Commercial Insurance

Recommended Insurance for all Businesses

Regardless of the size of your business, it is recommended that you should have Public Liability insurance. And it may be a requirement of some of your customers that you hold this cover. Limits of Indemnity begin at £1 million with higher limits available.

If you have employees, it is a legal requirement that you have Employers Liability insurance.
If your business involves design or advice, it is recommended that you carry Professional Indemnity insurance to help protect you against losses arising from errors or omissions.
You should also consider insuring your equipment and other physical assets against loss or damage.

Whatever your occupation, your policy will be designed around your needs.
Some of the trades and professions we work with are shown below but the list is not comprehensive.

0141 647 3778

Get in touch with us today  to discuss your needs.

Shop Insurance
A bespoke insurance package policy designed around your business, which can include: –
  • Building
  • Contents and Stock
  • Business Interruption (Loss of Revenue)
  • Public and Products Liability
  • Employers’ Liability
  • Goods in Transit
  • Glass
  • Money
  • Commercial Legal Expenses
There are other covers available that may be relevant to your business such as Loss of Licence.
Motor Trade Insurance

Suitable for all aspects of the Motor Trade operating from premises, a bespoke insurance policy that is designed around your business, which can include: –

  • Road Risks, covering your own vehicles and vehicles belonging to customers
  • Damage to your property and property in your custody
  • Business Interruption (Loss of Revenue)
  • Public and Products Liability and Defective Workmanship
  • Employers’ Liability
  • Goods in Transit
  • Engineering Inspection
  • Money
  • Commercial Legal Expense

Other covers that are relevant to your business are available.

Construction Insurance
Suitable for all aspects of the Construction Industry, a contractor policy can include: –
  • Public and Products Liability
  • Employers Liability
  • Construction All Risks, covering buildings in course of erection or repair
  • Own Equipment
  • Hired in Equipment
  • Personal Accident
Other covers that may be relevant to your business such as Bonds and Professional Indemnity are available.
Landlord Insurance
Whether you own and rent out Residential or Commercial property, there is an Insurance policy suitable for you. A policy can contain: –
  • Building
  • Landlord Contents
  • Loss of Rental Income
  • Property Owner Public Liability
There are other covers available that may be relevant to you, such as Employers Liability and Legal Expenses.
Working From Home Insurance

A policy that is specifically designed for Home based businesses. A policy can contain:

  • Contents
  • Public and Products Liability
  • Employers Liability
  • Business Money
  • Business Interruption (Loss of Revenue)
  • Commercial Legal Expenses

There are other covers available that may be relevant to you, such as Building, Professional Indemnity and Home Contents.

Professional Services

Professional Indemnity insurance helps protect your business against claims made by your clients relating to an alleged error or omission made by you in a professional capacity. Various Limits of Indemnity are available.

Other covers you may wish to consider include:

  • Public Liability Insurance
  • Employers Liability
  • Management Liability
  • Buildings and/or Contents
Motor Fleet Insurance
We can arrange a Motor Fleet policy for you if your business owns 4 or more vehicles, be they all commercial vehicles, cars or a variety of vehicles. You can choose to have drivers named on your policy, or have a policy which allows anyone in your employment to drive your vehicles. Subject to availability, you can choose Comprehensive, Third Party Fire and Theft, or Third Party Only cover.
Office & Surgery Insurance
A bespoke insurance package policy designed around your business, which can include: –
  • Building
  • Contents
  • Business Interruption (Loss of Revenue)
  • Public and Products Liability
  • Employers’ Liability
  • Goods in Transit
  • Glass
  • Money
  • Commercial Legal Expenses
There are other covers available that may be relevant to your business such as Professional Indemnity.
Care and Social Welfare Insurance
In order to protect your service users and your business, we can arrange a specialist Insurance policy designed specifically for the Care Industry, which can include: –
  • Building
  • Contents
  • Residents Contents
  • Business Interruption (Loss of Revenue)
  • Public and Products Liability
  • Employers’ Liability
  • Medical Malpractice
  • Management Liability
  • Commercial Legal Expenses
Hospitality Insurance

A bespoke Insurance package policy designed for the Food and Drink trade and built around your business. Your policy can include: –

  • Building
  • Tenants Improvements and Decorations
  • Contents and Stock
  • Business Interruption (Loss of Profits)
  • Public and Products Liability
  • Employers’ Liability
  • Goods in Transit
  • Glass
  • Money
  • Commercial Legal Expenses

Other covers are available that may be relevant to your business such as Loss of Licence.

Wholesale Insurance
A bespoke Combined Insurance policy built around your business. Your policy can include: –
  • Building
  • Tenants Improvements and Decorations
  • Contents and Stock
  • Business Interruption (Loss of Profits)
  • Public and Products Liability
  • Employers’ Liability
  • Goods in Transit
  • Commercial Legal Expenses
Other covers are available that may be relevant to your business such as Engineering Inspection and Management Liability.
Hotels, B&B’s and Guest Houses
A bespoke package Insurance policy specifically designed for Hotels and Guest Houses. Your policy can include: –
  • Building
  • Contents
  • Stock
  • Guests Effects
  • Business Interruption (Loss of Revenue)
  • Public and Products Liability
  • Employers’ Liability
  • Glass
  • Money
  • Commercial Legal Expenses
Other covers are available that may be relevant to your business such as Engineering Inspection and Management Liability.
Manufacturing and Repair
A bespoke Combined Insurance policy built around your business. Your policy can include: –
  • Building
  • Tenants Improvements and Decorations
  • Contents and Stock
  • Business Interruption (Loss of Profits)
  • Public and Products Liability
  • Employers’ Liability
  • Goods in Transit
  • Commercial Legal Expenses
Other covers are available that may be relevant to your business such as Engineering Inspection and Management Liability.