Business and Office Insurance

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Business Insurance protects businesses from losses due to unforeseen events and circumstances that may occur during the normal course of business operations. Our commercial business insurance packages are tailored for Small-to-Medium Enterprise.

As with all our Business Office Insurance packages we offer security, flexibility and peace of mind that every business will have their specific and individual requirements met. Our Business Insurance provides levels of cover that can be adapted to suit your personal needs, allowing you to pay only for the covers that your business requires you to adopt. As part of our unique risk management offering, all businesses will receive a tailored package.

Covers available

There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates. Covers available include:

Fire and Defined Events / Accidental Damage

This can cover your Building, Contents and Stock against damage caused by a number of defined events listed in the policy wording (PDS) which usually includes Fire, Impact Damage and Storm Damage & flood, just to name a few.

Business Interruption

When a defined event occurs such as a Fire or Storm, and your business is unable to operate causing immediate financial distress, this can cover your loss of profits, additional unexpected expenses, relocation costs and ultimately provide ongoing financial assistance whilst in the rebuilding progress.

Theft

Covers Stock and Contents (excluding money) for theft from forcible & violent entry into your business premises.

Glass

Covers accidental breakage of glass. This may include a shop window or glass display case, refrigeration cabinet or specialised signage.

Money

Covers your money for theft at the premises, in transit or at your private residence.

When you are in business you deal with a variety of potential risks each day. Risk is not something you can avoid, but it is something you can mitigate. Risk management will increase the probability of success and reduce the probability of failure of your business.