Commercial Insurance

Commercial Combined Insurance is one single policy that includes multiple key business insurances. Your business may need to take out several policies to protect your company and it's employees but you may not want more than one renewal date. This can become confusing and hard to manage, that's why we can offer a bespoke package which covers your business needs, with one easy renewal date.

Commercial combined cover typically includes; Public Liability, Employer’s Liability, Business Interruption, Personal Accident Cover, Money, Goods in Transit and Legal Expenses.

Owning multiple vehicles with multiple policies can be hard to manage and keep organised. That's why we offer Fleet Insurance to protect a wide range of vehicles under one singular policy with one policy date to remember.

Fleet Insurance is normally aimed for businesses who may have different employees using the same individual vehicle or using multiple different vehicles every day. Make sure you and your employees are insured for if a bump was to happen on the road.

You might have spent a lot of time to try and make your business and working environment as safe as possible, however accidents do still occur. Employers' Liability Insurance can protect you in the event that one of your employees is injured, or becomes ill due to the work they do for you and they look to claim against your business. Public Liability Insurance can protect you if a member of the public is injured, or if their property is damaged because of your business, or business activities.

For example, if you have the public coming on site to your office then you should have Public Liability Insurance in place. A member of the public could fall and injure themselves on your uneven surface and they may be unable to work meaning you could be held responsible and a claim could be made against you and your company.

Professional Indemnity Insurance is normally for but not limited to; designers, teachers, solicitors, tutors, accountants, architects and more.

Professional Indemnity (PI) is cover for the cost of compensating clients for loss or damage resulting from negligent services or advice provided by a business or an individual. This policy can cover compensation and legal fees if this were to happen and provide peace of mind that you’re protected whilst out on a job.

For example, you could make an error in the design specification of a building, or accidentally send a confidential contract to the wrong client, then a claim could be raised against you or your business.

So you've decided to start your own business being a tradesman? Or you work as a tradesman but want to have peace of mind knowing you are insured?

Every day is very different with different obstacles along the way. When working as a tradesman you could be using sharp tools, dangerous chemicals and heavy machinery every day. But it only takes one small spillage, or a trip over a misplaced garden rake for you, or your business to be held accountable.

This policy is normally aimed to but not limited to; gardeners, painters, plumbers, electricians. We can also offer a policy which covers you for Professional Indemnity Insurance too without having to juggle multiple policies meaning less renewal dates!

It does not matter if your business sells goods online or in store, it is a good idea to be covered if problems occur.

When selling goods online you could need multiple Insurance policies for example, Goods in Transit Insurance, Contents Insurance, Cyber Insurance and more. These can all be covered in one simple, package policy.

Insurance can help to keep your business moving if a problem occurred. Let's say you were to have a cyber breach within your business and could not sell goods on your online shop for a period of time; you could be protected with Shops/Office Insurance.

When owning an office, it is a legal requirement to have Employers Liability insurance to protect and keep your employees safe. When employees are using your office area and equipment, accidents can happen. You want to be prepared for them if an employee was to take legal action.

Your staff could be exposed to possible risks when working with people in restaurants. When using kitchen equipment, things could go bad very quickly for example burns or fires. You want to ensure your business, staff and reputation are protected.

Cyber Insurance is cover you take out in case your business becomes the victim of a cyber-attack. These attacks can have pretty significant consequences, so it pays to understand your risks and do all you can to manage them.

Cyber Insurance can include compensation for a variety of costs related to cyber security. These include technical fixes to future preventative measures and even repair to your business's reputation. As technology becomes increasingly important for successful business operations, the value of a strong Cyber Liability Insurance policy will only continue to grow. Cyber Liability Insurance is specifically designed to address the risks that come with using modern technology, providing you with peace-of-mind security.