Business & Cyber
You built your business with your own hands — it deserves a professional safety net. From the corner shop to an office with employees, we'll match coverage to your real size and risks.
What this world includes
Liability
Responsibility toward customers, employees and third parties — employers' liability, third-party and professional indemnity.
Business Property
Structure, equipment, inventory and loss of income — the physical assets.
Directors & Officers
Personal protection for managers against role-related claims.
Cyber
Attacks, data leaks and system downtime — a real risk for small businesses too.
Who is it for
- Small and medium businesses — shops, workshops, restaurants and offices
- Freelancers — consultants, therapists and service providers
- Businesses with employees — employers' liability matters from the first hire
- Any business that stores customer data or depends on computers
What the coverage usually includes
- Damage to structure, equipment and inventory — fire, burglary and natural damage
- Loss of income following a covered damage
- Employers' and third-party liability
- Professional indemnity — errors and omissions in providing service
- Cyber — system recovery, incident management and customer liability
What to watch out for, and what to check
- Underinsurance — insured sums below real value reduce the payout in a claim
- Loss of income — the indemnity period should match a realistic recovery time
- Protection requirements — alarm, safe or bars; failing them can void the coverage
- Professional indemnity — does the coverage match your exact field
- Cyber — what's required of you (backups, updates) to keep coverage valid
FAQ
Usually yes, at least third-party and professional indemnity: one customer slipping in the shop or one service mistake is enough for a claim that threatens the business. Basic coverage for a small business costs less than people think.
The opposite: small businesses are a common target precisely because they're less protected. If you store customer details, process credit cards or depend on a computer — this risk deserves an answer.
Coverage for your responsibility toward an employee injured at work — beyond what National Insurance pays. Relevant from the first employee, including temporary workers.
Definitely. Businesses change — inventory grows, equipment is added, new services launch. A policy that wasn't updated can leave gaps exactly where the business grew.
Want a safety net for your business?
Tell us about the business in a few words and we'll come back with a tailored offer.