SME Business Insurance

Insurance to protect your business whatever your industry

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Every insurance policy should be as unique as the business it protects

  • Highly experienced team

    Our experienced team of individuals will look after of all your businesses insurance needs, providing a consistent point of contact for all of your policies

  • Tailored insurance

    You can be assured that your insurance will safeguard what matters most. We take the time to get to know you and your business and tailor your cover according to your company’s individual risk profile

  • In-house claims team

    No one wants to make a claim but if you do, our in-house claims team will guide you through the process to ensure that you get back in the position you were in before the loss, as smoothly and quickly as possible

What’s covered for Small Businesses

    • Public liability insurance

      Public liability cover protects you if a member of the public is injured or their property is damaged because of your business.

    • Employers’ liability insurance

      Protects you if an employee suffers an injury or illness connected to their work.

    • Product liability insurance

      Covers you if a product you supply causes injury or damage. You can learn more on how combined liability insurance can protect you and your business. 

    • Property insurance

      Property insurance protects your building, contents, stock and equipment against damage or loss.

    • Business interruption insurance

      Business interruption cover helps replace income if you cannot trade due to an insured event.

    • Small business van insurance

      Cover for vans used for deliveries, tools, stock or day to day operations.

    • Cyber insurance for SMEs

      Cyber insurance cover helps protect your business if your systems are hacked, data is stolen or you suffer a cyber interruption.

    • Professional indemnity insurance

      PI insurance protects you if a client claims your advice or service caused financial loss.

    • Goods in transit

      Goods in transit insurance covers goods damaged or lost while being transported.

Why use a broker?

You may question the need for robust policies and believe that any ‘off-the-shelf’ insurance solution will do, but, in the long run, it pays to take the time to use a broker who will source the most appropriate small business insurance policy for you.

By ensuring that all your policies fit your individual requirements, you can operate safe in the knowledge that your business has the right cover in place for all of your exposures. And, you can be confident knowing that if you have to make a claim, it’ll likely be successful.

SME insurance vs large business insurance

Our business insurance solutions are designed for all types of organisations. The SME page helps smaller businesses understand their core protection needs, while the Large Business page explains how we support more complex operations.

SME business insurance

SME business insurance is designed for small and growing businesses with relatively straightforward operations. It focuses on essential protection such as liability, property and business interruption, with flexibility to adapt as the business evolves.

Large business insurance

Large business insurance is built for organisations with higher values, multiple locations, specialist risks or complex contractual and governance requirements. Cover is typically bespoke, with tailored limits, multiple insurers and ongoing risk management support.

Bespoke small business insurance

Business insurance is not one-size-fits-all. Whatever your size, we will provide your business with the same level of personalised customer service that we know you provide your clients.

We are here to understand your business and the risks you face running a small business. Taking a flexible and creative approach, working closely with you to provide bespoke SME insurance and risk management to suit your business, whatever your requirements.

Whatever your size or sector, we’re by your side when you need us most. 

Whatever your sector, we have you covered

Can't see your sector?

If your sector isn’t listed, we may still be able to help. Speak to a member of our friendly team today

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What SMEs should prepare before getting a quote

Before getting a business insurance quote, it helps to have a few details ready. A short overview of the work you do, the number of employees you have, your estimated annual turnover and the value of your equipment or stock all make a difference. It is also useful to share your previous claims history and let us know if you use vehicles or work offsite. Having this information upfront allows us to give you clearer guidance and provide more accurate advice, faster.

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Whether you're exploring options or ready to apply our team can guide you every step of the way.

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