Commercial Insurances
To obtain a no obligation commercial insurance quote please select the type of building or business you require insurance for...
 | Commercial Buildings or Commercial Businesses Bars, Cafes, Care Homes, Churches, Colleges, Commercial Property, Commercial Buildings, Estate Agents, Factories, Florists, Nightclubs, Nurseries, Offices, Opticians, Pubs, Restaurants, Schools, Shops, Social Clubs, Surgeries, Theatres, Takeaway's, Warehouses | ||
 | Trades Builders, Businesses, Contractors, Cleaners, Electricians, Estate Agents, Plumbers, Public Liability Insurance, Tree Surgeons, trade'smen. | ||
 | Accommodation Businesses | ||
 | Sports Clubs Bowling Clubs, Cricket Clubs, Dance Studios, Football Clubs, Golf Clubs, Gymnastics Clubs, Gymnasiums, Health Clubs, Hockey Clubs, Rugby Clubs, Sports Centres, Swimming Pools, Tennis Clubs |
Almost every business, large or small will need some form of commercial insurance cover, to protect the business and the livelihoods of the owners and of course the employees. The owner of any business will need to analyse the risks that his concern may face and then seek to buy insurance protection against them. Some risks will be obvious, others not so. Some covers will be required by lenders of finance (such as a commercial mortgage) and some will be required by law. Via our partner companies, we can offer a wide range of commercial insurance polices covering a large variety of business. From liability insurance contracts for trade's persons through to large multi million pound business based at a number of locations, we will be pleased to help you with your enquiry.
Whilst most business will face a similar range of perils, not all the covers are the same and there are subtle differences between styles of contact such as shops, offices, surgeries, restaurants and pubs etc. Purchasing insurance on a package basis is a convenient way to obtain your business insurance as many policy sections are grouped together, making it easier for the business owner to administer with the added benefit of a single renewal date. Normally, you will be able to pay by monthly direct debit which of course can help with your business budgeting.
Insurance is provided against a wide range of perils such as fires and floods etc and can often be extended to include accidental breakage cover. Buildings Insurance is available to cover the trade premises (we are quite happy to quote for business that do not own, rent or lease premises, if you are just looking for liability insurance with perhaps the addition of cover for tools and equipment we would be interested in hearing from you). We can cover both owner occupiers and landlords. Under contents insurance we can cover: General Contents, Stock & Equipment Fixtures & Fittings & Tenants Improvements. You can pick you sum insured for this section. Electronic equipment such as computers, photocopies, EPOS systems, etc can also be included and an optional extra is to include cover for items taken away from the business premises (such as computers).
We include cover for Business Interruption as well, which provides valuable cover should your business be unable to trade or trade at full capacity following an insured perils. Many businesses are simply unable to survive extended periods without income as often certain overheads such as employment costs, rent rates, and utility charges are fixed and will still have to be paid during the period the business cannot trade. The liability section of the policy provides valuable protection against claims for negligence from members of the public and from employees. It is almost impossible to predict where a claim will come from under this section of the policy but with a society that is becoming increasingly litigious, ensuring your business has the correct form of cover is essential. Other available covers include Money, Assault, Personal Accident, Loss of Licence (if required) and Goods in Transit and Legal Expenses insurance.
If you require assistance or a quotation, please either telephone our office or complete one of our online forms.