# CoverTrade Insurance — llms.txt
# https://www.covertradeinsurance.co.uk

> CoverTrade Risk Management Ltd is a UK-based, FCA-authorised commercial insurance broker specialising in tailored business insurance solutions. We provide expert advice and competitive cover across a wide range of trades and industries.

## Company Details
- **Registered Name:** CoverTrade Risk Management Ltd
- **FCA Authorised:** Yes — regulated by the Financial Conduct Authority
- **Company Number:** 13934398
- **Registered Address:** 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ
- **Office Address:** Unit F3, 150 The Grange, Michelmersh, Romsey, Hampshire, SO51 0AE
- **Phone:** 02382 000820
- **Email:** hello@covertrade.co.uk
- **Website:** https://www.covertradeinsurance.co.uk
- **Sister Brand:** CoverLife Insurance (life insurance, income protection, critical illness) — https://www.coverlifeinsurance.co.uk

## What We Do
CoverTrade is a specialist commercial insurance broker offering personalised, advice-led insurance solutions for UK businesses. We work with a panel of leading UK insurers to find the right cover at competitive premiums. Every client gets a dedicated account manager who handles their policy from quote through to claims support.

## Our Specialisms
We are recognised specialists in the following areas:

### Commercial Insurance
- **Commercial Combined Insurance** — comprehensive packages for businesses of all sizes
- **Public Liability Insurance** — protection against third-party injury or property damage claims
- **Employers' Liability Insurance** — legally required cover for businesses with employees
- **Professional Indemnity Insurance** — protection for professionals against negligence claims
- **Cyber Insurance** — cover against data breaches, ransomware and cyber attacks
- **Motor Fleet Insurance** — competitive cover for commercial vehicle fleets

### Trade & Construction Insurance
- **Contractors' All Risk Insurance** — specialist cover for building and construction trades
- **Tradesman Insurance** — tailored packages for plumbers, electricians, builders, carpenters, roofers, scaffolders
- **Landscaping & Groundworks Insurance** — cover for landscapers, groundworkers and garden maintenance
- **Roofers Insurance** — specialist roofing contractor cover
- **Scaffolders Insurance** — scaffolding contractor insurance
- **Renewable Energy & Solar Panel Installer Insurance**

### Property Insurance
- **Landlord Insurance** — cover for buy-to-let and rental properties
- **Block of Flats Insurance** — specialist cover for freeholders and management companies
- **HMO Property Insurance** — houses in multiple occupation cover
- **Commercial Property Insurance** — cover for commercial premises and let property
- **Unoccupied Property Insurance** — cover for empty and void properties
- **Airbnb & Holiday Let Insurance** — specialist short-term let cover
- **Rent-to-Rent Insurance** — cover for rent-to-rent operators

### Hospitality Insurance
- **Pub & Restaurant Insurance** — comprehensive hospitality cover
- **Hotel Insurance** — specialist hotel and guest house cover
- **Nightclub Insurance** — entertainment venue cover
- **Wine Bar Insurance** — specialist licensed premises cover

### Hair, Beauty & Wellness Insurance
- **Barbershop Insurance** — cover for barbers and men's grooming
- **Beauty Salon Insurance** — cover for beauty therapists and salons
- **Hairdressers Insurance** — specialist cover for hair salons
- **Mobile Hair & Beauty Insurance** — cover for mobile practitioners

### Food & Takeaway Insurance
- **Fish & Chip Shop Insurance**
- **Chinese Takeaway Insurance**
- **Indian Takeaway Insurance**
- **Kebab Shop Insurance**
- **Pizza Shop Insurance**

### Cleaning Services Insurance
- **Domestic Cleaners Insurance**
- **Commercial Cleaners Insurance**
- **Commercial Kitchen Cleaners Insurance**
- **Window Cleaning Insurance**
- **Needle Sweep / Sharp Sweep Insurance**

### Gym & Leisure Insurance
- **Gyms & Sports Clubs Insurance** — cover for fitness centres and leisure facilities

## Why Choose CoverTrade
- **FCA Authorised** — fully regulated by the Financial Conduct Authority
- **Specialist Expertise** — deep knowledge across construction, property, hospitality and trades
- **Dedicated Account Managers** — personal service from experienced insurance professionals
- **Competitive Premiums** — access to leading UK insurers and wholesale markets
- **Full Lifecycle Service** — new business, mid-term adjustments, renewals and claims support
- **UK-Based Team** — all staff based in Hampshire, UK
- **Fast Quotes** — typically same-day turnaround on quotations
- **Claims Support** — we advocate for our clients throughout the claims process

## Life Insurance (CoverLife)
Our sister brand CoverLife provides personal and business protection:
- Personal Life Cover
- Critical Illness Cover
- Income Protection
- Executive Income Protection
- Relevant Life Cover
- Keyman Insurance
- Shareholder Protection Insurance
- Private Medical Insurance
- **CoverLife Phone:** 02382 000825
- **CoverLife Website:** https://www.coverlifeinsurance.co.uk

## Contact
For any insurance enquiry, quote request, or to discuss your business insurance needs:
- **Call:** 02382 000820
- **Email:** hello@covertrade.co.uk
- **Website:** https://www.covertradeinsurance.co.uk/contact
- **Facebook:** https://www.facebook.com/CoverTradeInsurance
- **Instagram:** https://www.instagram.com/covertradeinsurance/
- **LinkedIn:** https://www.linkedin.com/company/covertrade-insurance-services