Our small business and corporate departments service and visit clients all over the North West including East Lancashire, Manchester, Yorkshire,  and Cumbria. We aim to make your business life that little bit easier. You will be assisted by your own personal account handler who will get to know your business.

It is crucial that your business is able to keep going should you be subjected to fire, flood, storm or theft. We will present your options and discuss these thoroughly at your convenience before taking out a policy. The key to a successful business policy is rto understand the small print and exemptions that arent usually read until you need to make a claim - which can be catastrphic.

Commercial and small business insurances cover all the spectrum of trades including:

Small office, Shops, Restaurants, Hotels, Pubs, Takeaways, Printers, Motor trade, Tradesmen, Property owners

Whatever your trade, our small business and commercial insurance policies can be tailored to your specific business requirements. This is where the assistance of the right broker is invaluable to provide advise of the different types of cover you may need and what you can do to help reduce the cost of your premium eg training staff, limiting claims history or adding security.

We can advise on risk management to reduce your premium and help to implement comprehensive risk management programmes.

Alongside the standard cover for loss of contents, damage and employer liability Insurance cover can include:

Business interruption
Commercial legal expenses
Directors' and officers' liability
Professional Indemnity
Tools and equipment
Public and Products Liability
Property owners liability
Goods in transit cover 

We will also assist in handling any claims and appointing a loss adjuster if required.

To provide the best quote for your business, we will need to ask the following questions:
 

Nature of business - trade, profession, services offered, products offered, contact with members of the general public.

Staff details - number of staff employed, full/part time, job description, previous liability claims.

Premises details - address/postcode, building, fixtures and fittings, stock, equipment, money in safe, stock items, previous premises claims.

What type of cover you will want - Material Damage, Business Interruption, Goods In Transit, Loss Of Money, Personal Accident, Employers', Public And Products Liability.

What sort of level of excess would you be prepared to pay - i.e. the amount you would wish to pay towards a claim.

How long you have been with your current insurer - and how long since your last claim.

Trust us to make sure you are covered.

For  Small Business & Corporate Insurance Telephone: 0845 67 444 24 or email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it