Commercial Insurance Consultants

Get the right cover for your business

If you are in business you will need insurance. Not only are some types of insurance compulsory but without it your livelihood is at risk. An unexpected loss could cause financial hardship and destroy years of hard work.

For businesses there are three main areas that you need to consider:

Insurances that protect against loss or damage caused to your business’ property or trade by adverse events.

Specific areas of insurance in this group may include cover for:

  • Property – buildings and contents
  • Engineering Failure
  • Theft
  • Money
  • Goods in Transit
  • Business Interruption
  • Trade Credit Insurance
  • Motor Vehicles
  • Legal Expenses
  • And a variety of other risks
Insurances that cover your business’s legal liabilities in the event of some aspect of your business causing damage or harm to a third party or their property.

Employers’ Liability insurance is compulsory by law, but other areas of liability that you may need to consider insurance cover for include:

  • Public and Product Liability
  • Motor Vehicle Liability
Insurances that protect both you and your employees against the consequences of serious illness, injury or death.

This includes the effects these events could have on your employees, on their families, and on your business. Areas of insurance you might consider are:

  • Personal Accident and Sickness Insurance
  • Private Medical Insurance


Specific examples of Commercial Insurance we can help with:

Speciality retail

With the ever-changing nature of technology available to retailers, products can now be sold across more platforms than ever before. We have several insurance solutions available that are able to encompass products sold across any platform, for example online shops, wholesalers and importers, shops and trade counters, and specialist and niche products.

Speciality home

We are able to provide home insurance for any type of home, including unique properties which most online or off-the-shelf providers cannot accommodate, for example thatched properties and non standard construction premises.

We have products that are tailored for homes that are being let through the short term rental markets, such as AirBnB, as it is often common for most insurers to exclude short term rental use, which has led to complicated issues when a claim occurs. The facility is also geared towards individuals who are working from home allowing you to run your business from your residence without invalidating your insurance policy.

Services include:

  • Homeworkers
  • Short term let
  • Mid-net and high-net properties
  • Holiday and second homes
  • Speciality and niche homes
  • Non standard construction
  • Self build policies
Commercial combined

A commercial combined insurance policy will cover everything from the materials used to make the product, the machinery used to manufacture the product and even the goods whilst in transit to your customers destination. We offer a wide range of commercial business policies, that can offer various elements of cover for most types of businesses, including manufacturers and suppliers, importers and exporters, mixers, brewers and refineries, and warehouses and production facilities.

Pub, restaurant, hotel and takeaway insurance

Independent food outlets have become increasingly popular in recent years, with owners often looking to offer something a little different to make their businesses stand out. We offer a tailored and flexible solution to businesses of all shapes and sizes, meaning that however you look to differentiate your business from the crowd, we’ll be sure to provide you insurance cover against any increase in risk.

We can provide bespoke solutions with a number of the UK’s leading insurers, which enables us to be competitively priced whilst providing the best coverage available.

Types of premises covered include:

Cafes and coffee shops
Hotels, guesthouses and B&B’s
Takeaways and fast food restaurants
Bars and gastro pubs

Unoccupied commercial property
  • Renovations
  • Extensions
  • Alterations & More

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