Competitive Business Insurance

Get competitive business insurance from the commercial insurance specialists at Coversure.  We can offer cover for all types of businesses, from shops and pubs to builders and contractors, including public liability insurance to fleet insurance, all on one policy.

For independent advice and a great value business insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper commercial insurance.

Business Insurance Backed By ‘Exceptional’ Service

Want to save money on your business insurance?  Let Coversure, one of the UK’s leading business insurance brokers, compare our markets to find you the commercial insurance quote that’s right for you.  We can offer cover for all types of businesses from shops and pubs to builders and contractors, including everything from commercial insurance to fleet insurance, all on one policy.

For independent advice and a great value public liability insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper commercial insurance.

Call us today on 0800 977 6037 and let our award-winning team help you.

Call us today on 0800 977 6037 and let our award-winning team help you.

Why choose Coversure for your Business Insurance?

Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of commercial insurance experience, you can rest assured you’re in safe hands.  Being independent, we can put your needs first.  We’ll get to know your requirements before comparing the market to find you great business cover for a great value premium.  To find out more, call us on 01482 434343, request a callback or get a business insurance quote today.

Business Insurance backed by ‘Exceptional’ service

Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of commercial insurance experience, you can rest assured you’re in safe hands.  Being independent, we can put your needs first.  We’ll get to know your requirements before comparing the market to find you great business cover for a great value premium.  To find out more, call us on 01482 434343, request a callback or get a business insurance quote today.

What is Business Insurance?

Business insurance, or commercial insurance as it’s also known, is a flexible policy that provides businesses and other complex organisations such as charities with a range of essential protections on one policy.  It can be tailored to your needs and can cover everything from your premises and stock to your employers’ liability and business vehicles.  Commercial insurance from us can protect you financially from common risks such as:

  • Injury or property damage caused by your business to members of the public
  • Damage or theft of your business’s property or equipment
  • Sickness or injury to your employees that results from your business’s activities
  • Temporary closure following an incident such as a fire or flood

If you’d like to know more or would like a free, no-obligation business insurance quote, then please call us on 01482 434343 or request a callback.

Who needs Business Insurance?

Business insurance isn’t just for businesses.  Any organisation that has employees, property or dealings with the public can benefit from the protection that business insurance can bring.  Its flexibility means it can be tailored to almost any organisation, large or small, including:

Builders

Shops

Manufacturers

Beauty and hair salons

Agencies

Consultants

Solicitors, lawyers, accountants and other professional services

Distributors

Wholesalers

Charities

Office-based businesses

Pubs, bars, restaurants and cafes

Tradespeople

Motor traders

Call us today on 0800 977 6037 and let our award-winning team help you.

What can Business Insurance cover?

 

Business insurance can be tailored to your needs and those of your organisation.  Common policy elements include:

Public liability insurance

Public liability insurance covers you in the event that a member of the public injures themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection with your business’s activities, for example, if they slip on the floor and decide to sue you, you’ll be covered

Product liability insurance

If the products you use, recommend or sell cause problems, you can be held liable.  Products are central to many businesses, and if something goes wrong, you can be sued for claims and compensation.  Should this happen to you, product liability insurance will cover the costs of any compensation you are made to pay, together with the legal fees

directors’ and officers’ insurance

Directors’ and officers’ insurance (D&O insurance) is a good option as the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them.  Directors’ and officers’ insurance – or D&O insurance as it’s also known – protects your senior members from the costs of legal action

commercial buildings insurance

If you own the building in which your organisation operates then you need commercial buildings insurance to protect it.  Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by things such as floods, fires, vandalism, or an explosion

Employers’ Liability insurance

EL insurance is a legal requirement if you have employees.  It provides cover in the event of an employee injuring themselves or if their property is damaged while at work.  The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) in place to protect your employees in case they are injured or become ill because of working for you.  Your policy must:

Cover you for at least £5 million – some companies take £10 million or more and be with an authorised insurer.  Employers must also provide a safe working environment

Cyber insurance

Cyber-attacks are dangerous, costly, and on the rise.  Half of UK businesses and around a third of charities have reported having experienced some form of cyber security breach or attack in the last 12 months.  This is even higher for medium-sized businesses, 70% of which have been attacked, large businesses, 74% of which have been targeted, and high-income charities, 66% of which have been victims, (Source: to The Department for Business, Innovation and Skills 2024 report).

Given these worrying statistics, it’s no wonder that cyber insurance is considered as being an essential business insurance, especially as cyber insurance covers you against the costs of ransomware attacks, data loss, reputational damage, malware, and the cost of infecting another organisation’s systems

business interruption insurance

If something catastrophic happened – such as a fire or flood – and your business was forced to close for a while, could you cope?  With no money coming in and bills needing to be paid, would you be able to keep going?  Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Professional indemnity insurance

If you advise customers or provide a service and are required to advise on best practices, you should consider having professional indemnity insurance.  Professional indemnity insurance – P.I. insurance – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice

personal accident insurance

Protects your organisation should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

stock insurance

Whether you’re running a shop, pub or restaurant, a distributor, or a manufacturing plant you’ll want stock insurance to protect your goods – particularly if you stock expensive items like technology, art, or alcohol.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen.  Stock insurance also protects your supplies in the event of flood, fire, or theft—a crucial policy element given how costly stock can be to replace

How much does Business Insurance cost?

At Coversure, we don’t believe in one-size-fits-all solutions for our clients.  Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements.  What we can say is that your commercial insurance quote will depend on things like:

The size of your business/its turnover

The type of work it does – a scaffolder working mainly on buildings in town centres is likely to pay more than a gardener, for example

If you have any employees

Your postcode

Your claims history

The value of any stock, machinery and/or tools

Whether you have any business vehicles and would like to include fleet insurance

If you need commercial property insurance

How long you have been trading for

Whether you want to pay monthly or annually – annually will usually prove cheaper

The level of excess you’re willing to pay

The policy limits you require, e.g. whether you want £1m, £2m, £5m or £10m of public liability insurance

How to get cheaper Business Insurance?

There are several easy ways to potentially get cheaper business insurance quotes, including:

Using an independent commercial insurance broker.  An independent broker like Coversure not only has expert knowledge of business insurance but we also has multiple insurer contacts so we can compare the market for you and get you a great deal

By renewing your policy early to give your broker time to shop around for you

Setting a higher level of excess

Securing your business premises – installing security systems like CCTV cameras can deter theft and potentially lower your insurance costs

Investing in health and safety training to help reduce the chances of accidents and liability claims.  By proactively managing risks through safety protocols and training, you can demonstrate to insurers that your business is low-risk, potentially lowering premiums

Evaluating employee classifications – reviewing how your employees are categorized for insurance purposes, as this can impact your premiums

Conducting a risk assessment with your broker

Documenting your safety procedures, regularly review your risk profile, and take steps to mitigate potential hazards

How much does Business Insurance cost?

At Coversure, we don’t believe in one-size-fits-all solutions for our clients.  Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements.  What we can say is that your commercial insurance quote will depend on things like:

The size of your business

The type of work it does

If you have any employees

Your claims history

How long your business has been trading for

If you have any business vehicles and need fleet insurance

If you have any commercial property to cover

Whether you want to pay monthly or annually – annually will usually prove cheaper

The value of any stock, machinery, and/or tools

The policy excess level

Your business’s postcode

Committed to finding you the protection you need

If you’d like some independent advice or an insurance quote, please call us on 01482 434343.

Committed to finding you the protection you need

If you’d like independent advice or an insurance quote, please call us on 01482 434343.

Insurance specialists for business, property and motor

Local service – online, by phone, or in person

Help and advice to ensure you’re protected

Frequently Asked Questions

Business insurance is a complex area of insurance, and it’s important to get it right.  To help you get the cover that’s right for you, here are our business insurance frequently asked questions and answers.  We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 01482 434343  or request a callback.  Our team of commercial insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.

That will depend on things such as what your organisation does, its size and if it has any employees, property or stock

Yes, you’d be wise to as it can protect you financially from things like cyber attacks, as well as insuring stock and office equipment

Yes, you can cover everything from cars to HGVs and mobile plant that the business owns

No, though if you have any employees, you will need employers’ liability insurance, which is a legal requirement

Any organisation that has employees, property or dealings with the public can take advantage of the protection business insurance can bring.  It’s not just for businesses; charities and other not-for-profit organisations can benefit too

That will depend on things like whether you have any employees, vehicles, or commercial property, vehicles, and the value of your equipment and stock.  If you’d like to get some independent advice, then please call us on 01482 434343, request a callback or get a business insurance quote here

No, though if you have employees, you will need employers’ liability insurance

That will depend on things such as what your organisation does, its size and if it has any employees, property or stock

Yes, you can insure business vehicles as part of a fleet insurance element

Yes, if you sell online and have stock, employees, or a warehouse, then business insurance would make sense.  It would also be a good idea to consider cyber insurance, as online traders are a target for cyber-criminals

Yes, you can take out business insurance before starting trading, even if your business isn’t VAT-registered or a limited company

Yes, it can cover food delivery companies, be they food wholesalers or fast food restaurants that deliver to their customers

It depends on what you do and where you do it.  If you’re a tradesperson working with the public, you would want public liability cover at the very least.  If you employ people, you’ll need employers’ liability insurance.  If you give advice, then you’d be wise to have professional indemnity Insurance too.  In short, if you are self-employed, you’re probably best off having business insurance in place

Yes, it can insure these items against loss or theft, and can also protect expensive items such as machinery or office equipment from damage, loss, or theft

Yes, while it’s called business insurance, it’s suitable for any organisation with multiple insurance needs, be that a charity, not-for-profit or community organisation, such as a village hall or a community pub

Getting a commercial insurance quote from us is easy.  You can call us on 01482 434343, request a callback or get your commercial insurance quote here.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like