Business Premises Insurance

Business premises insurance can combine buildings cover, manufacturing, stock and goods-in-transit protection all under one policy. As well as meeting your needs for public, product and employers' liability,

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About Business Premises Insurance


Tailored business premises insurance

Build your own bespoke insurance policy suited to your organisation type and location


Flexible stock limits for businesses

Adaptable limits for stock to cover seasonal increases for busy times of the year


Worldwide product liability cover

Product liability cover can be extended to cover the goods that you sell worldwide, as well as covering imported goods including those from China

Direct Debit

Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit

Features of Business Premises Insurance

Standard cover

Buildings cover for your commercial premises

We can provide a range of buildings cover to suit any type and size of business premises available to you. This will protect you for escape of water, accidental damage, fire and more (see your policy document for full details). Cover can also be extended to include malicious damage, subsidence and damage cause by theft.

Employers' liability cover

If you employ staff, employers' liability is a legal requirement. We can include this in your business premises policy, therefore covering you for all safety-related incidents and accidents on site, including employees use of tools and equipment (for example forklift trucks) where you are alleged to be at fault.

Public liability cover for your business premises

Each business premises is different, but for many public liability insurance is essential. This provides cover for claims against you from third parties who have been injured or had their property damaged on your business premises due to negligence. We can offer flexible limits to suit your needs, from large businesses, to smaller businesses premises with less interaction with the public.

Contents, stock and goods-in-transit cover

We can insure any items within your business premises which are removable, such as furniture, machinery, plant and computer equipment, as contents on a new-for-old replacement basis. If your premises hold’s stock, we can provide cover on the premises and as well as when the goods are in transit. We also offer flexible limits for stock to cater for busy times of the year.

These are the FAQs


Is there a minimum level of cover I have to purchase?


No. Our business premises insurance can be designed to be as large or as small as you need for your business, to avoid you paying more than you need to for your cover.


Am I covered financially if I cannot use my premises due to an incident?


We offer business interruption cover to recompense loss of profit you incur if you have to close your business premises to deal with the issues caused by an insured  incident, such as a break in, burst pipe, fire, etc. This includes money for setting up temporary premises to continue trading.

Check your policy document for details of which incidents you are covered for.


What happens if I need extra stock for busy times of year?


We can offer three months of 'seasonal' cover, where you can increase your stock by an agreed percentage above your standard insurance limit. This means that during busy times of the year, such as Christmas and Easter, you do not need to amend your policy limits to cater for extra stock. If you want to add this cover, just speak to your adviser.


Can you cover my equipment outside of my business premises?


Yes, by arranging an all risks extension to your package. This will cover items taken away from your business premises e.g. laptops and other equipment when being taken to external meetings.


Can you cover money kept on my business premises?


Yes, we can add this cover to your business premises policy, although there may be terms on how you should store cash so as to minimise risk. Talk to your adviser for details.


I work from home, do I still need a business premises insurance policy?


Yes, you will need home business insurance, including cover for our business equipment, as this is not normally included in standard home insurance. You will also need to cover your public and employers’ liabilities for your activities as these are usually excluded under home insurance policies.


Can I pay in instalments?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim