TL Dallas has a wide range of clients across the following business sectors. We have the expertise to tailor insurance and risk management packages to your specific needs. Please contact your nearest branch for further details.

Books & Collectables

 

Books & Collectables is a specifically designed policy for this specialist area and is approved by the Provincial Booksellers Fairs Association.

 

Our insurance solutions include:

Fire, Specified Perils, Theft, Accidental Damage, Book Debts, Money, Glass, & Business Interruption, Bookfairs, Trade fairs, Exhibitions, Temporary Locations, Post/Courier services & Defective Title, Employers Liability, Public Liability, Products Liability & Terrorism.

 

Policy Features some of our clients enjoy:

Dealers & Binders:

  • Items in transit worldwide by postal/courier service
  • Stock, goods in trust and ancillary display equipment at book and craft fairs
  • Stock temporarily at other locations including transit to and from
  • Defective title cover as standard
  • Depreciation cover

Collectors:

  • No need to specify all items that require cover 
  • Depreciation cover
  • £10,000 other locations cover included as standard
  • £10,000 any one parcel goods in transit by post/courier cover included as standard 
  • Can cover numerous types of collectables as well as books

 

Exclusions/Limitations:

  • Losses discovered solely at stocktaking
  • Mildew, moth, vermin, damp or any gradually operating cause
  • Water damage to stock in basements stored below 15cms from floor level

 

For further information, or to discuss your insurance requirements, please contact Zara Burns or Jade Danby on 020 7426 5346 or email collectables@tldallas.com.

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Construction & Trades

The TL Dallas Construction team is highly experienced in servicing UK companies of all sizes, and have the core skills and experience to provide solutions for all disciplines within the construction industry, including Employers and Property Developers, Principal Contractors and specialist sub-contractors.


What makes us different?
Expertise

Property Developers
High rise and low rise residential (inc housebuilders), commercial to Residential conversions and refurbishments. Commercial, Retail and Industrial new build and refurbishments.


Specialist Contracting Trades
Groundwork, RC frames and formwork (including deep basements)
Plant hire (including mobile and tower Cranes) and labour supply
Piling and ground stabilisation
Steel-fixing and steel structures
Roofing, scaffolding, demolition
Wet civils
Civil engineering/utilities, highways/surfacing and tunnelling
Mechanical electrical, heating, ventilation and air conditioning

 

Intelligent solutions, built around your business


Understanding your needs - Our broad experience of the Construction Industry, combined with the time we commit to understanding your business and the risks it faces, ensures that we deliver innovative solutions that are relevant to your business.
Technical strength - We provide you with quality advice and practical solutions, delivered in a simple straightforward way.
Strong relationships - Our excellent relationships with key construction insurers ensures that we consistently provide you with the right cover at the right price.

 

Claims


Our approach on claims is simple – We don’t outsource our claims handling, we retain control of it and work closely with Insurers, Loss Adjusters and third party specialists to deliver the best possible results for our clients.
Claim management - By actively managing the process, and coordinating all the parties involved in large or complex claims, we keep each claim moving and take it through to a prompt and satisfactory conclusion.
Regular updates - We will keep you informed of developments on claims, so you always know where you stand with each claim.

 

Reserve Management

We have a strong track record of persuading insurers not to reserve against simple notifications, and of challenging the accuracy of reserves, thereby minimising the impact of excessive reserves on premium costs.

 


Products


We provide the following construction specific classes of business:

  • Employers liability (including optional cover for HSE fees for intervention)
  • Public/products liability
  • Contract works (including retained existing structures)
  • Plant and hired in plant
  • Erection all-risks
  • Single project solutions – developer led and contractor led - including delay in completion cover with flexible basis of cover
  • Building warranties/latent defects
  • Professional indemnity (annual and project)
  • Developers umbrella professional indemnity (annual and project)
  • JCT 6.5.1 (21.2.1) insurance
  • Surety – performance, road, sewer and related bonds
  • Fleet – including specific cover for use of vehicles as a tool of trade (ie. tipping risks)

 

For advice please contact Mike Mitchell - mike.mitchell@tldallas.com or call 07496 888411.

