Commercial
Business coverage built around how you actually operate
Contractors, retailers, consultants, and property owners each carry different exposures. We build a commercial programme around your operations, contracts, and the certificates your clients ask for.
What a policy typically covers
- Commercial general liability
- Third-party bodily injury and property damage arising from your operations, premises, or products.
- Commercial property
- Buildings, equipment, stock, and tenant improvements against fire, theft, water, and other insured perils.
- Business interruption
- Lost income and continuing expenses while you recover from an insured loss.
- Tools & equipment
- Tools, portable equipment, and contractors' gear, which often comes bundled in a package policy.
Options worth asking about
- Errors and omissions (professional liability)
- Cyber liability for breaches, ransomware, and privacy claims
- Certificates of insurance for clients and landlords
- Commercial auto and fleet
- Directors and officers liability
- Umbrella and excess liability limits
- Rented and residential rental property programmes
Request a commercial quote
Tell us a little about what you need and a licensed broker will come back with options.
Not sure which coverage you need? Call us and we'll walk through it.