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From sole traders to SMEs, we offer tailored commercial insurance solutions to protect your business, assets, and staff. Our experts work with a range of commercial insurers to build the right package for your industry.

Important:Commercial insurance requirements vary by business type. Make sure your policy reflects the specific risks you face.

    Commercial Insurance Types

    • Public Liability Insurance:

    • Protects your business against claims from the public for injury or property damage caused by your activities.

    • Employers’ Liability Insurance:

    • Legally required if you employ staff, covering injury or illness claims made by employees.

    • Professional Indemnity Insurance:

    • Covers legal costs and compensation if your business gives advice or services that lead to client losses.

    • Commercial Property Insurance:

    • Covers your business premises, equipment, and stock from risks like fire, theft, or flood.

    • Business Interruption Insurance:

    • Covers lost income and operating costs if your business can’t trade due to an unexpected event.

    Commercial Insurance – Payout Structures

    Commercial insurance claims can be handled in various ways depending on the policy type and business risk.

    • Indemnity-Based Payout:

    • Covers the actual financial loss your business suffers, e.g., loss of income or damaged stock.

    • Agreed Value Payout:

    • Pre-agreed amount paid upon a claim—common with key-person insurance or certain asset policies.

    • Replacement or Repair:

    • For property or equipment damage, insurers may cover the cost of repairs or replace items with like-for-like equivalents.

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