Education & Public Sector

TL Dallas can help Private Schools, Universities, Local Authorities and Government enterprises with the risk transfer and management of all their risks.

 

Our insurance solutions include:

  • Campus / Property security and safety
  • Cyber risks
  • Compliance with government and local authority regulations
  • People – public, employees, and students
  • Natural and environmental hazards
  • Events and exhibitions
  • Professional – directors & officers, trustees, and professional indemnity
  • Motor fleet – driver training and claims control
  • Reputational risks

 

Looking after a wide variety of organisations and bodies allows us to cross-benchmark premiums and compare numerous policy wordings to ensure our clients receive the most suitable cover at the most competitive premium. We also have experience in OJEU tenders and creating ‘pooling programmes’ – bringing together multiple public sector and education bodies with a common interest; to make use of cover and cost efficiencies via a ‘buying group’.

 

 

For further information or advice please contact, Sue Dover - sue.dover@tldallas.com or call 01274 465524 or Matt Smith - matt.smith@tldallas.com or call 01274 46525.

Forestry & Timber

TL Dallas is a proud supporter of the timber industry. From forestry investments to sawmills, TL Dallas understands the risks faced at each stage of the timber cycle and have designed insurance solutions tailored to the sector.

Our insurance solutions include:

  • Forestry management
  • Forest owners – growing timber insurance
  • Forestry contractors
  • Timber transportation
  • Sawmills
  • Renewable energy and forest products

 

For further information or advice please contact, Tom Aldridge - tom.aldridge@tldallas.com or call 07951 444336.

Farms & Estates

TL Dallas is one of the UK’s leading insurance brokers with years of experience in managing insurance programmes for Farms & Estates. Working with specialist insurers, we offer a range of Farms & Estates specific insurance covers.

 

Our insurance solutions include:

  • Buildings and contents: farm buildings residential, commercial and agricultural properties, including listed buildings and high value collections and antiques
  • All-risks cover for plant & equipment
  • Event insurance: liability and cancellation insurance
  • Combined liabilities: including commercial shoots, fairs, fetes and themed events, holiday lets, equestrian activities, filming, forestry and other farm and estate activities
  • Livestock cover
  • Forestry growing crop cover

 

Policy features some of our clients enjoy:

  • Environmental impairment liability
  • Average free buildings insurance
  • 2 years new for old on plant & equipment

 

For further information or advice please contact, Polly Staveley - polly.staveley@tldallas.com or call 01274 465592 or Tom Aldridge - tom.aldridge@tldallas.com or call 07951 444336.

Food & Drink

TL Dallas currently look after a number of clients in the UK food and drink industry. This allows us to cross-benchmark premiums/ rates and compare numerous policy wordings ensuring our clients receive the most suitable cover at the most competitive premium.

One of the main insurance issues facing the food and drink industry is in relation to insulation/composite panelling, especially where there is a heat process (refrigeration/cooking/frying). Our risk management team fully understand these challenges and can assist in reducing your exposures.

 

Our insurances solutions include:

  • Material damage 'All Risks' - for you and your customers physical assets
  • Business interruption - loss of income to your business following a material damage loss
  • Employers’ liability - legal requirement with minimum £10,000,000 limit of indemnity as standard
  • Public/products liability - loss, damage or injury to third parties or their property
  • Marine/goods in transit cover - for all goods in your custody or control whilst in transit by any method
  • Motor fleet cover - to provide relevant cover for all your road going assets together with your legal liabilities
  • Freight liability - contractual liability in respect of loss or damage to your customers goods
  • Product recall - in respect of contaminated foodstuffs. It can also include brand protection

 

Policy features some of our clients enjoy:

  • Broad customers and suppliers extensions
  • Average free buildings insurance
  • Patent and copyright infringement (defence and pursuit)
  • Brand protection/crisis management
  • Enhanced contagious diseases cover
  • Business continuity planning and supply chain resilience assessment

 

For advice please contact your nearest branch.

