Business Insurance
Don’t let unforeseen events cripple your business. Our comprehensive insurance coverage offers protection against a range of risks. Build resilience and safeguard your investment.
Business Interruption/ Continuity Insurance
Covers the loss of turnover following an insured event, often referred to as loss of earnings insurance. Examples of events include fire, theft, flooding, and failure of public utilities. It can allow you to continue paying employees and relocate staff and stock until operations resume.
Commercial Building Insurance
Covers the cost of repair or rebuild for your business premises, which could be in the case of fire, flood, storms and malicious or accidental damage.
Cyber and Data Insurance
Covers you in the event of a data breach, ransomware attack, or phishing. Helps restore systems and data, pay fines, cover loss of income, and provides access to PR and crisis management teams to help repair your reputation.
Landlord HMOs
Houses of Multiple Occupancy (HMO) are often large houses that have been split into multiple single lets, with shared essential facilities. There are other examples of different scales, and they could be let to students, professionals, or unrelated families. HMOs come with different legal requirements and criteria before the landlord can let them out, and warrant specific insurance. It protects the building itself and related risks, such as injury or loss suffered by a tenant because of a fault with the building.
Fleet Insurance
Businesses that have more than one vehicle may choose fleet insurance. You can typically choose to add all drivers to all vehicles insured, or specific drivers to specific vehicles. This may include work vehicles and pool cars, taxis, delivery vans, or a large haulage fleet.
Portfolio Landlords
Cover protects landlords with multiple properties against financial losses suffered in connection with their rental properties, all under one policy. It protects the buildings themselves and related risks, such as injury or los suffered by a tenant because of a fault with the building.
Tool or Portable Equipment Insurance
Cover to replace your essential tools or business equipment if they are damaged or stolen from a locked vehicle or premises.
Business Equipment & Office Contents Insurance
Covers the cost of fixing or replacing any insured business items, such as computers, phones, catering fridges, or laundry equipment. This could be because of fire, flooding, malicious damage, or theft.
Equipment Breakdown Insurance
Covers the cost of repairing or replacing insured business items if they break down, but excludes damage caused by wear and tear. Items may include boiler systems, computers, security alarms, and fridges.
Product liability Insurance
Covers you if a product you make or sell causes injury to a member of the public or damages their property; covering legal fees as well as any compension.
Directors and Officers Insurance
Covers the cost of defending allegations made against your business’s directors, officers, managers, or partners for alleged wrongful acts such as breach of trust, negligence, error, misleading statements an wrongful trading.
Public Liability Insurance
Covers you if a member of the public is harmed, or their property is damaged, because of your business activities. Examples included are compensation claims, legal expenses, medical fees, and cost of repairs.
Employers’ Liability Insurance
Covers you if an employee is injured or becomes ill due to their work, and they decide to make a claim against you. For example, if an employee is insufficiently trained and injures themselves using machinery, or a receptionist develops RSI.
Professional Indemnity Insurance
Covers the compensation costs and legal fees your business must pay if a client accuses you of negligence and makes a claim. Examples include claims arising from professional advice causing financial loss or reputational damage, intellectual property infringement, or breach of confidentiality.
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