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Home Insurance

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Classic Car Insurance

Classic car policies can be confusing, especially as it is a niche area. Our team will bring you the best policies and go through the small print together, so you only sign an insurance package if you are happy.

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Pubs & Restaurants

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Motor Insurance

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Hotel Insurance

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Retail Insurance

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Young Drivers Insurance

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Office Insurance

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Flood Cover

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Goods in Transit Insurance

Sagar Insurances offers Goods in Transit Insurance to protect you against damage that may incur whilst transporting stock or goods from one place to another.

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Tradespeople Insurance

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High Value Vehicle Insurance

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Contractors Insurance

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High Net Worth Home Insurance

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Motor Trade Road Risks Insurance

At Sagar Insurances, we offer extensive Road Risk cover, ensuring that your business vehicles are protected should anything go wrong. If you are dependent on vehicles in the day-to-day running of your business, you may benefit from Road Risk cover from Sagar Insurances.

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Commercial Vehicle Insurance

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Second Home Insurance

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Motor Trade Internal Risks Insurance (Non Road)

At Sagar Insurances, we understand that the non-road of a motor vehicle can be detrimental to a business, especially if you have fleet vehicles or company cars.

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Collidge & Partners

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Technology Companies

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Terrorism Insurance for Businesses

Sagar Insurances offers Terrorism cover to businesses, in order to help repair and rebuild any property destroyed in the event of a terrorist attack.

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Commercial Cleaning

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Shearwater Insurance Services

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Insurance for manufacturers

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Paul Baker Insurance Services

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Into-Sport

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Manufacturing

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Higos Insurance Services

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Engineering

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Material Damage & Theft Cover

Sagar Insurances provides protection for damage or theft. You never know when an accident such as a fire, flood or earthquake could strike, so it pays to be prepared.

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Cyber Liability Insurance

All businesses insure their property and their assets but many do not cover their data. Data is incredibly important and you are often responsible for its safety.

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Commercial Property

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Construction

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Professional Indemnity Insurance

We provide cover for legal costs and expenses incurred in your defence, as well as any damages or costs that may be awarded

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Property Owners Liability

Policies from Sagar offer this section of cover as part of your buildings insurance which is usually offered at £2,000,000 but can increase up to £10,000,000 if required. If you own land then this section of cover can be offered as a standalone policy.

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Motor Fleet

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Motor Trade

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Statutory Engineering Inspection Cover

Plant and machinery needs to be inspected periodically to meet the statutory requirements for workplaces in the UK. They ensure the safety of employees and the public. The statutory inspection cover from Sagar Insurances can include sudden and unforeseen damages to plant and machinery.

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Business Interruption Insurance

Sagar’s Business Interruption insurance covers for the loss of income resulting from an inability to trade following a material damage loss. Cover will pay rent, wages and all necessary over-heads as additional expenses, whilst a company is unable to trade.

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Family Owned Businesses

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Travel Insurance

Sagar’s travel insurance covers medical expenses for trips abroad, together with luggage, money, accidents, delays, personal liability etc. The policy can be written per trip or for all trips for individuals (single couples or family), or on a group basis for all employees travelling.

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Engineering Plant Damage Insurance

Sagar’s engineering plant damage cover provides indemnity against breakdowns, explosions, collapses and damage from accidental causes that requires repair or replacement.

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Engineering Consequential Loss

Many UK businesses do not have consequential loss insurance which can protect your organisation in the event of a serious event, such as a fire.

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Product Recall insurance & Cover Against Guarantee and Tamper

When it is discovered that a product has a dangerous fault, it is necessary to recall the product so that it might be repaired or replaced.

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Intellectual Property Insurance Coverage

In any business, intellectual property is one of your most valuable assets and it is important to protect against the risks of third party infringement.

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Performance Bonds Insurance

A performance Bond covers the damages suffered by the customer in the event of a non-performance of contract by the contractor.

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Credit Insurance & Trade Credit

Cover against companies failing to pay you due to liquidation or receivership.

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Employers Liability Insurance

Employers are responsible for the health and safety of their employees while they are at work.

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Personal Accident (Individual, Group and Keyman)

Sagar Insurances offers Personal accident cover to help individuals receive compensation for accidental bodily injury.

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Environmental Liability Insurance

Sagar Insurances offers Environmental Liability Insurance to businesses of all sizes. No matter how careful you are as a business, unforeseen environmental impacts can still occur.

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Marine Insurance

Sagar’s marine cargo insurance protects your business when sending items of any kind to destinations via the sea.