Healthcare

 

Healthcare faces a complex and constantly changing range of risks from patient safety and quality of care to data security, increasing claims for employee injury, and the costs of medical negligence insurance and abuse.


Using a broker that understands the stresses and challenges of your sector is critical and with our experience, insight and strong market relationships we are perfectly positioned to deliver you a comprehensive and cost effective insurance solution.

 

Our insurance solutions include:

  • Care homes, retirement homes and respite centres
  • Private hospitals and clinics
  • Laboratories, testing support services
  • Domicillary care providers

 

Policy Features some of our clients enjoy:

  • Board Directors & Officers & Trustees indemnity
  • Medical malpractice and treatment cover
  • Rehabilitation and retraining for injured employees
  • Enhanced employment practices liability cover
  • Employer helpline and guides
  • PR crisis management

 

For advice please contact your nearest branch.

Hotels & Leisure

 

Hotel, theme park, golf club, activity centre - whatever your business, your days are spent smoothly delivering the best possible customer experience, while you do all the hard work behind the scenes.

We treat our clients in the same way, blending the quality and experience of a family owned broker with innovation and clear communication.  It is about providing a service to you which gives you peace of mind and certainty about your risks – allowing you to focus on your customers.

 

Our insurance solutions include:

  • Boutique and luxury hotels, UK hotel chains and historic hotels
  • Motorsport and outdoor activity centres
  • Golf clubs
  • Gyms/fitness centres
  • Split property company and operational company arrangements

 

Policy Features some of our clients enjoy:

  • Flexible cover for damage to buildings and contents (including listed buildings)
  • Broad public & products liability insurance
  • Loss of alcohol/wedding/music licence
  • Wide loss of revenue cover
  • Full theft cover
  • Booking system failure (loss of income)
  • PR and crisis management cover
  • Risk management support and contributions

 

For further information or advice please contact, Frank Penton - frank.penton@tldallas.com or call 020 7426 5356 or Sue Dover - sue.dover@tldallas.com or call 01274 465524.

Manufacturing & Engineering

Despite significant market changes and challenges over the years, the UK remains one of the world’s leading manufacturing nations. The challenges and risks can be complicated, whether you have a single facility or multi-site operations spread across the globe, whether you engineer single components or assemble finished products from a thousand parts.

We take the time to understand all aspects of your business, whether it be workforce, assets, revenue stream, design research & development or supply chain.

No two businesses are identical and the differences that give you competitive advantage over your peers, are very often the risk areas that a standard policy won’t protect adequately, leaving you exposed.

Our logical, methodical approach to fully understanding your business enables us to produce an individual insurance solution that works for your business.

 

Our insurance solutions include:

  • Complex business interruption exposures
  • Plastic, rubber and paper risks
  • Integrating marine cargo cover to dovetail with asset protection and business interruption covers
  • Product recall and rectification 

 

Policy Features some of our clients enjoy:

  • Average free policies
  • Wide suppliers and customers extensions
  • Manufacturers E&O
  • Rehabilitation and retraining for injured employees
  • Comprehensive loss of utilities cover

 

For advice please contact your nearest branch.

Marine Hull & Subsea

Dating back to 1919, TL Dallas has a long established and distinguished history with expertise in all aspects of Marine insurance.  From Sailing Clubs to Subsea Hull, we understand the risks faced in the marine sector.

 

Our insurance solutions include:

  • Port, harbour and terminal authorities
  • Charterers liability
  • Hull and machinery
  • Protection and indemnity
  • Motorboats, yachts and narrow boats
  • Marinas and yacht yards
  • Marina equipment suppliers, manufacturers and installers
  • Boat and sailing clubs
  • Boat hire and charter companies
  • Marine builders & ship repairers
  • Fishermen’s personal accident
  • Remotely operated vehicles (ROVs)
  • Autonomous underwater vehicles (AUVs)
  • Marine Cargo
  • Stock throughout
  • Hauliers and freight forwarders liability

 

For advice please contact your nearest branch.

