Business Insurance
Business insurance for UK companies
Liability, professional indemnity, premises, tools, contract works and cyber cover for SMEs, trades and professional firms, arranged around how your business actually works.
Who we arrange cover for
SMEs & Growing Firms
Trades & Contractors
Solicitors & Accountants
Marketing & Consultancy
Fire Protection
Offices & Warehouses
Whole of market access
One broker for all your cover
Kettering Head Office, UK Coverage
The cover your business may need
Every business is different, so we start with what you do, who you employ and where you work, then put together the covers that fit. These are the ones we arrange most often.
01.
Employers' liability
Covers claims from employees injured or made ill by their work. Most businesses with staff are legally required to have it.
02.
Public and product liability
Covers claims from customers or the public for injury or damage caused by your work, your premises or the products you supply.
03.
Professional indemnity
Covers claims that your advice, design or service caused a client financial loss, including legal defence costs.
04.
Tradesman and tools
Liability cover for trades, plus protection for tools and equipment on site, in storage or in your van.
05.
Offices, shops and warehouses
Buildings, contents, stock and business interruption cover for the premises your business runs from.
06.
Contract works
Covers the works in progress and materials on site against damage until the job is handed over.
07.
Cyber
Helps with the cost of a data breach or cyber attack, lost income while systems are down, and claims from affected third parties.
08.
Directors' and officers'
Protects directors personally against claims over decisions they make running the company, including legal costs.
09.
Combine it in one policy
Many of these covers can sit together on one commercial package, with a single renewal date and one set of documents.
What insurers look at in your business
01.
What you do
A precise description of your activities, so you are not paying for risks you do not carry
02.
Turnover and wage roll
Most liability cover is priced on these, so accurate figures matter
03.
Claims history
What has happened before and what you changed afterwards
04.
Contracts and limits
The indemnity limits your clients or regulator require you to hold
05.
Premises and security
Building construction, alarms, locks and how stock and equipment are protected
06.
Health, safety and controls
Risk assessments, training, data security and the procedures you already follow
How we arrange your business cover
01.
Understand your business
What you do, who you employ, your premises, contracts and plans for the year ahead
02.
Check for gaps
We review your current cover against your risks and contract requirements
03.
Go to the right insurers
We approach the markets best suited to your trade and explain the options side by side
04.
Stay with you all year
Mid-term changes, certificates for contracts, claims support and early renewal reviews
Ready to get started?
CASE STUDY
Three businesses, one policy and a saving of around £9,000
A business owner with three separate companies
c.£9k
annual premium saving
1
portfolio instead of three
The problem: The owner ran three separate businesses, each with its own fleet, commercial combined and professional indemnity policies. Their previous broker said the covers couldn't be combined because the businesses weren't a corporate group.
What we did: We reviewed the share structure. All three businesses were owned by the same person, so they qualified as a group by common control. We presented them to insurers as one proposal with combined figures, brought the fleets onto a single policy and used the total spend to negotiate better terms.
The Outcome: Premiums came down by around £9,000, and the work of managing three separate insurance programmes was replaced by one portfolio.
Client anonymised at their request. Results depend on each business's circumstances
Is employers' liability insurance a legal requirement?
Yes, for most businesses that employ staff. The law requires cover of at least £5 million, and you can be fined for every day you are not insured. There are limited exemptions, such as some family businesses, which we can check for you.
What is the difference between public liability and professional indemnity?
Public liability covers injury or property damage your business causes to other people. Professional indemnity covers financial loss a client suffers because of your advice or service. Many businesses need both.
Do I need professional indemnity insurance?
If you give advice or provide a professional service, it is strongly recommended. Some professions, including solicitors and accountants, must hold it under their regulator’s rules, and many clients require it in their contracts.
Can I combine my business covers on one policy?
Often, yes. Liability, premises, stock and other covers can usually be combined on a commercial package policy, with one renewal date and one set of documents.
What does cyber insurance cover?
Cover varies by policy, but typically includes the costs of responding to a data breach or cyber attack, restoring systems and data, lost income while you cannot trade, and claims from people whose data is affected.
Not sure what cover you need?
Tell us about your business and we will review your cover for gaps
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