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Gap Insurance Policy

GAP Insurance (RTI) is arranged by: LawShield UK Ltd with UK General Insurance Limited on behalf of Ageas Insurance Limited.

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Directors and Officers Insurance

Directors and Officers Insurance protects directors, officers and other employees with managerial responsibilities from costs that they may become personally liable to pay

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Public Liability Insurance

Sagar Insurances offers public liability cover for a wide range of businesses, large and small.

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Deterioration of Stock/Frozen food

At Sagar Insurances we provide extensive Deterioration of Stock cover, ensuring that you and your business are protected, should anything go wrong.

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Contractors All Risk Insurance

Covers loss of or damage to the contract works (excluding existing structures), contract materials and with options to include including hired-in plant, plant and tools owned by you or for which you are contractually responsible.

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Car Insurance

Your motor vehicle is important to you and your family and therefore you need to make sure you get the right cover. At Sagar Insurances, we only deal with high quality insurers and our Personal Lines team are here to give you the right advice to suit your needs.

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Fleet Insurance

Here at Sagar Insurances we have access to numerous fleet insurance markets including Lloyd’s for those that are involved in specialised activities.

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Fidelity Guarantee Insurance

Sagar Insurances provides fidelity insurance for mid to large sized companies. We understand that all businesses are at risk from cyber crime and theft from employees. No matter how careful you are, details can slip through the net. However, with fidelity insurance, you can claim for anything you have lost and begin to resume business as normal.

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Travel Insurance

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Survey feedback from over 4,600 GRP clients rates GRP brokers as “Excellent”

GRP recently emailed over 80,000 commercial broking clients to gain feedback from them on our broking business’ performance using data taken from GRP’s central Data Warehouse.

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Impact of in cab camera on potential “At fault” claim

Following discussions at the pre-renewal meeting it was agreed that our Director of Claims would meet our clients Fleet Manager to discuss in cab cameras and how they could assist in the claims process.

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How to protect your business from a data breach

As online hackers have become both more advanced and persistent in the way that they operate, even the largest and most trusted brands are susceptible to falling victim to these malicious breaches.

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Sagar, Client and Insurer working together in public liability claims

At the first notification of a claim our client contacts our Director of Claims to advise details and to discuss the potential issues that may arise. The information gathering process then commences with AXA being notified and at the same time the local investigator is instructed.

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Do I need Car Insurance if I’m not Driving my Car?

If you’re a first-time driver, it can sometimes be difficult to find the right kind of insurance for your car. Sagar Insurances can help you find the best deals on cover for your motor, but until then, have you thought about where to keep your car?

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Sagar and BLM working together following serious incidents

This client operates a nationally known retail outlet converted from a cotton mill. Within the mill there are numerous companies selling clothing, books, arts and crafts etc. The client also operates a Business and Conference Centre.

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Sagar Insurances tackle Pendle Hill in aid of the Pendleside Hospice

Sagar Insurances are proud to reveal that we have raised over £400 for the Pendleside Hospice after recently completing a charity climb of Pendle Hill.

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Mayes Accountants – Office cover with a personal touch

When you are a company priding yourself on being “more than accountants”, supporting SMES throughout the North West, you need to be able to demonstrate your own business acumen and foresight.

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Sagar to walk Pendle Hill for Pendleside Hospice

Every year, the team at Sagar Insurances organise an activity to help a charity of their choice. This year, Sagar are walking Pendle Hill for Pendleside Hospice. The group will walk the four-mile steep incline on Saturday 30th June 2018 and every donation will go towards a great charity that helps to enhance the lives of those who are living with life-limiting illnesses.

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Recognising Sagar’s expertise in settling claims

When innovation and creativity are central to your ethos, you are unlikely to be the sort of company that relies on “off the shelf” insurance packages.

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Sagar Insurances Join the GRP Group

In April 2018, Sagar Insurances were acquired by Global Risk Partners Group (GRP ). John and Susan Meadows have been the driving force behind Sagars for many years and will continue to do so under GRP’s ownership.

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Automotive Tools – Growing firm devices forward with safety net

Burnley-based Automotive Tools knows that when you provide parts and equipment to clients as diverse as small garages right up the Ministry of Defence, you stand and fall by the quality of your suppliers.

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Guide to commercial vehicle insurance

Each and every day, millions of light goods vehicles (LGV’s) take to the roads of the U.K. If you are one of these drivers, and own a van, small lorry or any other LGV vehicle, then it is obviously crucial that you are covered by the correct insurance.