Motor Trade & Recovery

TL Dallas provides bespoke, competitive motor trade cover for all types of operations, from sole traders to large prestige vehicle retailers.  We are also able to write exclusive business for recovery operators via our partner scheme provider MS Amlin.

 

Our insurance solutions include:

  • Recovery operators
  • Approved repairer bodyshops
  • MOT stations
  • New and used vehicle sales
  • Service and repair

 

Policy Features some of our clients enjoy:

  • Enhanced contract specific liability limits
  • Law claims rebates
  • Guaranteed future rates via long term agreements
  • Use under an operators licence
  • Cover for commercial loads within customer vehicles
  • Demonstration and loan/courtesy vehicle cover
  • Statutory clean up costs extension
  • Cover for own property in transit
  • Additional increased cost of working cover
  • Compensation for loss of use of customers vehicles

 

For further information or advice please contact, Mark Wood - mark.wood@tldallas.com or call 01274 465535 or Adrian Ferris - adrian.ferris@tldallas.com or call 01274 465588.

Not for Profit

From urban regeneration projects to cancer care support, TL Dallas has over nine decades of experience in designing and placing insurance programmes on behalf of registered charities and non-profit organisations.  We can also assist with risk management advice for your property and people risks.

 

Our insurance solutions include:

  • Property and business interruption
  • People – public, employees, volunteers, patients, vulnerable children and adults
  • Cyber - costs and expenses incurred as a result of hacking or misuse of data
  • Trustees and individual liability - breach of duty, breach of trust, negligence or defamation
  • Commercial legal protection - legal defence costs, employment disputes, property and tax protection
  • Events and exhibitions
  • Motor fleet – including driver training and claims control
  • Reputational risks
  • Domestic and overseas charitable work
  • Fund-raising events (including cancellation and prize indemnity cover)
  • Property and retail operations

 

Policy Features some of our clients enjoy:

  • Board directors & officers & trustees indemnity cover
  • Medical malpractice and treatment cover
  • Comprehensive personal accident and travel insurance, including long-term overseas placements
  • Rehabilitation and retraining for injured employees
  • Enhanced employment practices liability cover
  • Flexible business interruption insurance

 
For advice please contact your nearest branch.

Oil & Gas

The physical and financial exposures faced by energy companies are constantly changing as the industry takes on new technologies and explores new territories worldwide.

To manage these challenges you need an insurance specialist with expertise and experience in the energy sector – a partner who understands your industry and can provide risk management and insurance solutions to meet your needs.

As the industry has matured, TL Dallas has grown from servicing the North Sea contractors to helping clients protect their interests and operations throughout the world.

TL Dallas offers clients a knowledgeable and experienced service – from managing simple claims to the design of complex global programmes. Our service includes contract vetting, subcontractor checks, risk management and travel advice - as we understand that operating in potentially hazardous environments requires specialist business support.

We have risk and insurance solutions for all types of upstream and downstream projects including:

  • exploration and production
  • decommissioning
  • self-employed contractors
  • transportation
  • offshore engineering
  • onshore contractors
  • design and manufacture of products
  • subsea risks
  • ROVs and vessels
  • consulting work
  • maintenance programmes


For further information or advice please contact, Tom Aldridge - tom.aldridge@tldallas.com or call 07951 444336 or Bernard Dunn - bernard.dunn@tldallas.com or call 0141 204 0300.

Professional Services

TL Dallas design insurance and risk management solutions for a number of clients who offer advice and various services to their own clients. These include financial institutions, fund managers, financial advisers, traditional professional services firms and also those involved in the IT sector.

