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Business Insurance

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.

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Same-day cover available Standard & bespoke terms Claims advocacy
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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:

Commercial Combined Public Liability Employers Liability Professional Indemnity Cyber Insurance Management Liability Office & Surgery Insurance Business Interruption Stock & Contents
Standard Cover

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.
Common Gaps

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.
Who We Cover

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.

Dental & Medical Professional Services Retail & Hospitality Transport & Logistics Technology & IT Petrol & Forecourt Manufacturing Construction & Trades

Your sector. Your cover.

Tell us about your business and we'll find the right policy.

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