Commercial Insurance
Your business didn't happen by accident. Protecting it shouldn't be an afterthought.
Every business has different risks. A contractor doesn't face the same risks as a retailer. A professional service business doesn't face the same risks as a manufacturer.
We'll take the time to understand what your business does, where you operate, what you own, who you work with and what could go wrong. Then we'll help you explore suitable insurance solutions around those risks.
Material Damage
If something you own is damaged or lost, what happens next?
Material damage insurance can help with the cost of repairing or replacing business assets such as buildings, contents, stock and equipment, depending on the policy.
We'll help you understand what's covered, what isn't and how your assets are valued.
Liability
What happens when something goes wrong?
A customer gets injured. Property is damaged. A product causes loss. Something happens because of your business activities.
We'll help you understand where liability risks may exist within your business and what cover may be appropriate.
Business Interruption
The biggest cost of an incident isn't always the damage.
If your premises were damaged and you couldn't operate normally, the physical damage would be one problem. Lost income, ongoing expenses and the time it takes to get back to normal can create another.
Commercial Motor
Your vehicles are part of the business.
For many businesses, vehicles aren't optional. They're how you get the job done. Whether you have one commercial vehicle or a larger fleet, we'll help you understand your options and the risks that need to be considered.
Mobile Plant & Machinery
Your equipment keeps the business moving.
From excavators and loaders to tractors, forklifts, mobile equipment and specialist machinery, plant and machinery can represent a significant investment in your business.
Tools and Equipment
The tools of your trade.
Tools and equipment move between sites, vehicles and workshops, and they're easy to lose or have stolen.
We'll help you understand how they're covered on site, in transit and away from your premises, depending on the policy.
Contract Works
Covering the job while it's being built.
If you're building, installing or renovating, the work in progress carries risk before it's finished and handed over. Contract works insurance can help with damage to a project while it's underway, depending on the policy.
Professional Risks
When your advice or your work is the product.
If a client says your advice, design or service caused them a loss, professional indemnity insurance can help with legal costs and claims, depending on the policy. These policies are usually written on a claims-made basis, so timing matters.
Commercial Property
Your premises, whether you own them or lease them.
Owning a commercial building and leasing one come with different responsibilities.
We'll help you understand what your building, or your obligations under a lease, mean for your insurance.
Cyber Risks
Your business runs on data.
A data breach, ransomware attack or fraudulent payment request can stop a business in its tracks. Cyber insurance can help with response costs, lost income and claims from others, depending on the policy.
Statutory and Contractual Requirements
Some insurance isn't optional.
Contracts, leases, lenders and regulations can all require certain insurance.
We'll help you understand what's being asked of you and check your cover against it.
Specialist Business Insurance
Your business isn't standard. Your insurance shouldn't be either.
Trades. Retail. Hospitality. Professional services. Property owners. Construction. Manufacturing. Transport.