Each organisation has their own individual exposures to insure but all will buy protection around professional indemnity, directors and officers and crime/cyber cover.

 

 

Policy features some of our clients enjoy:

  • Professional Indemnity
    • Wide wording and professional body compliant
    • Defence costs in addition to limit of indemnity
    • Reasonable excesses to suit size of the insured
    • Competitive and financially secure insurance companies
    • Experienced brokers and claims negotiators
    • Appointment letters and collateral warranty checking service
  • Directors and Officers 
    • Each and every limits available not aggregated
    • Employment practices cover as standard
    • Free legal advice and employment helplines
    • Worldwide jurisdiction available
    • Wide cover to include all subsidiary and associated companies
    • Wide definition of insured persons
  • Crime/Cyber
    • Breach of confidentiality and privacy costs
    • Hacker costs following attack
    • Cover for third party 'fake presidents' claims
    • Protection against extortion threats from third parties
    • Cover for loss of income from reputational damage
    • Longer reporting period for employee claims

 

For further information or advice please contact, Tim Mackenzie - tim.mackenzie@tldallas.com or call 0131 322 2632 or Laura Scougall - laura.scougall@tldallas.com or call 0131 322 2631.

Property Owners & Investors

From pension administrators, property managers and developers to individual property owners, we have extensive experience in placing your risks, finding you the most competitive policies available in the market.


Our focus is on arranging individually designed policies to meet the specific needs of our clients. Service delivery is key and why many of our clients choose to deal with us, staying with us year on year.

 

Our insurance solutions include:

  • Property damage to buildings
  • Property damage to contents
  • Cover for contents of communal areas
  • Loss of rent and service charge
  • Alternative accommodation (residential)
  • Property owners’ liability
  • Employers liability
  • Engineering, including statutory inspections

 

Policy Features some of our clients enjoy:

  • Comprehensive business interruption insurance, including failure of public supply, denial of access etc.
  • Contingent cover for failure of third party insurances
  • Automatic contract works cover
  • Full compliance with bank lending requirements
  • Warranty free and average free cover
  • Inadvertent omission to insure

 

For further information or advice please contact, Mark Adams - mark.adams@tldallas.com or call 01274 465564 or Frank Penton - frank.penton@tldallas.com or call 020 7426 5356.

Renewable Energy

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Policy features some of our clients enjoy:

For further information or advice please contact, Bernard Dunn - bernard.dunn@tldallas.com or call 0141 204 0300 or Polly Staveley - polly.staveley@tldallas.com or call 01274 465592.

Retail

 

Your customers are your business and whether it’s online or on the high street, if they can’t visit you and buy your goods then the viability of your business is at risk.  The safety of your customers in your store or on your website is critical and failings can impact dramatically on your reputation and future sales.


The risks don’t stop at your 'door'.  With supply chains that are diverse and spread across the globe an incident at a suppliers' premises could have a direct, and potentially significant, impact on your business.

Engaging a broker that understands your business is key to devising tailored policies that offer you the right protection at the right price.

 

Our insurance solutions include:

  • Department stores
  • Chains
  • Specialist retailers
  • Web-based retailers
  • Supply chain resilience analysis
  • Business continuity/disaster recovery planning

 

Policy Features some of our clients enjoy:

  • Comprehensive public liability and products cover
  • Broad business interruption protection
  • Cyber and data protection cover
  • Loss of utilities cover
  • Loss of attraction
  • Wide customers & suppliers cover
  • Denial of access
  • Product recall
  • Seasonal increase for stock
  • Glass inc shop front cover
  • Goods in transit
  • Loss of licence
  • Business interruption including restriction of access, failure of utilities and suppliers and customers extensions
  • Accounts receivable
  • PR and crisis management (reputational protection) insurance

 

For advice please contact your nearest branch.

 

Science & Research

From university spin outs to global research investments, we’ve got it covered.

