Business Insurance Products
Most insurance pages tell you what a cover includes and stop there. The part that decides whether a claim pays is almost always where the cover stops, so every page here has that section too. If you already know your trade, our trade pages are the better place to start.
Cover By What It Does
These pages are organised by product rather than by trade, which is the other way round from the rest of the site. They answer what a cover is, who needs it and what it will not do, without assuming you already know which box your business sits in.
Where your trade has a page of its own, that is the more useful read, because the detail that matters to a roofer is not the detail that matters to a chip shop. Start with insurance by trade if you know what you are looking for.
Liability
Cover for the harm your business does to other people, and the one the law insists on.
Public Liability Insurance
Injury to other people and damage to their property, caused by your business.
Employers' Liability Insurance
Compulsory cover for claims from the people who work for you.
Professional Indemnity Insurance
Claims arising from your advice, design or specification rather than your hands.
Package policies
Several covers on one schedule, one renewal date and one insurer to argue with.
Contractors Combined Insurance
Liability, contract works, plant and tools on one schedule and one renewal.
Shop Insurance
Stock, fixtures, glass, money and liability for premises the public walks into.
Contractors All Risk Insurance
The contract works themselves, before they are handed over.
Commercial Combined
Property, stock, interruption and liability for premises based businesses.
Tools, plant and transit
The things you own and move, where the conditions matter more than the cover.
Tool Insurance
Hand tools and small plant, and the van conditions that decide the claim.
Plant Insurance
Owned and hired in machinery, including the hire charges that keep running.
Goods In Transit Insurance
Stock and materials while they are on the move, yours or somebody else's.
Motor Fleet
Several vehicles on one policy and one renewal date.
Business risks
Losses with nothing physical about them, which are the ones that close businesses.
Not sure which you need?
Most businesses need three or four of these and are sold six. Tell us what the business actually does and we will tell you which ones matter, which can wait and which you are paying for without benefit.
Common questions
Which insurance does my business actually need?+
Employers' liability is the only one required by law once you have anybody working for you, with motor insurance separately compulsory for vehicles on the road. Public liability is not a legal requirement but is demanded by almost every commercial contract. After those two it depends entirely on what you do: tools and plant if you carry them, contract works if you build, professional indemnity if you advise or design, business interruption if losing your premises would stop you trading.
Should I buy a package policy or separate covers?+
Separate policies let you shop each one independently and often work out cheaper for a smaller business with liability and tools and little else. A package tends to price better once there are employees, premises, plant and stock involved, and it removes the risk of a gap opening up between two insurers when one claim touches both. Size is usually the deciding factor rather than preference.
What is the difference between public and employers' liability?+
Public liability covers claims from people who do not work for you: customers, passers by, the owners of property you damage. Employers' liability covers claims from the people who do work for you, including labour only subcontractors working under your direction. Employers' liability is compulsory at a £5 million statutory minimum; public liability is not required by law but is required by most contracts.
Why do you not publish prices on these pages?+
Because a price has to come from a policy we actually placed, otherwise it is a financial promotion with nothing behind it. Our trade pages do publish figures, drawn from our own book and matched to the work described. There is no equivalent cut per product, so these pages set out what the premium is built from instead and we give you a real figure on the phone.
Can I buy just one of these?+
Yes. Most of these are available on their own, and for a lot of businesses that is the sensible way to start. What we would rather avoid is selling you four separate policies that a single package would have covered better and cheaper, which is the conversation worth having before you buy anything.
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