Business Insurance

Protect your business from financial risks with tailored business insurance.

Many business owners worry about what might happen if something goes wrong. A customer slipping in your premises, an employee getting seriously injured or a cyberattack could lead to expensive claims. Without business insurance, you’d have to cover these costs yourself.

With the right cover, you can focus on running your business without constant worry.

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What is business insurance?

Business insurance, also known as commercial insurance, protects your business from financial losses due to claims, accidents or unforeseen events. Every business is unique, which is why we offer tailored policies for specific risks, ensuring your business stays protected.

Whether you own a small shop, consultancy or construction firm, our business insurance policies are designed to protect your assets, employees and reputation.

Do I need business insurance?

Absolutely, you do. Running a business comes with risks. Damage to your property, a customer injury or a legal claim could lead to significant costs. That’s where business insurance comes in.

Certain types of business insurance are legally required if you have employees, such as Employers’ Liability Insurance. Other types of insurance may be needed depending on your industry, client contracts or day-to-day risks, such as Public Liability Insurance and Professional Indemnity Insurance.

Without insurance, your business could face significant financial strain from unexpected claims or damages. Having the right cover in place means you can focus on running your business without the worry of costly disruptions.

What does business insurance cover?

Business insurance consists of different types of cover, each designed to provide different forms of business protection. We offer flexible policies designed for SMEs covering:

Public Liability Insurance: Covers legal and compensation costs if a customer or third party is injured or their property is damaged due to your business activities. Ideal for businesses interacting with the public, either at their premises or at job sites.
Employers’ Liability Insurance: Covers claims if an employee is injured or falls ill due to their work. This is a legal requirement if you have employees.
Professional Indemnity Insurance: Covers legal expenses if a client claims your work, service or advice caused them financial loss. Essential for businesses offering professional services, including consultants and accountants.
Business Property & Contents Insurance: Covers essential business assets like computers, machinery and documents. Protects your premises, stock and equipment from fire, theft or flooding.
Business Interruption Insurance: Covers lost income if you have to close temporarily due to an insured event, like a fire or flood. Helps businesses stay afloat during disruptions.
Cyber Insurance: Covers liability costs, data loss and recovering compromising systems after a cyberattack. Includes technical and financial support in case of a security breach.
Directors & Officers (D&O) Insurance: Covers claims made personally against company directors and officers for wrongful acts. Protection against legal costs, compensation claims and potential disqualification from directorship.

Don’t see the type of insurance you’re looking for? This list isn’t extensive and we offer so much more than this. Get in touch with us for a chat about your business insurance needs today

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Are we the right commercial insurance broker for you?

Our business insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free business insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too lower to fully protect your business. If you’re unsure if your current business insurance is giving you the right protection, we can help.

As part of our free business insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free business insurance health check today.

Speak to us about your business insurance today

Our tailored business insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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