A D S Insurance Brokers Ltd

We have arranged exclusive Policies for the Local Citizens Advice (LCA), its staff and volunteers for over 25 years. This Policy is specifically designed to dovetail with the Group Policies arranged by Citizens Advice. The cover is very wide and premiums very competitive with over 300 LCA's insured under the scheme.

Our experience and expertise has allowed us to understand the particular requirements of our clients. Our main scheme is aimed specifically for people who run a cake business from home and sell their cakes via recommendation, advertising and at craft and wedding fayres. This covers your legal liability to third parties (members of the public, individuals or organisations) for accidental injury to persons or damage to property arising out of your sugarcraft or cake making activities.Also insured is Products Liability which covers your legal liability to third parties arising out of products supplied and includes food poisoning, tuition/partition in craft, and wedding fayres.

Our policies offer a range of covers needed to operate as a Registered Charity or Non Profit Organisation. Having been involved in this sector for over 25 years, we appreciate the financial constraints faced by smaller charities in particular and have taken this into account in our negotiations with insurers.

We currently insure over 100 Town Twinning Associations and pride ourselves that we can offer one of the widest covers on the market. Member to Member Liability - we cover the individual Members in the event of them injuring a co-member. Inclusion of Loss of Money (up to 1000) whilst in transit or custody of an authorised official.

At ADS we regularly review the terms put forward by insurers and check alternatives. As part of the Cobra Network we are able to utilize their considerable buying power to negotiate the best terms for our clients. If you would like us to review your current arrangements free of charge, please contact us.