Business insurance
Insurance that follows the contract.
Commercial cover is shaped by three documents: your accounts, your contracts and your policy schedule. When those three disagree, the disagreement surfaces at claim.
Request adviceBy exposure
Start from what could interrupt the business
- 01
- The premises stop working
- Damage to buildings, plant or stock, and the trading period that follows while they are reinstated.
- 02
- Someone is injured or something is damaged
- Claims from employees, the public or users of your products, and the limits your contracts require you to hold.
- 03
- The advice or work turns out to be wrong
- Claims arising from professional services, written on a claims-made basis where continuity matters.
- 04
- The systems go down or data is exposed
- Incident response, digital interruption and third-party liability, increasingly subject to control conditions.
Business classes in full
- 06Commercial property & interruptionMaterial damage cover for premises, plant and stock, read together with the business interruption section that follows a loss.
- 07LiabilityEmployers', public and products liability, structured around what the business actually does and who it does it for.
- 08Professional indemnityCover for claims arising from professional advice, design or service, written on a claims-made basis.
- 09Cyber & dataCover arranged around incident response, business interruption from a digital event, and third-party liability for data.
- 10Commercial motor & fleetVehicle cover for businesses, from a single van to a rated fleet with its own claims and driver-management position.
- 11Management liabilityDirectors' and officers' liability, corporate legal liability and employment practices cover for the people running the business.
- 12Construction & contract worksContract works, plant and associated liability for projects, arranged around the contract rather than the calendar year.
Sectors
We do not claim specialist expertise in every industry. Where a trade has features that change the placement, such as hot work, work at height, food handling, regulated advice, goods in transit or long-tail liability, we will say so at the outset, and where a risk needs a specialist we will tell you that too.
If your contracts, funder or landlord impose insurance requirements, send the clauses with your enquiry. They usually determine the limits before anything else does.
Nothing on this page confirms that cover can be arranged for a particular business, activity or contract. Availability, terms and pricing are determined by insurers on the basis of the information presented to them.