Business Insurance

Business Insurance Policies

Running a successful business requires thorough planning, risk management, and foresight. Unexpected setbacks can disrupt your business, but having the right insurance coverage can help steer it back to safety.

Our customizable Business Insurance policies are designed to meet your specific needs, ensuring your business is protected from potential risks. Request a quote today or ask us about your specific coverage requirements.

Commercial Property Insurance (Physical Coverage)

Protect the physical assets of your business, including buildings, leasehold improvements, contents, and more, from fire, hurricane, or other covered perils. Coverage is based on the full replacement value of your property.

Business Interruption/Additional Expenditure

Business Interruption: Protect your business from revenue loss during operational shutdowns caused by covered events. This coverage provides the financial resources needed to recover.

Additional Expenditure: Covers costs related to disruptions, such as alternative accommodation, legal fees, and maintaining salary payments to key staff.

Commercial Theft

Get reimbursed for losses due to theft or attempted theft within your premises. Coverage can be extended to include damage to equipment, fixtures, or fittings caused by the burglary.

Computer Insurance

Secure your business’s computer systems, servers, and software from accidental loss, destruction, or damage. Ensure continuity and protection in the digital age.

Money Insurance

Protect your business against loss of money in transit, during business hours, or outside business hours when stored in a safe. Coverage also extends to money in the bank's night safe.

Public Liability & Employers Liability

Public & Products Liability: Safeguard your business from claims of accidental injury or property damage on your premises. This policy also covers legal costs and settlement fees. Can be extended to cover product-related liabilities for restaurants or manufacturers.

Employer’s Liability: Protects your business if employees sustain injury or death during their employment.

Fidelity Guarantee

Protect your business from theft committed by employees. This policy covers the direct loss of money or goods caused by dishonest acts from employees.

Plate Glass Insurance

Cover accidental breakage of plate glass, including shop fronts and store windows. Shield your business from costly replacements.

Commercial Auto & Fleet Insurance

Whether you have a single company vehicle or a fleet, our Commercial Auto Insurance provides the necessary protection for your company’s cars, trucks, vans, and other road vehicles. Coverage options include both comprehensive and third-party protection, ensuring your business remains operational even after a vehicle-related incident.

Group Personal Accident

Offer personal compensation to your employees in the event of accidents. Coverage includes fatality, disability, and income protection during times when the employee is unable to work.

Business Travel Insurance

Ensure that your employees are protected when traveling for business. Coverage includes lost baggage, illness, accidents, and even fatality, giving your employees peace of mind while working abroad.

Professional Indemnity Insurance

Protect your business’s reputation from claims of negligence, errors, or omission during service provision. Coverage extends to professional advice, defamation, breach of confidence, and other liabilities, ensuring that your business remains secure from legal risks.

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This information provides a general overview of the types of coverage available. For more specific details and policy terms, please consult with one of our authorized insurance representatives and review your insurance contract.