Please note that a minimum number of contributing employees may apply. Below is a summary of a generic policy, from 22 June 2021 onwards, which shows the main covers and exclusions in our policies. We tailor all our policies, so your documents only show what you’ve chosen to cover.
- If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay.
- Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone’s property.
- Public liability insurance protects you and your business if someone claims their property has been damaged, they were injured or fell ill because of you or one of your employees.
- If you aren’t ready to purchase cover just yet, opt for us to stay in touch when you choose cover and we’ll keep you updated with the latest products, price points and special offers.
- This independent seal of excellence is rated by real customers.
Small business insurance is a way to protect your business from financial losses, such as compensation claims, property damage and theft. There are different types of cover available to suit your business needs. Depending on the type of business you run, you might work from home, in an office, at your shop, a client’s premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it’s fixed. It can also cover you for any lost turnover during this time if you’ve insured your premises or business property with us.
What We Can Offer You And Your Business
No matter what type of business you own, it’s important you understand the risks your business could face, so you aren’t left out of pocket if something unexpected happens. We also have an imaginative and quality professional ‘in-house’ marketing and public relations division to promote our message to the business community. We have developed our own unique range of quality insurance products, which has given the business a competitive advantage in several areas. Being in control of the entire process, from enquiry to policy issue, has allowed our business to deliver service levels hitherto unimaginable in this sector, or indeed for a business of its physical size. Business Income Insurance If you need cover for financial loss in the event of accidents, crime or natural disaster. Public Liability Insurance Protects you if a member of the public or visitor to your premises suffers injury or property damage.
Employers liability insurance protects you, your business and your employees, if a member of staff makes a claim. For example, a member of staff falling off scaffolding, or an office employee tripping over a cable and breaking their wrist. If you have premises – like a shop or an office – our business contents insurance will protect you up to the level of cover you choose. Remember to take into consideration, the value of your stock, shop front and contents.
Cyber and data insurance could be especially important for anyone who uses data – including computer programmers and marketing professionals. Any business can face a cyber-attack and it can take time and money to put things right – that’s what our cover is there for. Cyber cover also protects against claims arising from data breaches if you or an employee accidentally shares sensitive information.
More Business Insurance Products
The best way to find out how much it would cost to insure your business is to get a quote online – it only takes a few minutes. And when you’re ready to buy, you can pay annually, or to help spread the cost, you can choose to pay monthly . An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750. You can build your policy from a range of different covers to suit your individual needs.