Commercial Insurance

We work with a wide range of commercial clients of all types and sizes; construction and manufacturing, property owners, retail and wholesale, legal and accountancy professions and many more business sectors. Our service is underpinned by a working partnership with each client, building strong relationships with the management team, fully understanding their business.

Explore the information below, or simply contact us and we’ll do the rest!

Types of Insurance

Charity Insurance

Charities have an obligation to spend their money wisely whilst ensuring that the organisation is sufficiently protected from any claims or losses. In this complex business sector, consideration should be given to the activities being carried out – for example, working with vulnerable adults and children will be considered a higher risk than running a retail charity shop.

Understanding this market allows us to give the most appropriate advice and recommend policies with insurers who have a track record of excellence in this sector.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Club Insurance

Clubs come in many shapes and sizes, from amateur sports clubs to working men’s clubs.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Commercial Combined Insurance

This is a general term for a policy which allows businesses in many different industries to tailor cover to meet their exact requirements in a single policy. Irrelevant and unwanted covers can be stripped out to keep premiums as low as possible. Covers typically available include damage to buildings, stock, contents and machinery, goods in transit and business equipment away from the premises. You can also opt to include Public, Products and Employers Liabilities as well as business interruption cover in the event of reduction in income caused by damage to the property.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Cyber Insurance

With many high-profile cyber-attacks in the news recently, we understand that businesses of all sizes are at risk of an attack leading to data breaches, and an attack can have a huge impact on a firm’s reputation. We have access to many Cyber Insurance contracts which cover a wide range of risks such as:

  • Cyber, data security and multimedia cover
  • Data breach notification costs cover
  • Information and communication asset rectification costs cover
  • Cyber extortion cover
  • Cyber business interruption cover
  • Credit monitoring costs cover
  • Forensics costs cover
  • Public relations costs cover
  • Regulatory defence and penalty costs cover

Premiums start from as little as £112.00, so why take the risk?

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Hotel & Guesthouse Insurance

From a small B&B to a large hotel chain we understand the risks involved and can advise accordingly. From late alcohol licences and live entertainment, beauty spa facilities, children’s play areas, each establishment has differing insurance needs.

Working with a panel of reputable insurers in this sector, we can ensure that the business is adequately protected from every angle.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Nursery School Insurance

The many challenges this heavily-regulated industry faces can be mitigated with a comprehensive Nursery Insurance policy. Like many business insurance policies, cover is available for buildings, contents, stock and the like, but liability cover can also be extended to cover specialist areas such as abuse and the misadministration of drugs or medication.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Office Insurance

From a multi-storey office block to a single room in a business centre, every business will have different requirements for their Office Insurance. Office insurance is typically a “package” policy where many elements of cover come as standard, and limits can be increased if required. Whilst an office package covers most of the risks faced by an office-based business, further cover will often be required for more specialist covers such as Professional Indemnity to protect against the cost of claims arising from professional negligence such as defamation, incorrect advice or defective design.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Pub & Restaurant Insurance

The hospitality sector is varied and each business is unique. From a small micro-pub to a large Italian restaurant chain, many of the risks are similar but on differing scales. Pub and Restaurant insurance can be arranged as a “package” policy in many circumstances. However, more complex larger risks can be tailored to suit the exact requirements of the business. Cover can be varied according to the business activities such as late licencing, live entertainment or outside catering.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Shop & Retail Insurance

There is a vast array of retailers around the country who have a common connection – they sell products to customers. The products sold will often determine the most appropriate insurance package, for example a second hand goods retailer will not necessarily face the same risks as an off-licence or an e-cigarette shop.

Our in-depth expertise in the retail market allows us to give the most appropriate advice and recommendations to ensure that the business is fully protected.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Surgery Insurance

From dentists to physiotherapists and GP practices, surgery insurance “package” policies can cover most of the risks faced by these firms including general liabilities, buildings, contents and money. Further cover is often required for more specialist liability risks such as medical malpractice and we can advise clients to ensure that no risk is exposed.

Businesses are increasingly at risk of cyber attacks, and further specialist cover can be considered for this complex area. See the separate Cyber Insurance heading for more information.

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Request a callback today to discuss your insurance of choice