Business insurance by covers

Buildings insurance

Business buildings insurance covers damage to the physical structure of your commercial property, including walls, roofs, fixtures and fittings. It is essential for property owners and landlords, helping protect against costly repairs following insured events such as fire, storm or flooding.

Contents & stock insurance

Contents and stock insurance helps protect your business against damage or loss to equipment, furniture, stock and other essential items following events such as fire, flood or theft. This cover is particularly important for businesses that rely on physical assets to trade, as replacing damaged contents or lost stock can be costly.

Business interruption cover

Business interruption insurance helps protect your income if your business is forced to stop trading following an insured event. It can cover lost revenue and additional operating costs, supporting cash flow while you recover.

Business legal protection

Business legal protection insurance helps cover legal expenses if your business needs to pursue or defend a claim. This can include employment disputes, contract disagreements or tax investigations, providing access to legal support without unexpected costs.

Cyber & data insurance

Cyber and data insurance helps protect your business against risks such as data breaches, ransomware attacks and system outages. It can provide financial support and expert assistance to help your business recover from cyber incidents.

Directors & officers insurance

Directors and officers insurance protects company directors and senior management against claims linked to decisions made while running the business. This cover can help safeguard personal assets if legal action is taken over alleged mismanagement or regulatory breaches.

Employers' liability insurance

Employers’ liability insurance is a legal requirement for most UK businesses with employees. It helps protect against compensation claims if an employee is injured or becomes ill due to their work, covering legal fees and damages.

Key person insurance

Key person insurance helps protect your business if a vital individual becomes seriously ill or passes away. It provides financial support to cover lost income, recruitment costs or loan repayments during a difficult period.

Marine cargo insurance

Marine cargo insurance helps protect goods while they are transported by sea, air, road or rail. This cover supports businesses involved in importing, exporting or distribution if goods are lost or damaged in transit.

Product liability cover

Product liability insurance helps protect businesses that manufacture, supply or repair products if they cause injury or damage to property. It can cover compensation claims and legal costs when selling or distributing goods.

Professional indemnity cover

Professional indemnity insurance helps protect businesses that provide advice or services if a client claims financial loss due to errors, omissions or negligence. This cover is often essential for consultants and service-based businesses.

Public liability insurance

Public liability insurance helps protect your business if a member of the public is injured or their property is damaged due to your work. It is particularly important for businesses that interact with customers or operate in public spaces.

Rebuild Valuations

Ensuring your commercial property has the correct building reinstatement value is vital to protecting your business from the costly risks of underinsurance.

Tool cover

Tool cover helps protect essential tools and equipment if they are lost, stolen or accidentally damaged. This cover is especially valuable for trades and contractors who rely on their tools daily.