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Image © Sue Hasker

Came & Company

Enhanced Covers

The following enhanced levels of cover are available:


Buildings including landlords fixtures and fittings, outbuildings, extensions, annexes, adjoining gates and walls, together with other items such as: general contents, street furniture, gates and fences, war memorials, playground equipment, mowers and machinery, sports equipment, natural and other sports surfaces.

The policy covers commercial "all risks" including physical loss or damage in respect of fire, lightning, aircraft, explosion, riot, civil commotion, malicious damage, storm, tempest, flood, theft following forcible entry to or exit from the building, damage resulting from burst pipes, impact and earthquake (but not in respect of buildings in the course of construction) plus accidental damage.

Councillor’s/Clerks’ Motor Policy Excess and No Claims Discount Protection

This section covers you should your car be involved in an accident whilst undertaking council business. You will not be penalised as this section covers the excess and no claims discount that you may lose under your personal car insurance policy.

Key person

This provides cover should the Clerk, Deputy Clerk, Groundsman or Deputy Groundsman be unable to work due to accidental bodily injury or illness (for a period longer than 14 days) and the council needs to employ an additional member of staff/locum to cover duties.

Business Travel

This provides cover for cancellation and curtailment of travel plans while on official Council business.

Equipment Breakdown

This provides cover to repair or replace electrical or mechanical equipment which breaks down. This includes lifts, central heating and air conditioning systems and office equipment.

Business Interruption

Loss of rent following loss due to damage arising from an insured event under the property damage cover.

Whether you are an existing client of Came & Company looking to discuss our enhanced cover offerings or wish to switch from your exisiting insurance provider, please call us on 01256 395020 or email via local.councils@cameandcompany.co.uk and we will be happy to help.