Business Insurance Advice To Protect What You’ve Built
Starting and growing a business is no easy feat. The late nights, the stress, the cash flow headaches; it’s harder than anyone on the outside will ever know. So if you’ve poured that much into it, surely you want it protected. That’s where we come in. Hand it over, and we’ll take care of the rest.
Why You’ll Never Need To Look Elsewhere For Business Insurance
Completely Free Service
Our advice is completely free. Setting everything up for you? Yes, that’s also free! There are absolutely no catches nor hidden fees, just expert support for your business.
Save More Monthly
We work with all of the UK’s biggest insurers, so we’ll always match you up with the one that’s offering the best protection at the lowest monthly cost for your specific situation.
Lifetime Support
We’ll constantly be by your side as your business continues to grow. Whether that means more complex risks or the need for higher limits, we’ll always handle things quickly and efficiently.
Is your business protected if the unexpected happens?
Running a business means taking on risk every day, and a single unforeseen event can have serious financial consequences. Business insurance is there to make sure a bad day doesn’t become a catastrophic one.
Without the right cover in place, your business would have to foot the bill for any claims or losses itself. Legal fees alone can run into tens of thousands of pounds, and that’s before any compensation or repair costs are factored in. For many businesses, that kind of unplanned expense isn’t just painful; it can be the difference between staying afloat and shutting the doors for good.
Don’t leave your livelihood exposed…
*For insurance business we offer products from a choice of insurers.
Don’t leave your business unprotected. We’ve got you covered.
Grow your business with greater confidence
As well as covering your day-to-day operations, the right financial protection can safeguard your most important people, your business continuity, and your future. Here’s a quick overview of the specialist cover we offer:
- Relevant Life – Tax-efficient death-in-service benefit for employees, outside of a group scheme.
- Key Persons Cover – Financial protection if someone critical to your business dies or becomes seriously ill.
- Shareholder/Partnership Protection – Enables remaining owners to buy back a deceased or critically ill partner’s share of the business
- Business Loan Protection – Clears outstanding business loans if a key person dies or suffers a serious illness.
- Executive Income Protection – Regular income replacement for directors and senior staff unable to work due to illness or injury.
Frequently Asked Questions
In the UK, Employers’ Liability Insurance is a legal requirement for almost all businesses with employees, with a minimum cover of £5 million. Certain professions and industries, such as financial advisers, solicitors, and healthcare providers, are also legally required to hold Professional Indemnity Insurance. Other types of cover, while not legally mandated, may be required by contracts, clients, or professional bodies.
Yes, allowable expenses include business insurance, which means you can deduct the cost of any policies when you calculate your taxable profits each year.
Premiums vary widely depending on your industry, the size of your business, your annual turnover, number of employees, claims history, and the level of cover you choose. A sole trader in a low-risk field might pay a few hundred pounds a year, while a larger business in a higher-risk industry could pay considerably more. The best way to find an accurate price is to get in contact today so we can understand your situation and present you with your options.
If you take a policy out with us, you can contact us immediately. Most policies have a notification window, and late reporting can affect your claim. You’ll need to provide documentation such as photographs, receipts, incident reports, or correspondence. Your insurer will assess the claim and, if valid, pay out up to the policy limit minus any excess you agreed to when taking out the policy.
Yes. You should review your cover at least annually and whenever there are significant changes to your business, such as hiring employees, moving premises, expanding your services, or increasing your turnover. Failing to update your policy could mean you’re underinsured, which may result in reduced payouts or a declined claim.
Still have questions?
Reach out to us anytime for assistance.