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Commercial Insurance
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.
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Employers’ Liability Insurance:
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Professional Indemnity Insurance:
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Commercial Property Insurance:
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Business Interruption Insurance:
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Indemnity-Based Payout:
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Agreed Value Payout:
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Replacement or Repair:
Commercial Insurance Types
Protects your business against claims from the public for injury or property damage caused by your activities.
Legally required if you employ staff, covering injury or illness claims made by employees.
Covers legal costs and compensation if your business gives advice or services that lead to client losses.
Covers your business premises, equipment, and stock from risks like fire, theft, or flood.
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.
Covers the actual financial loss your business suffers, e.g., loss of income or damaged stock.
Pre-agreed amount paid upon a claim—common with key-person insurance or certain asset policies.
For property or equipment damage, insurers may cover the cost of repairs or replace items with like-for-like equivalents.
