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Our cover

Build the perfect policy with cover that’s specific to your business

We know that every business is different. Every industry has its own demand and challenges and we understand that the one size fits all approach doesn’t work. You know what the risks to your business are and what’s important, which is why we give each of our policyholders the opportunity to build their own cover. We’ll take you through the quote step by step where you can simply add the cover you need. Insurance doesn’t need to be complicated!

Public Liability insurance

If you run your own business you’ll know that things can go wrong from time to time. Having public liability insurance can protect you and your business from the serious threat of injuries to customers or members of the public. Whether you work from home or have your own business premises, our public liability insurance gives you 24 hour protection and peace of mind. Find out more.

Employers' Liability insurance

If your business employs people, you are legally required to have employers liability insurance in place to cover any costs and legal expenses in case of any injuries caused. Regardless of the type of business you run, you’ll need to ensure that the right cover is in place for legal reasons and for the protection of your employees. Find out more.

Tools insurance

If you work with tools, the chances are that you’d struggle to do your job properly without them. Often a target for thieves, tools are expensive and tricky to replace and quite often restricted or excluded from your motor and home insurance. If the worst happened, you could find yourself unable to work or to meet contracts that you’d had lined up.

Goods in Transit insurance

Especially important If your business involves transporting products to and from customers or suppliers, Goods in Transit insurance covers your business related goods whilst they are being moved and whilst being loaded or unloaded. Adding Goods in Transit cover as part of your business insurance, gives you that extra peace of mind when your goods leave your premises.

Contract works

If you’ve worked hard to win a contract the last thing you want is for something to go wrong midway though and to be out of pocket as a result. Contract works insurance can provide protection and peace of mind against this eventuality, causing less worry and allowing you more time to concentrate on winning new business.

Own plant and hired-in plant insurance

Plant and machinery can be hugely expensive and whether you have your own plant and machinery or hire it in, you’d be wise to consider insurance to cover it. With the right cover in place, your plant, equipment, site huts and caravans will be covered when on site, in transit or at your premises.

Accidental death insurance

It's an uncomfortable thought but it might be of some reassurance to know that financial help is at hand if an unfortunate accident at works leads to the loss of life. We include Accidental death insurance cover free of charge with every small business policy.

Fixed woodworking machinery insurance

If you work in a profession or trade where you operate fixed woodworking machinery, you can extend your Employers' Liability insurance to cover the use of this machinery. This provides you with an extra level of cover and added peace of mind whilst using it.

Please note that the above is a brief summary of cover and should be read together with the full policy terms, conditions and exclusions. To review, download or print the full details of our cover and Terms of Business, visit our Important Documents page.

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