Business Premises Insurance

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.

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.

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.

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.

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.

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.

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.

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