Covers and Services

It is likely your insurance programme is a significant cost to your business and it’s essential that your cover is appropriate for your needs and will respond in the event of a claim.

We believe that this can only be accurately assessed by working in close partnership with our clients to fully understand the complex requirements of your business. We are able to provide cover for your whole insurance portfolio including, but not limited to:

Motor Insurance


We offer comprehensive cover for Blue Light, patient transport, responder insurance and many other classes of use. Whatever type of cover you need, whether, fleet or individual vehicles we have the cover for you.

Medical Malpractice Insurance


Coverage for the acts, errors, and omissions of your medical staff - Cover will indemnify you for both the legal costs of defending an action and any subsequent damages.

Employers Liability

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Protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. It is a legal requirement if your business employs one or more people.

Public & Products Liability

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A key part of any comprehensive business insurance policy, public liability cover will pay out in the event that a member of the public suffers an injury or damage to their property. Product liability insurance is a form of Insurance cover that will pay out should a faulty product supplied by your company cause injury or damage to a third party.

Directors & Officers Liability


Also known as D&O insurance, this covers the cost of compensation claims made against your business directors and key managers (officers) for alleged wrongful acts. Wrongful acts include: breach of trust and breach of duty.

Airside Liability


If you go airside, it is likely that your general public liability and vehicle insurance policies will not cover you for an incident airside or will only provide a limited amount of cover. Airside liability will cover you for third party motor vehicle property damage, and/or bodily injury as well as non-motor third party general public liability.

Commercial Combined, including All Risks


A comprehensive business cover in a single policy, bringing together a range of the covers most commonly required.

Professional Indemnity


If a client suffers financial loss due to poor advice or negligence on your part it will cover the cost of an ensuing claim and compensation.

Private Medical Insurance

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This helps you cover the cost of private healthcare. It eliminates the need to be placed on lengthy waiting lists. Should you fall into ill health or have an injury, medical insurance could help you on the road to recovery by getting medical assistance quickly, and covering hospital fees, so your life or work needn't grind to a halt.

Motor Trade Insurance


Designed to cover sellers, buyers and repairers of motor vehicles. For those businesses that have their own workshop and offer motor trade services to the general public.

Cyber Liability

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Covers the losses relating to damage to, or loss of information from, IT systems and networks. Policies generally include significant assistance with and management of the incident itself, which can be essential when faced with reputational damage or regulatory enforcement.

Personal Accident


Provides a financial benefit to the policyholder if an insured person suffers bodily injury or death as a result of an accident. Available on a group or individual basis.

We individually tailor each insurance programme and have the ability to offer the following enhanced services which you may not enjoy from your current provider:


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‘RIAMT’ is Risk Identification, Analysis and Management Tool that has been developed by us specifically for the private ambulance sector. Its primary functions are to identify where your business faces the most significant exposures and look at how they can be addressed not only from an insurance viewpoint, but also from a risk management, mitigation and containment perspective.

Fleet Risk Management

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Advice and guidance including driver handbooks, licence check forms, analysis and mitigation of vehicle down time.

'In-depth' Claims Analysis

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Our dedicated in house claims team will provide you with 'in-depth' claims analysis along with a targeted active risk management programme.

Health and Safety support


We are able to provide guidance on health and safety issues and help shape your company policies.

Online claims reporting

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You have 24/7/365 access to live claims data, keeping you involved and giving you peace of mind. It is YOUR data after all.

Dedicated team


Dedicated Account Executive, Broking and Claims Technicians to deal with your insurance needs.

Premium Payment Plans


We can assist you with options to help spread the cost of your insurance premium.

Discounts available


Access to discounted products and services such as "Roadhawk" in-vehicle cameras and telematics solutions.

In Partnership with the Independent Ambulance Association

You care for others, we care for you

Call us today on 01603 218266

Supporting you when you need it most

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I was really impressed with the excellent service and quote for my motor insurance and would be happy to recommend KTIB Ambulance.

- Thomas Giddings -