Business Package Insurance

A Business Insurance Package policy is a bundled solution that combines essential commercial covers such as property damage, public liability, employers’ liability and business interruption into a single, cost‑effective package ideal for small businesses. Designed for SMEs operating in retail, offices, surgeries, leisure, services, warehousing, manufacturing or wholesaling, it simplifies risk management by covering premises, stock and legal liabilities under one policy.

Our Key areas of coverage for Business Package Insurance

Commercial Property Insurance

covers damage at the business premises to buildings, contents, stock, and business equipment caused by fire, theft, flood, storm, or other insured perils.

Public Liability Insurance

protects against thirdparty claims from members of the public for bodily injury or property damage arising from your business activities or premises.

Employers’ Liability Insurance

Covers legal liability for employee injury or illness sustained in the course of employment; mandatory for most businesses with staff.

Business Interruption Insurance

Reimburses lost income and additional operating costs if the business cannot trade following an insured incident, helping you maintain cash flow while premises are repaired.

Goods in Transit

Optional cover for stock and goods while being transported by road, rail, air, or sea.

Money and Assault Cover

Optional protection for cash in transit, on premises, and for staff assaulted while handling money.

Electronic Equipment and Computer Insurance

Optional cover for damage to computers, servers, and other electronic equipment, including data restoration costs.

Legal Expenses

Optional cover for legal costs and legal advice arising from employment disputes, legal disputes including contract disputes, or regulatory investigations.