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Brian Dent Limited – Protecting plant and tool assets

A family business with a history spanning over half a century, plant hire firm Brian Dent Ltd has grown and diversified thanks to a keen eye on industry trends and an ability to plan ahead.

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Sagar Insurances are supporting the fight against polio!

Sagar Insurances are proud to be sponsoring Malcolm Baldwin and Bill Honeywell as they take part in the Purple4Polio Rotary Grand Tour.

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Sagar Insurances & Stone Oak working together against flood damage

Sagar Insurances is delighted to be working with Stone Oak Ltd, a leading provider of damp proof and timber solutions throughout the North West.

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The Sagar sponsored East Lancs Chamber of Commerce Curry Club is a big success!

When it first became official that Sagar Insurances would be sponsoring the East Lancs Chamber of Commerce Curry Club, we naturally began to anticipate the first Curry Club event. The first event of the year was intended to be on the 23rd February at Burnley’s Turf Moor.

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Why should you use an insurance broker?

Finding the right insurance, especially when it comes to specialist or unusual policies can be difficult, and shopping around for packages can leave you feeling lost.

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Do you need to have Landlord Insurance by law?

Landlord Insurance is a cost-effective way to protect you and your property against any damages, claims or legal costs that may occur when renting out your home.

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Business Insurance Packages

For over 50 years, Sagar Insurances have looked after local businesses by providing tailored business insurance packages to look after their assets. There are many different types of business insurances and it’s for this reason that Sagar Insurances can provide different policies in one package to cover every risk.

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Happy New Year from Sagar Insurances

The Sagar Insurances team would like to wish all of our clients a Merry Christmas and a Happy New Year. We thank you for your loyalty and ongoing support, and look forward to continuing our work with you for years to come!

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What is GDPR and how will it affect your business?

The General Data Protection Regulation or GDPR is new legislation, aiming to keep customer and client information safe from fraud.

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Is flood insurance covered in home insurance policies?

The government has set up a scheme called FloodRe which enables homeowners to find affordable home insurance with flood cover

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Sagar attends Accrington Stanley annual photoshoot

As a sponsor of Accrington Stanley football club for the new football season, Sagar Insurances will be attending the annual photoshoot for the team and management on 1 st August. The event will include photography for the new season of individual players and the full squad for the season.

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What new landlords need to know about insurance

Commercial property insurance is complex and intricate cover that protects landlords against several possible risks. Insurance from Sagar Insurances protects your property and possessions and can help you to insure one flat or a whole portfolio of properties.

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How you can protect your business against ransomware?

In May 2017, a group of ransomware attackers successfully stole information from thousands of companies across the world, putting sensitive customer data at risk. Sagar Insurances provide Cyber Liability cover to protect you against financial difficulties caused by hacking.

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Rossendale Flood Fayre sponsored by Sagar Insurances

The Rossendale Flood Fayre took place at St Mary’s Chambers, Rawtenstall on 28 th June 2017. The event was organised by The Rawtenstall Flood Forum and Sagar Insurances were proud to sponsor and support the event for the local community.

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Sagar attends President’s Ball

Sagar Insurances recently attended the East Lancashire Chamber of Commerce President’s Ball at the Dunkenhalgh Hotel in Blackburn. The event was a huge success and was enjoyed by all. Sagar has been working with the ELCC for many years, becoming a Diamond Ambassador and Chamber member.

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What is cyber liability insurance?

In recent years, as businesses take more of their data online, cyber liability insurance has become a necessity when covering risks associated with loss. Security is a fundamental part of any business, especially when handling clients or customer data and it is important that your business covers against the potential loss of data due to human error, hacks, viruses and more.

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Flood Fayre 2017

Sagar Insurances has partnered with The Rawtenstall Flood Forum to provide information and advice to local residents and businesses about the risks of flooding in the area. The event is a fantastic opportunity for members of the public to find out more about flood risks and how to be protected.

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Sagar Partners with Accrington Stanley Football Club

Sagar are delighted to be part of an exciting new partnership with League Two football club Accrington Stanley. This relationship showcases the links between businesses in the community.

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NHS cyber attack: is your business protected?

Earlier this week, one of the most widespread cyber-attacks in history took place. A group of hackers used ransomware to withhold files on infected computers. The hackers then demanded a payment before allowing the victims to re-gain access.

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Things to consider when buying a house in a flood risk area

Flooding can be a major issue to anyone buying a new house or property, however some houses may just be worth the risk.

