trade is expected to continue to grow in the coming years.

This growth will be driven by a number of factors, including:

• The increasing demand for cars in emerging markets.
• The development of new technologies, such as self-driving cars.
• The UK's strong track record in innovation and research and development.

If you are a business in the motor trade, it is important to have adequate insurance coverage to protect your business from the risks that you face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in the motor trade. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for businesses in the motor trade.

Utilities, Waste Management & Recycling

Utilities, extraction, and waste management are essential to the UK economy, employing over a million people and generating £120 billion in turnover in 2019. The sector is made up of a wide range of businesses, from power and gas companies to water companies and waste management firms.

The sector is facing a number of challenges, including:

• The transition to a low-carbon economy: The UK government has committed to net-zero emissions by 2050, and this will require a significant shift away from fossil fuels.
• The increasing cost of energy: The cost of energy is rising, and this is putting pressure on the profits of utilities companies.
• The need to invest in new infrastructure: The UK's infrastructure is aging, and this will require significant investment in the coming years.

Despite these challenges, the sector is expected to continue to grow in the coming years.

This growth will be driven by a number of factors, including:

• The growing population: The UK population is growing, and this will create a need for more infrastructure, such as power plants and water treatment facilities.
• The development of new technologies: The development of new technologies, such as renewable energy, will create new opportunities for the sector.
• The UK's strong track record in innovation and research and development: The UK is a world leader in innovation and research and development, and this will help the sector to stay ahead of the curve.

If you are a business in the utilities, waste management, or recycling sector, it is important to have adequate insurance coverage to protect your business from the risks that you face. Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in these sectors. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for businesses in the utilities, waste management, and recycling sectors.

Marine Trade

The marine trade is a vital part of the UK economy, moving 95% of the UK's trade in goods, contributing £18 billion to the economy, and directly employing 227,000 people. The sector is made up of a wide range of businesses, from harbor commissioners to yacht clubs.

Common policies include:

• Business interruption: This policy helps protect your business if there is a blockage of quay or berth, as well as damage to equipment or property (ashore or afloat).
• Loss of stock: This policy covers the cost of stock that is lost or damaged.
• Interruption to trading: This policy covers the cost of lost profits if your business is unable to operate due to an insured event.
• Public/employers'/product liability: This policy covers the cost of damages or injuries that are caused to third parties by your business or its employees.
• Legal expenses: This policy covers the cost of legal fees if you are involved in a lawsuit.

However, due to the unique nature of the sector and its businesses, specialist policies are essential. For example:

• Marine hull: This policy protects against damage to a ship or boat.
• Cover for shows or exhibitions: This policy covers the cost of damage to equipment or property that is being used at a show or exhibition.
• Yacht yard indemnity: This policy covers the cost of damage to a yacht that is being repaired or maintained at a yard.
• Marine cargo: This policy covers the cost of goods that are being transported by sea.

There are plenty of options and combinations to protect your business properly. Konsileo is a leading insurance broker that specializes in providing insurance solutions for businesses in the marine trade. Konsileo can help you to identify your risks and select the right insurance policies to protect your business.

Contact Konsileo today to learn more about our insurance solutions for businesses in the marine trade.