Business Insurance

There are many different types of commercial insurance available on the market, with many additional extras which may fit to your specific needs. Things can become quite complex, which is why we advise you contact us today to discuss your requirements in more detail and get the right advice.

Below, we have tried to make things simple for you, clearly showing you the importance of these products. The main types of commercial insurances are:

Public liability insurance
This insurance is in place to cover liability claims for injury to a person/s at your own premises and outside of your employment address or claims for damage/s to a third party’s property.
Public liability insurance is vital if you have customers coming in and out of your offices or place of work or if you carry out work for clients at their homes or places of work. With so many different conditions that may apply to your individual type of business or trade, we highly recommend speaking to one of our specialist advisors to discuss your requirements in more detail.

Employers’ liability insurance
This is a legal requirement if you have one or more employees within your workplace. This covers you for claims arising from your liability for employee/s injury, illness or death.
If employers’ liability is not taken out and you have more than one employee, you could be asked to pay a fine of £2,500 for each day you do not have it.

Professional indemnity insurance
This insurance is in place to protect you against claims arising from your negligence, bad advice or if you make mistakes in the process of work carried out for a client, which may have resulted in them making a financial loss through time or money.

The types of business that take out professional indemnity insurance can be; mortgage advisors, estate agents, architects, accountants, IT consultants, financial advisors, engineers and many other fields in which professional advice is given.

Business building and contents
Just as we protect our homes, it is imperative we protect our places of work and its contents. Equipment which costs thousands of pounds must be insured. We are also able to arrange for your home office to be protected under your buildings policy which can save you both money and time.


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