When you run busy premises, it might help to have everything in one simple insurance package. And because your business and property are unique, it's good to have the flexibility to choose the extras.

Who we cover

We protect small and medium-sized businesses and their premises. Our customers include a wide variety of business owners up and down the UK. We offer specialist policies for:

  • Shops - find out more
  • Offices
  • People working from home
  • Surgeries

And if you’re not in the list, it’s still worth giving us a call. We can still offer a policy for your business – just ask.

What’s covered by the policy?

  • Your buildings, fixtures and fittings: including gates, fences, car parks, as well as underground cables and pipes.
  • Business interruption: if your business has to close after a fire, flood or forced entry, we’ll make up the shortfall in your income.
  • Cover for stock and cash on premises: available with some commercial property policies. You’ll get a 25% increase in stock cover at peak seasons** as well.
  • Legal expenses and a 24-hour legal helpline: we’ll cover your legal costs if you’re involved in data protection, employment, VAT and other types of disputes (see the policy wording).

What can I add?

You’ll also be able to choose a range of optional extras for your policy at the point of purchase. If you decide to insure your buildings, for instance, you can add cover for subsidence, signs, landscaped gardens and more.

You can also add such extras as: cover for theft by employees (up to £5,000), goods in transit, freezer contents, and more. See the policy wording.

* Following the 2011 riots in the UK’s major cities, we were recognised with a leading industry award for the quality of support we gave to affected businesses (July 2012, British Insurance Awards, Major Losses category).

** From 1st November to 14th January, and 30 days prior to Easter Day.

Lines are open Monday to Friday, from 8am to 8pm, and Saturday, from 9am to 2pm.