Insurance for Small Businesses
Insurance for small businesses has been designed to make it easier for you to protect your small to medium sized business by covering all your essential insurance needs into one package.
Insurance for small businesses typically includes loss, theft or damage to;
- Contents including stock, customer’s goods in trust, machinery and plant, fixtures and fittings.
- Business Interruption – also known as “loss of profits”.
- Public and Products Liability
- Employers Liability
- Goods in Transit
- Loss of Money – this is different to “loss of profits” as it relates to monies kept on your premises.
You can also the following optional cover;
- Buildings
- Employee Dishonesty
- Legal Expenses
- Frozen Foods
- Loss of Licenses
- Loss from flooding and subsidence around your business.
What you need to know about Insurance for
small businesses
Full Accidental Damage
We would normally recommend full accidental damage to get the most comprehensive cover for your business.
There are other risks out there
Insurance packages for small businesses aren’t designed to cover risks such as cyber, management liability or professional indemnity so talk to us about your other insurance needs.
Your policy excess
An excess is paid for each claim. Insurers ask for this to prevent policyholders making lots of claims. They can vary under different areas of a policy so check your wording and get advice.
Know what your business is worth
Accurate “sums insured” are crucial to being able to make a successful claim. We can provide guidance on how to get an accurate figure.
Be a grade-A business
Insurers like well-run businesses who can evidence good risk management, health & safety and security measures. You represent a lower risk to them.
You don’t need to do it alone
As your local insurance experts, we’re here to help you get the right insurance for your business. We understand the insurance needs of small businesses like yours.
Why businesses choose us
Community-focused insurance
We care about protecting local businesses in our area. We understand the challenges and opportunities you face.
Get to know us
In an online world, nothing beats expert advice from a real person. You get to speak to the same people whenever you need to get in touch.
Insurance with a heart
We’re part of the Benefact Group who give all available profits to good causes.
Get In Touch
8 Orchard Court, Heron Road, Exeter, EX2 7LL
01392 426046
[email protected]
Mon– Fri, 9:00-17:00
130 Port Tennant Road, St Thomas,
Swansea, SA1 8JQ
01792 641611
[email protected]
Mon, Wed- Fri 9:00–17:00, Tue 10:00–17:00
Gotham Chambers, Hammett Square, Phoenix Lane, Tiverton, EX16 6LR
01884 256412
[email protected]
Mon– Fri, 9:00-17:00
South Devon House, Babbage Road, Totnes, TQ9 5JA
01803 864390
[email protected]
Mon– Fri, 8:00-17:30