FAQs

From what products we cover to payment processes, explore common queries about Everywhen's referral services.

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Available products

Everywhen specialises in a range of commercial and non-standard insurance products and we provide a diverse range including, but not limited to, the following:

  • Public liability

  • Employer's liability

  • Contractors all risks

  • Tools and Plant (including hired in plant)

  • JCT cover

  • Efficacy cover

  • Self-build

  • Errors and omissions

  • Office equipment

  • Computers

  • Business interruption

  • Cyber liability

  • Legal expenses

  • Directors and officers

  • Hotels, guesthouses and B&Bs

  • Shops

  • Offices

  • Restaurants

  • Pubs

  • Property portfolios

  • Industrial units

  • Terrorism cover

All policy types under Commercial Property can include the following covers:

  • Loss of income

  • Property owner's liability

  • Subsidence cover

  • Accidental damage

Allowances can also be made for properties that are unoccupied. *Subject to Terms and Conditions. 

Commercial combined (manufacturing or wholesale risks typically from an industrial unit):

  • Stock

  • Contents

  • Public and products liability

  • Employers liability

  • All risks (items away from the property such as mobile phones)

  • Business interruption

  • Goods in transit

  • Manual work away

  • Hotels, guesthouses and B&Bs

  • Shops

  • Offices

  • Employers liability

  • Restaurants

  • Pubs

  • Property portfolios

  • Specialist high net worth households including holidays homes

  • Surgeries

  • Working from home

  • Specialist high net worth households

  • Business fleet (more than 4 vehicles)

FAQs

Yes, but only insurance products they need for their business. We will not cross sell any financial services such as protection insurance and mortgages.

No need to – we make it as easy as possible for you and do all the hard work on your behalf.

No, we handle everything once you have passed the details over. Just wait for your commission to arrive!

No, we make recommendations to your client.

Yes, you are paid for the life of the policy as long as you are authorised.

No, there is no limit to the amount of extra income you can earn.

If your client cancels mid-term, the commission loss will be clawed back from you in a future statement.

We acknowledge your referral almost immediately and then contact your client as soon as possible or within 24 hours maximum (within business hours).