Business insurance
As an independent business insurance broker we can get you quick and competitive quotes. Instant cover is available for all types of business and property owners including commercial, residential and unoccupied buildings.
Call our quoteline on 08456 024 589 for a business insurance quote.
get insurance
This list covers most business categories or types of property owner.
If you cannot find your business category, or you undertake more than one trade, please feel free to call us to discuss in more detail.
getting you the right cover
As an independent business insurance broker, we've been helping companies, sole traders and all types of property owners arrange competitive cover for many years.
Whilst the premium you are quoted is important, you also need to consider the cover, terms, conditions, excesses and warranties. This is where you need the input of a broker so you can discuss you cover requirements in detail.
Our aim is to provide you with a quote that is not only competitive, but provides you with wide cover. You do not have to be a customer of ours to get free advice. We are more than happy to discuss and provide anyone with advice, it only costs you time and a local rate phone call.
Where we do provide a quote, in most cases, we can email a full, detailed commercial insurance or property owners insurance quote within one hour. Once you have the quote, we can then proceed with cover instantly, if required.
getting you a great price
We are an independent business insurance broker. We can obtain quotes for all types of business (including charities), property owners and liability insurance. As long as your business, or property, is domiciled in the UK, we can get you a quote.
For property owners, we can quote everything from buy to let, commercial let, residential and unoccupied properties and all blocks of flats owned through residents or management associations.
As well as getting you a quote for the cover you need, we are able to search the market on your behalf to get the best premium possible. We can access a wide range of underwriters to get you the best value business insurance quotes we can.
Once we have obtained a quote, we can then provide instant cover for you. In normal circumstances we can email the full policy schedule and wording immediately. Monthly instalments, including interest free, are available on most products.
Ask us to give you a business insurance quote.
our business insurance blog
Why use a business insurance broker?
Added on 25 Jan 2012
We have blogged before about the benefits of using a quality broker, whether for financial
Employers Liability Tracing Office - is this legally required?
Added on 23 Jan 2012
If you have any business insurance policy, which includes employers liability, you may find
Business insurance, metal theft and other damage
Added on 21 Jan 2012
Over the past few years, we have all seen reports in the press about the
Shop front glass cover under a business insurance package
Added on 20 Jan 2012
One of the basic principles we all learn about when we start our business
Unoccupied commercial building insurance - quote to cover, how long?
Added on 19 Jan 2012
Unoccupied commercial building insurance is a type of cover that is normally available from
What policies are available
All business insurance is provided based on certain policy wordings. Most of the UK commercial insurance companies have different types of products, depending on your trade. These fall into three main categories.
Firstly, you can get a package policy. This is where insurers have developed policies suited to a particular type of industry. They cover most of the main business groups, such as shops, restaurants, take-aways, cafes, sandwich bars, fish and chip shops, offices, salons, hotels, pubs and surgeries. They have certain basic covers included, such as employers, public and products liability. You then add cover for contents, stock, computers, buildings, legal expenses and other covers to the package. These polices tend to be very competitive.
Secondly, you can build a bespoke policy for most commercial, industrial and warehousing trades, they are called commercial combined insurance policies. There are many sections of cover to choose from. You must have two sections, property damage (contents and/or stock) and public liability insurance. All other sections are added, based on your requirements. This is where it's vital to discuss your needs with an independent broker. Please do not rely on any website that offers to compare business insurance. Unless you have the chance to discuss, face to face or over the phone, what insurance you require.
Lastly, there are many other policies that offer a combination of the two above or additional covers. These include combined liability insurance (public, products and employers liability only), professional indemnity, directors and officers, contractors all risks (for all types of construction trade) and excess of loss (additional liability cover).
Whatever your requirements, we're sure we can quote the right policy for you, please call us to discuss.
Businessinsure Limited are authorised and regulated by the Financial Services Authority – our reference number is 303964. Our registered office is 24 Whitefriars Street Perth, PH1 1PP. Our trading address is: Suite 6, Old Academy Building, 6/7 Rose Terrace, Perth, PH1 5HA. Registered in Scotland no. 225808.