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Ogden table adjustments affect personal injury claims

The Ogden tables are a set of statistics used by the insurance industry, to determine compensation and pay outs following an insurance claim.

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Specialist Business Insurance

Sagar Insurances has been providing insurance to homes and businesses across the North West for over 40 years. We understand that a business is not just your place of work, it is your whole livelihood. We are determined to help you feel safe and secure, allowing your business to thrive.

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Welcome to Sagar Insurances!

Sagar Insurances has been providing business, personal and corporate insurance policies for the last 60 years. As the needs of customers has changed and evolved, so has our service.

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Personal Insurance from Sagar Insurances

Sagar Insurances have been providing a range of personal insurance policies to clients for the last 60 years. We don’t overcomplicate our services with unnecessary jargon, providing straightforward and concise support to help you find the right policy.

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What business insurance do I need?

Each business has slightly different needs, and it is important to make sure that the risks your business can face are covered. A good business insurance policy will cover your business in case anything goes wrong and can foot the bill for things like compensation payments and legal costs.

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Sagar annual walk

Sagar’s Annual Walk will take place on the 25rd June 2016, in aid of charity, with clients, insurers and friends all invited. The annual event began seven years ago, when a young member of staff was diagnosed with breast cancer and sadly passed away.

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Sagar to attend IP Seminar

Sagar clients and prospects are invited to attend an IP Seminar on 23rd June 2016, where a number of key speakers will talk about Intellectual Property and how best to protect it.

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Sagar celebrates one-year anniversary in new offices

One year ago, on 23rd – 25th May 2015, a bank holiday weekend, Sagar moved into new offices on Shuttleworth Mead, Padiham. Prior to that, the firm had been located on Willow Street, Accrington for 57 years!

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Top tips for keeping your business safe online

Many SMEs don’t consider cyber crime to be a significant risk, especially if they don’t sell online or believe they have anything worth stealing.

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UK home insurance premiums fall to five-year low

The dramatic fall in burglary rates across Britain, plus fewer claims for flood and storm damage, have sent the cost of home insurance to a five-year low, with households in Norwich enjoying the lowest premiums in the country.

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Understanding the new Insurance Act

The new Insurance Act comes into force on 12th August 2016, representing the most significant change to insurance contract law in the UK for over 100 years. But what does this mean for policyholders?

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Cyber security and insurance to become compulsory by 2017

UK companies of all sizes will be required to have cyber security and insurance in place as part of Network and Information Security (NIS) and General Data Protection (GDPR) legislation.

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Flood Claims puts the spotlight on Insurance Cover

During the Christmas and New Year period many business owners and individual home owners were affected by the latest flood weather surge.

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Lancashire Flood Recovery Fund Appeal Launched

A Lancashire Flood Recovery Fund Appeal has been launched to support those in need in the county who are victims of Storm Desmond.

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Would you know what to do in the event of a flood?

There is a tendency for us all to think that “flooding will never happen to me”. The fact is – it could.

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Two thirds of SMEs operating without PI cover

New research from small business insurer Direct Line for Business reveals that only a third of SMEs currently have professional indemnity insurance.

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Self-employed businesses now exempt from health and safety rules

Health and safety is seen by many businesses as an area wrought with red tape, and the potential for fines and liabilities for non-compliance.

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Car insurance premiums up 5.2% with AA warning of further rises

AA’s British Insurance Premium Index finds the average quote for a typical comprehensive motor insurance policy is now nearly £550

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Sagar Even Covers the Sun, Wind and Seas!

A few years ago it would have sounded like the stuff of science fiction, but now Sagar Insurances has added “Renewable Energy” to the long list of commercial ventures it can help with specialist cover.

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There is a crisis

Sagar Insurances has come out top in a UK wide survey on the thorny topic of claims handling.

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Help on Hand For Victims of Cyber Crime or Human Error

Digital connections are becoming the lifeblood of most of industry and commerce. But a simple slip up or a malicious hacker could cost commercial enterprises thousands of pounds.

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New Service to Boost Commercial Confidence

Sagar Insurances has launched a new service to provide its clients with Credit Insurance backed by a global expert in the field.

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Sagars acquires local broker Thomas Cook & Son

Thomas Sagar Insurances (Sagars) – part of Global Risks Partners – has acquired Thomas Cook & Son Insurance Brokers (Thomas Cook). The deal has received regulatory approval and the consideration is undisclosed.

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