Commercial

Cover built around how your business actually works.

No two businesses carry the same risk, so we don't start from a standard policy and hope it fits. We start by understanding what you do, where the exposure sits, and what would actually happen if something went wrong - then we arrange cover around that.

Our commercial clients range from small offices to specialist operators with more complex requirements. Whatever the size of your business, you'll deal directly with a member of our team who knows your policy, not a call centre working from a script.

Our Commercial Services Cover

Property Owners & Real Estate Insurance

Protects commercial landlords, residential investors and portfolio managers, covering buildings against fire, flood and storm, loss of rent, and liability claims from third parties.

Office & Business Insurance

Covering contents such as furniture and computers against theft, damage and fire, with employers’ and public liability and business interruption available.

Shops & Salons Insurance

Built for retailers, hairdressers, beauty salons and other high-street businesses, covering stock, contents and fixtures against damage or theft, with public and treatment liability included.

Commercial Combined Insurance

Brings together cover for premises, contents, business interruption, employers’ and public liability and products liability in a single policy for manufacturers, distributors and larger businesses.

Tradesman Insurance

Covers tradespeople, builders, electricians, plumbers and subcontractors working on clients’ sites, including public and employers’ liability, tools, plant and contract works in progress.

Professional Indemnity Insurance

Protects consultants, advisers, accountants, designers and other professionals against claims of negligent advice or breach of professional duty, covering legal defence costs and compensation.

Management Liability Insurance

Protects directors, partners and senior managers against personal liability for decisions made in running the business.

Cyber Liability & Crime Insurance

Protects businesses against ransomware, data breaches and fraud carried out by deception, covering the cost of recovery and financial losses from cyber incidents.

Personal Accident Insurance

Pays a benefit if a business owner, key person or employee suffers a disabling injury or accidental death, supporting them and the business while they recover.

Commercial Vehicles Insurance

Provides third-party or comprehensive cover for vans, company cars and other vehicles used for business, protecting against accidental damage, fire, theft and liability to others.

Mini Fleet Insurance

Puts a small fleet, typically two to fifteen vehicles, on one policy with a single renewal date, bringing vans, cars and trucks together with consistent terms.