Small Business Insurance

Liability Insurance

Public Liability Insurance

Public liability insurance is generally required because it provides your business with cover against legal claims.

Employers Liability Insurance

Employers' liability insurance allows businesses to meet the costs of compensation and legal fees for employees who are injured or made ill at work through the fault of the employer.

Combined Liability Insurance

Combined Public & Employers Liability Insurance enables a businesses to meet both legal liabilities to the public and employees, and reduce the cost and administration of taking out separate policies.

Professional Indemnity Insurance

Known as professional indemnity insurance, this type of liability cover provides protection for negligent advice or a service provided by you, and is designed to safeguard you against claims made by clients for any resulting financial loss or damage to their reputation.

Product Liability Insurance

The Consumer Protection Act 1987 makes it a criminal offence to supply unsafe consumer goods. Any product you supply must be "fit for purpose." If it isn't and someone suffers injury, illness, loss or damage as a result of using your product, then you are legally liable and could be sued for millions.

Commercial Motor Insurance

Van Insurance

To use a commercial van on the open road you must have one of three levels of motor vehicle insurance policy: Comprehensive, Third party fire and theft, Third Party only.

Fleet Insurance

Fleet insurance is the combining of the insurance for all your company or organisation vehicles into one insurance policy, saving time and money.

Road Haulage & Couriers

Whether you're an small business owner-driver or a large fleet operator, after fuel, wages, vehicles and maintenance, insurance will be a large operating cost.

The Insurance cover you need may be: Comprehensive, Third Party, Fire and Theft; or Third Party Only; and Goods in Transit.

Motor Trade Insurance

All kinds of businesses work in the motor trade - car dealers, service and body-repair garage workshops, self-employed: repairers, mechanics, motor engineers, panel beaters, tuners, servicers, valeters, breakdown/accident recovery operators

Motor Trade insurance cover is split into two basic categories: Road Risk and Combined Policies, see above to find out more.

Trades & Self Employed Insurance

Shop Insurance

Whether you're a butcher, baker, grocer, jeweller, hairdresser, newsagent or photographer, operating a franchise or running a corner shop you'll want the right commercial insurance package for you. This should give you the peace of mind to let you concentrate on running your retail business.

Hospitality Sector

Hotel Insurance

Hotel insurance will generally include cover: Buildings, business interruption, trade contents & stock, accidental damage by guests, guests & employees personal effects, liability cover for you & your belongings, employee theft, loss of money, loss of liquor licence, goods in transit, engineering failure, trade credit insurance, legal expenses, book debts and computer breakdown.

Pub & Restaurant Insurance

Tailor made for: bars & cafes, clubs & cocktail bars, coffee shops, delicatessan, bistros, licensed & unlicensed restaurants, mobile caterers and burger vans, outside caterers, nightclubs, pubs & inns, sandwich bars, takeaways, wine bars.