What’s Covered?

Our Business Package Insurance is like a custom toolkit, designed to protect against the losses and claims that can crop up in your daily grind. It’s flexible, comprehensive, and built to cover every corner of your trade. Here’s what you can expect when you bundle with us:

• Public Liability Insurance: Perfect for any business dealing with the public—customers, clients, or passersby. This covers claims if someone gets hurt or their property gets damaged because of your work. Imagine a builder’s ladder toppling onto a parked car, or a caterer’s spilled soup scalding a guest—we’ll handle the compensation, legal fees, or repairs, so your business doesn’t take the fall.

• Employers’ Liability Insurance: A legal must if you’ve got staff (unless you’re exempt), this protects you if an employee gets injured or sick from their job. Picture a cleaner slipping on a wet floor they just mopped, or a security guard twisting an ankle on patrol—this covers their compensation, medical costs, and legal expenses, keeping you compliant and your team cared for.

• Professional Indemnity Insurance: If your business offers advice or services, this is your shield against client claims over mistakes. Think of a contractor misjudging a measurement that delays a build, or a consultant’s oversight costing a client cash—professional indemnity covers legal battles and payouts, protecting your reputation and profits.

• Property & Contents Cover: Add protection for your workspace and gear—whether it’s a builder’s tools in a van, a restaurant’s kitchen equipment, or a pub’s furniture. If they’re damaged by fire, flood, or theft, we’ll fund repairs or replacements, minimising downtime so you’re back in action fast.

• Tailored Extras: Every trade’s different, so we’ll tweak your package to fit. Roofers might need height-related cover, takeaways could add delivery risks, and public houses might bundle in glass insurance for smashed windows. From stock to portable equipment, we’ll customise it to your needs.
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All features subject to eligibility and underwriting criteria—let’s build a package that’s as tough as your trade.

Trades We Cover

We’ve got a knack for insuring all kinds of businesses—here’s just a taste of the trades we protect (and we’re not limited to these!):

• Builders and Building Contractors: From bricklayers to site managers, we cover your projects and people.
• Caterers: Feeding events or private gigs? We’ve got your spills and thrills covered.
• Cleaning Companies: Mops, vacuums, and slippery floors—we’ll keep your crew safe.
• General Contractors: Jack-of-all-trades? We’ll match your versatility with broad cover.
• Public Houses: Pubs and bars, from taps to tables, protected inside and out.
• Security Guards and Companies: Patrolling or guarding sites, we’ve got your back on the front line.
• Restaurants: Fine dining or quick bites, we’ll cover your kitchen and customers.
• Roofers and Roofing Companies: Heights, ladders, and weather—we’ll keep you grounded.
• Takeaways and Restaurants: Late-night orders or dine-in crowds, we’ve got it wrapped up.



Don’t see your trade? No sweat—just give us a shout, and we’ll tailor a solution for you.

Our Other Business Insurance Solutions

Explore our range of policies designed to keep your business running smoothly: