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An Essential Guide to Business Insurance

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Premierline is an established and experienced commercial insurance broker who specialise in arranging insurance for businesses of all sizes across a range of industries. As a GSHPA member, you can benefit from a no-obligation review of your business insurance programme and we’ll ensure you get the right insurance cover for your business at a competitive price.
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Business insurance is a simple way to buy various types of insurance covers in one package to protect your business when something unfortunate happens.

We know every business is different and therefore needs to consider the insurance covers that will protect it against the unique risks it faces. Just some of the key insurance covers that a GSHPA member should consider are summarised below:

If a business has employees, it is your responsibility as an employer to protect the health and well-being of your staff. One of the ways you can do this is by having employers’ liability insurance in place to comply with legislative requirements.

It’s designed to protect you against any claims for compensation following an injury or illness suffered by an employee if your company is found to be at fault. It will also cover any legal costs if your Insurance Company chooses to defend your company’s position, as well as the costs and expenses incurred by the employee should you be found legally liable.

If your business involves work on-site or at a third party’s premises you will need to consider Public Liability insurance. Any person can make a claim against you if they are injured or their property is damaged as a result of your business activities.

It is, therefore, the responsibility of the business owner to make sure that any claim for compensation from a third party is met. It could include loss of earnings, future loss of earnings, damages awarded to a claimant and any legal expenses that you could incur if you are found to be liable (up to certain limits).

We all strive for perfection, including in the products that we design, manufacture or supply to our customers. However, regrettably, things sometimes go wrong once they are sold. Product Liability insurance can cover you for legal and compensation costs resulting from injury to people or damage to their property caused if the product is deemed to be defective.

Unfortunately, businesses are at risk from unforeseen events such as flooding, fire and theft. If the worst should happen you may be unable to trade immediately following the event.

Business Interruption insurance can cover you for loss of income suffered whilst you deal with the aftermath of such an event, in addition and providing that your sum insured is adequate, it will take into account any growth in income that might have happened had the disaster not occurred.

Providing advice in a professional capacity can come with risk. No matter how careful you are, sometimes things don’t go to plan. Professional Indemnity insurance is designed to protect your business in the event that a client suffers financial losses as a result of the work you do for them

If your clients rely on your expertise and your actions cause them financial loss you could be personally liable to rectify the damage. Therefore, Professional Indemnity insurance can give you peace of mind and financial security should something go wrong.

Take advantage of your no-obligation insurance review. Our insurance advisors will take time to understand your insurance requirements and search the market to recommend a policy that will cater to your needs. What’s more, we have access to market leading products and pricing from a range of A-rated insurers – giving you the peace of mind that your business is protected should the worse happen.

Simply contact our dedicated team who can help you.

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If you'd prefer, you can also contact our partnerships team by phone.
Duncan Cramphorn
Duncan Cramphorn
Account Director
Steph Conway
Stephanie Conway
Partnership Coordinator
Reasons to choose Premilerine:
  • Award winning service
    We're trusted by thousands of SMEs accross the UK
  • Comprehensive protection
    We can help with all your commercial insurance needs
  • UK based  experts
    Located in Lancaster, our advisors are here to help
Ground Source Heat Pump Association is an Introducer Appointed Representative of Allianz Business Services Limited trading as Premierline Business Insurance Broker. Ground Source Heat Pump Association and Allianz Business Services Limited are not part of the same group.
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