Solution

Business Insurance

From protecting your people and premises to managing liability and disruption, we help you put the right core insurance in place so your business can operate with confidence.

Speak to an adviser

The foundations of your business protection

The right cover starts with understanding how your organisation operates, the risks you face and the protection you already have in place. Our specialists work with you to bring essential cover together in a coordinated way, helping identify gaps, avoid unnecessary overlap and keep your protection aligned with the way your business operates.

The challenges businesses face

Understanding what cover you need

Knowing which insurance is legally required, which is commercially important and what level of protection is appropriate can be difficult without specialist advice.

Avoiding gaps and overlaps

Policies arranged separately over time can duplicate protection in some areas while leaving important exposures uncovered elsewhere.

Keeping insurance values up to date

Property values, equipment, stock and other assets can change significantly, leaving sums insured out of step with the true cost of replacement.

Protecting directors and senior leaders

Those responsible for running a business can face personal exposure arising from decisions made in their professional roles.

Keeping pace with your business

New premises, employees, services and contracts can all change your risk profile, meaning insurance arrangements need to evolve alongside you.

Key areas of protection

We bring together the essential cover your business needs, with cover shaped around your people, premises, activities and responsibilities.

Speak to an adviser

Commercial Property

Protection for buildings, contents, stock and equipment against insured risks such as fire, flood, theft and other damage.

Business Interruption

Help protect your income and meet additional costs if an insured event prevents your business from operating normally.

Employers’ Liability

Protection against claims from employees who suffer injury or illness as a result of their work. Employers’ Liability is a legal requirement for most UK businesses with employees.

Public & Products Liability

Protection against claims arising from injury or property damage caused by your business activities or products.

Professional Indemnity

Cover for claims arising from professional advice, services, errors or omissions that result in financial loss for a client.

Directors’ & Officers’ Liability

Protection for directors and senior managers against certain claims arising from decisions and actions taken while managing the business.

Cyber

Protection against the financial and reputational fallout of cyber attacks, data breaches and system failures, including costs to investigate, recover and notify those affected.

Financial Crime

Cover for losses arising from theft, fraud or dishonesty by employees or third parties, including cyber-enabled fraud, social engineering and funds transfer scams.

Marine Cargo & Goods in Transit

Protection for goods and stock while in transit by road, sea or air, covering loss or damage from accidents, theft or handling incidents throughout the supply chain.

Engineering Covers

Protection for plant, machinery and equipment against breakdown, damage or malfunction, including cover during installation, inspection and ongoing operation.

Commercial Property

Protection for buildings, contents, stock and equipment against insured risks such as fire, flood, theft and other damage.
Business Interruption

Help protect your income and meet additional costs if an insured event prevents your business from operating normally.
Employers’ Liability

Protection against claims from employees who suffer injury or illness as a result of their work. Employers’ Liability is a legal requirement for most UK businesses with employees.
Public & Products Liability

Protection against claims arising from injury or property damage caused by your business activities or products.
Professional Indemnity

Cover for claims arising from professional advice, services, errors or omissions that result in financial loss for a client.
Directors’ & Officers’ Liability

Protection for directors and senior managers against certain claims arising from decisions and actions taken while managing the business.
Cyber

Protection against the financial and reputational fallout of cyber attacks, data breaches and system failures, including costs to investigate, recover and notify those affected.
Financial Crime

Cover for losses arising from theft, fraud or dishonesty by employees or third parties, including cyber-enabled fraud, social engineering and funds transfer scams.
Marine Cargo & Goods in Transit

Protection for goods and stock while in transit by road, sea or air, covering loss or damage from accidents, theft or handling incidents throughout the supply chain.
Engineering Covers

Protection for plant, machinery and equipment against breakdown, damage or malfunction, including cover during installation, inspection and ongoing operation.

How we support you

We start by reviewing how your business operates and the insurance you already have in place. From there, our specialists identify potential gaps, areas of duplication and opportunities to strengthen your programme.

As your business evolves, we continue to review your arrangements so your insurance remains aligned with your people, assets and activities.

Advice tailored to your business
Access to leading UK and international insurers
Specialist advisors, dedicated contacts and a team to support all areas of your business
Ongoing review of your insurance programme, not just when your business changes
Claims support from people who understand your business
Risk management support

Get in touch