Expert Underwriting Solutions Tailored for SMEs

Our SME package offers comprehensive coverage tailored for small and medium-sized businesses, with the flexibility to insure a sum of up to £5 million on material damage and up to £10m on liability. This policy is designed to protect a variety of commercial properties, including cafes, restaurants, shops, grocers, florists, nail salons and offices. 

By offering coverage for property, public liability, and employers' liability, your clients will benefit from a solution that addresses every aspect of their business operations. Furthermore, based on specific business needs, optional extensions and bespoke coverage options are available, providing both peace of mind and a competitive edge. 

Our Commercial Combined Insurance policy offers comprehensive coverage tailored for small and medium-sized businesses, with the flexibility to insure a sum of up to £5 million on material damage and up to £10m on liability. This policy is designed to protect a variety of commercial and corporate organisations and cover complex risks, such as engineering, construction and manufacturing.. 

With the ability to cover property, public liability and employers' liability, your clients will benefit from a solution that addresses all aspects of their business operations. And, depending on specific business needs, optional extensions and bespoke coverage options are available, offering peace of mind and a competitive edge. 

Our Commercial Property Owners offers up to £5 million total sum assured for properties built after 1700, including Grade II listings and some non-standard constructions. Optional accidental damage and contents cover are also available, along with loss of rent protection up to 20% of the building sum insured. Coverage extends to the UK, Channel Islands, and Isle of Man. Residential portions above commercial units and owner-occupied commercial properties are eligible. Flexible excesses and options for unoccupied properties are also included. 

Our commercial unoccupied property insurance offers flexible coverage with annual and short-term policies. With a total sum insured up to £2M without referral, and up to £5M on referral, the policy will cover properties built after 1700, including Grade II, II, B, and C listings. Customers choose between two levels of coverage, with options including protection against fire, storm, escape of water, theft and more. Additional benefits include coverage for fly-tipping, squatters' eviction and landscaped areas.

Our residential unoccupied property insurance provides comprehensive coverage as well as flexible policy options. Covering properties built after 1700, including Grade II, II, B, and C listings, the policy offers protection up to £2M without referral and up to £5M on referral. With this policy, customers can choose from three levels of cover, ranging from basic fire and smoke damage to more extensive protection against storms, theft and water escape.

Our static caravan insurance offers essential coverage for your clients, including protection against specified risks (such as fires and storms), loss of use with rental expenses up to 20% of the sum insured, and up to £100 for freezer food spoilage. It also covers debris removal, lock replacement and damage to underground utilities and fixed glass. Public liability is included up to £1,000,000, providing thorough protection and peace of mind.

Our Excess of Loss Insurance provides robust protection for businesses across a wide range of industries. And, with attachment levels starting from £2M, the policy provides limits up to £5M in excess of the lead insurer's policy. The coverage is designed for UK-registered policyholders engaged in a variety of activities, including those involving heat, height, depth and even overseas work, with the flexibility to cover hazardous tasks. Premiums start at £250 plus IPT.