Insuring Business

The insurance needs of businesses and non-profit organisations can vary greatly. Many different factors, including industry sector, location and size, will determine the type of insurance your organisation needs.

We understand from experience that working for, running and growing a business requires a lot of effort and deep financial reserves. Besides keeping up with your day to day tasks, making sure there’s enough money to cover the running costs and bills, keeping your customers happy and forecasting and managing cash flow, you are are surrounded on all sides by a myriad of risks, many of which have the potential to ruin your business if you are not fully aware of them and prepared. Thankfully, many of these risks can be insured and we can help you in that process.

The one thing you should expect to count on is the protection offered by commercial insurance; but only if the right cover has been bought in the first place.

The comfort of knowing that all the hard work over years will not be lost to a single disaster will provide a sound foundation for you to take commercial risks that are likely to deliver revenue and growth rather, than catastrophes.

Business insurance policies are available to protect your business from a large number of risks including:

  • property damage
  • business interruption
  • injury to members of the public and damage to their property
  • injury to employees
  • goods in transit / marine cargo
  • commercial legal expenses
  • environmental damage
  • plant & machinery breakdown
  • plant and machinery inspection obligations
  • professional indemnity
  • directors and officers liability / management liability
  • commercial crime
  • cyber liability
  • intellectual property
  • commercial motor
  • GAP
  • events
  • personal accident and business travel

A comprehensive portfolio of commercial insurance policies will help to keep your business or non-profit organisation protected. Because the risks to are so diverse it is important to talk to a specialist risk and insurance adviser experienced in placing insurance programmes for a wide range of businesses.

If you like to have a discussion to find out if we can help you please send a message on our contact page or book a call with us using the button below.

Insuring Property

Insuring Construction

Insuring Individuals


Insurance policies for business

Buying the right insurance policies for your business or non-profit can be a complex and mystifying process and you often only find out your insurance programme isn't quite right when you get a claim that isn't covered. To assist, below is a small selection of papers providing a summary of the core insurance covers that a business owner or manager should be familiar with. Click on each image for a pop-up taster of what each document is about and if you want to read the rest, simply click on the download button for a pdf copy.

I can place all these types of insurance, so if you need a quote please do contact us or book a call with us.

Fire & Perils Insurance

No matter your business’ size, industry or location, the threat of a fire still looms. It only takes a few seconds and a few ingredients for a fire to ignite—and another instant for it to engulf your business. You cannot eliminate the possibility of fires; regardless of fire prevention strategies you invest in, the threat will persist. Bolster your fire prevention strategies and protect your business by purchasing robust cover as part of your commercial property insurance policy.

Business Interruption Insurance

If a fire causes the facility to be temporarily unusable, what would you do next? Would your business be able to pay utilities, wages or any other standing charges without income? It could take months before the damaged property is rebuilt and the stock, machinery and equipment are repaired or replaced. Ideally, you would move to a temporary location while your permanent place of business is being repaired. Yet, traditional property insurance does not cover this move or a loss of income when a business must temporarily close. This setback can be minimised by adding business interruption (BI) insurance to your property insurance policy.

Terrorism Insurance

Terrorism is not new, but the frequency, audacity and geographical reach of terrorist attacks have noticeably increased in recent years. Understandably, business owners, risk managers and insurers are concerned with mitigating the risks posed by increasingly prevalent, damaging and random terrorist attacks.

Because losses, costs, damages and expenses from terrorism are typically excluded from standard commercial insurance policies, terrorism cover must either be added on as an extension or purchased as a stand-alone policy. By adding terrorism cover to your policies, you can protect your business from this ever-growing set of hazards.

Public & Products Liability Insurance

The only way to effectively protect the assets of your business is to carry adequate insurance cover. Liability insurance protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.

Commercial Legal Expenses

Despite proper risk management practices, even the most successful and prepared organisations can find themselves suffering from the consequences of a legal dispute. And dealing with litigation problems certainly isn’t cheap—whether it be hefty fines and legal representation costs or excess time spent away from the office, such disputes can leave businesses with a broken bank and a tarnished reputation. Fortunately, insurance policies such as commercial legal expenses cover can help protect your organisation in these circumstances and set you on the road to recovery.

Professional Indemnity Insurance

The need for professional indemnity (PI) cover has grown over the past several decades as more people enter professional service-based occupations. While PI insurance still covers ‘traditional’ professionals, such as doctors, solicitors, accountants and architects, a new market of professionals now need to consider PI cover. Whether a traditional or new professional, you can protect yourself, your business and your reputation by investing in professional indemnity cover.

PI insurance safeguards against catastrophic losses in the event of a legal action due to a negligent act, error or omission by the professional. In addition to claims of error, omission or negligence, PI insurance may also protect against slander, libel and breach of contract.

Directors and Officers Insurance

In today’s business climate of corporate transparency and accountability, an organisation’s officers and directors face a myriad of employment-related exposures. Claims can come from many sources, employees, regulators, shareholders, creditors, customers, etc. Ever-changing regulations, increased employee awareness of employment rights as well as the rise of shareholder activism means directors are more frequently at risk, translating to rising claims and escalating settlement costs.

In the wake of recent unprecedented corporate scandals, clearly the trend of corporate accountability applies to large corporations. But, smaller privately held companies, including not-for-profits, are not exempt from litigation arising out of the management decisions of their boards. They, too, are at risk.

Motor Fleet

Managing your business’ fleet of vehicles—worth anywhere from a few thousand to millions of pounds—can seem like a Herculean task. As a fleet owner, you must ensure your employees are authorised to drive, that each vehicle’s use is covered in your insurance policy and that you can add or remove vehicles from your policy to coincide with your business’ needs.

Fortunately, with a bespoke motor fleet insurance policy you do not need superhuman strength to manage your business’ vehicles. Compared to standard motor insurance policies, the average motor fleet policy is much more robust and flexible, making your job easier by reducing driver restrictions and allowing you to regularly add or remove vehicles from your policy. Unburden yourself by securing a comprehensive motor fleet policy for your business.