Business insurance encompasses a wide range of insurance products and types of cover.

Business insurance policies are often tailored to individual businesses or categories of business eg. shops, food & beverage, offices, surgeries, manufacturing, distribution, and commercial property.  The risks associated with different businesses vary widely and will be affected by the size and nature of your business.

Business insurance

What is business insurance?

Business insurance offers essential cover and financial protection for many risks or unforeseen events that can threaten your business. 

Events like storms, floods, fire, vandalism, theft, motor accidents, and third party claims can and do happen and they can totally derail your business and force you to stop trading.  

Having appropriate cover that is tailored to your business can bring you peace of mind and keep your business moving forward, should something unexpected occur.

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Types of Business Insurance

Business insurance helps protect your business against the unexpected. Business owners should consider the following business insurances:

Types of business insurance

Public Liability Insurance

Public liability insurance is financial protection for your business should you be found liable for an injury or loss to a third party as a result of carrying out your occupation.

Public liability insurance will offer financial protection to cover awards to third parties as well as medical and legal costs should you be found liable.

Public liability insurance is financial protection for your business

Product Liability Insurance

Product liability insurance offers financial protection where a product that you have sold, serviced, altered, repaired, or manufactured has caused injury, death, or damage to property of another person due to defect.

Product liability insurance will offer cover for compensation, legal fees, or medical fees should you be found liable for injury or property damage due to a defective product that you have supplied or sold.

product liability insurance policy

Employer’s Liability Insurance

Where an employee is injured or suffers a loss in the course of their employment, you will be covered financially by employer’s liability insurance.

Employers liability cover

Commercial Property Insurance

Commercial property insurance is specialised insurance cover for property that is owned solely as an investment or to generate income.

Commercial property insurance offers cover for commercial buildings and their contents. It can also cover loss of rent due to storm, flood, fire, a burst pipe or other insurable risk.

It can also offer cover for the tenant’s contents and stock, should you be leasing your business premises.

Fidelity guarantee Insurance can be offered as part of commercial property insurance. Fidelity guarantee insurance offers financial protection for loss of money or property due to the fraud or dishonesty of employees.

Tailored Business Insurance Quotes

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Business Interruption Cover Insurance

If an insured event occurs such as a flood or major theft, business interruption insurance covers you for loss of profit following the event, so you can continue trading.

Money or Cash Cover Insurance

Offers financial protection for cash held on the premises or in transit.

Personal Accident Insurance

If you have an accident and are injured, personal accident cover will provide financial protection until you recover.

Commercial Motor Fleet Insurance Insurance

If your business has two or more vehicles, motor fleet insurance will cover cars, jeeps, vans, trucks, and buses in the event you have a motor accident or crash and you or your employee is at fault. It can also cover accidental damage to one of your vehicles, depending on your level of cover.

Your vehicles represent a significant financial investment and driving is one of the riskiest activities your employees carry out so it makes sense to have protection in place to protect your fleet, your employees and any third parties.

fleet insurance is designed to cover the driving of you and your employees in your company vehicles

Professional Indemnity Insurance

Professional Indemnity insurance will cover businesses and individuals costs against claims brought against them by their clients arising out of negligence, breach of contract, breach of IP, breach of data protection, libel, defamation and errors and omissions.

If you or your business offers advice or a professional service , then you need professional indemnity insurance.

Key Person Insurance

Keyperson insurance covers the life of most vital employees in a business should they die or fall seriously ill.

Key person insurance will protect the business from the loss of the knowledge, skills, and experience and the financial impact of that loss by providing a lump sum payment.

life or business insurance policy that a company or business purchases on behalf of a person working at the business

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3. Free Quote Consultation

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Who needs business insurance?

All businesses from start ups, sole traders, tradespeople, small to medium enterprises, professionals, to the largest multinationals need business insurance. 

It is important that you get the right cover for your business.  Whatever its size or nature, your business will face unique risks and appropriate business insurance is essential.

Business insurance is not a legal requirement, with the exception of third party motor insurance, but as a business owner, you have a duty of care towards your clients,customers, employees, suppliers, and third parties.  This means that you will need financial protection should something go wrong.

The breadth and range of business insurance products can be intimidating but we can guide you to find the right cover for you at the right price. Peace of mind means that you can get on with what you do best, growing your business.

shop around for insurance

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If you are a business owner and want to protect your business from the unexpected, take our online assessment quiz to speak with the Qualified Financial Advisor suited to your needs.

We will find the best suited Business insurance quotes to fit your business at the best possible price.

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