Your sector.
Your policy.
From a single retail unit to a multi-site restaurant group, we structure cover around your actual operation — not a generic template.
Retail Shops
Clothing, electronics, food, hardware and specialist retail. Cover for stock, buildings, public liability and business interruption. We handle lease requirements for landlord-mandated covers.
Restaurants & Cafés
From independent bistros to multi-site chains. Food liability, stock spoilage, business interruption and employer's liability. We work with specialist hospitality markets for competitive terms on licensed trade risks.
Pubs & Bars
Licensed premises cover including buildings, contents, glass, business interruption and public liability. We work with specialist hospitality markets for competitive terms on licensed trade risks.
Hotels & Guest Houses
Buildings, contents, guest property liability, business interruption and employer's liability for accommodation businesses. Including bed and breakfast and serviced apartment cover.
Hair & Beauty
Treatment liability, professional indemnity and public liability for salons, spas and beauty clinics. Including cover for high-risk treatments and mobile/home-visit practitioners.
Leisure & Entertainment
Gyms, sports clubs, event venues and entertainment businesses. Tailored cover for participant liability, event cancellation and seasonal business interruption.
and thousands of other trades also covered:
What a well-structured policy includes
Most businesses are underinsured because their policy was never properly reviewed. We build policies from the ground up — ensuring nothing critical is missing.
- Buildings & Contents — Physical assets, stock, equipment and the property your business operates from.
- Public & Employers Liability — Your legal obligations to employees, customers and risk parties.
- Business Interruption — Revenue protection if you're unable to trade following an insured event.
- Professional Indemnity — For any business that gives advice or provides professional services.
- Cyber & Data Liability — Increasingly essential — covers data breaches, ransomware and regulatory fines.
- Legal Expenses — Covers the cost of commercial disputes, tax investigations and employment tribunals.
What most businesses get wrong
These are the gaps we find most often when reviewing existing policies — and why a review from a specialist broker matters.
- Underinsured buildings & stock — Rebuild costs and stock values often haven't been updated in years. At claim time, this means a reduced payout.
- No cyber cover — Most older commercial policies have no cyber protection. One ransomware attack without cover can close a business.
- Business interruption too low — Cover is often set to a figure that doesn't reflect actual gross profit.
- Personal accident not in place — If a key person is injured and can't work, there's often no income protection policy to fall back on.
- Auto-renewal without review — Renewing without a broker review means cover drifts out of step with the business.
Hundreds of industries. One specialist broker.
We understand that a dental practice has different risks to a haulage firm. That's why we tailor every policy around your sector — not a standard template.
Your sector. Your cover.
Tell us about your business and we'll find the right policy.
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