Businesses come in all shapes and sizes, so it’s important that your business insurance partner properly understands your business and tailors the right cover for your needs. We work with a wide range of organisations in many different sectors, from sole traders to franchises, which means we have the experience and knowledge to help guide you through the complex insurance process.
These are just a couple of the sectors we deal with:
Guest Houses & B&Bs
Tourism, Leisure & Entertainment
Events & Exhibitions
Business Insurance protects your business against commercial interruptions, costs of property damage, theft and claims made against your business by others.
You can take out business insurance for a range of possible losses, including natural disasters, accidental losses, wilfull damage and costs of employees failing in their duties.
WHAT ARE THE OPTIONS?
General Business Insurance: This is business insurance that covers your business assets against loss or damage due to theft, vandalism, flood, fire and other perils.
Liability Insurance: This is business insurance that covers your business against claims for injury or damage your business activities cause. This is especially important for businesses that work on clients' assets, do work on client premises or provide advice or services that could prove costly if incorrect.
Some business insurance policies combine general and public liability insurance. You can also get business insurance that covers injuries to employees on business premises.
What is Covered?
Covers accidental loss, damage or destruction to specified property such as your buildings and their contents, (including stock, plant and machinery, electronic equipment, money, glass and documents) whilst on the premises or in transit.
Covers your loss of profits or revenue (and continuing fixed expenses) suffered due to the interruption of your business operations whilst the damaged property is being repaired or replaced following an insured event or disaster.
Will compensate you if you, or an insured employee, are disabled or killed in an accident - regardless of whether it happens at work or not. It will also pay for medical expenses as a result of an accident.
In addition, we offer value-added insurance cover that might be excluded from your business insurance policy. This includes insuring you against excess payments or losses excluded from your standard cover.
What you need to know ... These are just some of the most frequently asked questions we receive about our Business cover.