Looking after a variety of organisations in the science & research sector allows us to cross-benchmark premium rates and compare numerous policy wordings to ensure our clients receive the most suitable cover at the most competitive premium. We are acutely aware of the need to keep costs minimal at the start of any enterprise venture, however it is equally imperative that fundamental protections are in place as well.

 

Our insurance solutions include:

  • Property damage for stock/consignment stock at own premises and third party locations (e.g. sterilizers, contract manufacturers etc) and for specialist machinery
  • Business interruption including loss of research and development
  • Product liability
  • Public liability (and if required extending this for entering operating theatres or other critical areas within hospitals)
  • Employers liability
  • Clinical trials
  • Professional indemnity/errors and omissions
  • Goods in transit – both domestically and any international shipments
  • Travel
  • Exhibition
  • Intellectual property insurance
  • Medical malpractice – either on a full cover basis or contingency basis

 

For advice please contact your nearest branch.

Technology & Media

Technology & Digital Media play a rapidly increasing role in our day to day lives, but each new development, or application of existing technology exposes the industry to a continually evolving range of risks.


Our teams have a wide range of experience in providing practical, cost-effective solutions to a wide range of businesses including:

  • Software developers and designers
  • Digital media services
  • Technology services providers
  • Social media
  • Hardware manufacturers and network equipment and service providers
  • Web designers & hosting services
  • Data centre design & management
  • Managed services and cloud technology
  • Systems integrators
  • Health information technology
  • Component manufacturers
  • Telecommunications (including mobile, fixed line and associated data services)
  • Emerging technology risks e.g. artificial intelligence, big data, internet of things
  • Technology consultants

 

Our expertise covers:

  • Contractual risk management
  • Patent infringement
  • Supply chain resilience and business continuity planning
  • Brand and reputational protection
  • Research & development
  • Utilities/telecoms and loss of connectivity
  • Cyber attack, including theft, ransomware and terrorism
  • Protection of intangible assets
  • Key individuals – financial impact of loss

 

Policy features some of our clients enjoy:

  • First and third party cyber insurance cover available (hacking, viruses, Trojans, malware, denial of service attacks etc.),  including crisis management
  • Patent infringement (defence and pursuit)
  • Digital media liability (breach of intellectual property and negligence in connection with electronic content)
  • Broad customer, supplier and utilities extensions
  • Network interruption expenses (first party cyber business interruption)
  • Third party service provider extension (disruption to your business due to cyber event at a third party service provider)
  • Technology professional indemnity
  • Cross border coverage including USA/Canada
  • Data breach crisis management (including customer notification costs)

 

For further information or advice please contact Matt Smith - matt.smith@tldallas.com or call 01274 465525; Ian Gover - ian.gover@tldallas.com or call 020 7426 5353; Tim Mackenzie - tim.mackenzie@tldallas.com or call 0131 322 2632.

Transportation & Logistics

 

Whether you are a haulier, courier, self-drive hire operator, bus, coach or taxi company, the risks facing the transportation industry are always 'on the move'.

 
Our team are experienced in helping you mitigate those ever-changing risks.  We invest time to learn about and understand your business; enabling us to create risk and insurance solutions to fit your requirements.

 

Our insurance solutions include:

  • Self-drive hire fleets
  • Freight forwarders
  • Hauliers and logistics services companies
  • Non-conventional risk solutions
  • Private hire coach operators

 

Policy Features some of our clients enjoy:

  • Broad road risks cover
  • Customer storage and warehousing insurance
  • Enhanced cyber and loss of utilities cover
  • Freight services liability
  • Passenger personal accident cover
  • Hazardous spillage clean up costs

 

For further information or advice please contact, Mark Wood - mark.wood@tldallas.com or call 01274 465535.

Waste & Recycling

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Policy features some of our clients enjoy:

 

For further information or advice please contact, Polly Staveley - polly.staveley@tldallas.com or call 01274 465592 or Bernard Dunn - bernard.dunn@tldallas.com or call 0141 204 0300.