Risksto consider
Every major type of UK commercial insurance, explained in plain English. Find out what your business needs and get in touch.
Get in touchCommercial insurance is not one-size-fits-all. The right cover for your business depends on the risks you face, your legal obligations, and how you operate day to day.
Public liability protects you if a third party makes a claim against your business. Employers liability is a legal requirement for almost every business with staff, with a minimum cover level of £5m. Professional indemnity covers claims that your advice or work caused a client financial loss. Understanding each type of cover — and which ones apply to your sector — is the first step to getting properly protected.
Public Liability Insurance
One claim from a member of the public can cost thousands. Public liability cover protects your business so a single incident does not become a crisis.
Employers Liability Insurance
Employers liability is a legal requirement for almost every UK business with staff. It is not optional. We help you find compliant, affordable cover quickly.
Professional Indemnity Insurance
One mistake in your professional work can cost a client thousands. Professional indemnity cover protects you from the financial impact of claims — and also protects your reputation.
Tools & Equipment Insurance
Theft or damage to your tools can put you out of work. Tools and equipment insurance replaces them fast so you can get back to your jobs without loss of earnings.
Cyber Liability Insurance
A ransomware attack or data breach can shut you down in hours. Cyber liability insurance covers incident response, restoration and the financial impact so you can recover.
Business Interruption Insurance
If a fire or flood forced you to close for three months, could you still pay your rent and wages? Business interruption cover ensures your income does not vanish if disaster strikes.
Commercial Buildings & Contents Insurance
Your premises and the equipment inside represent a major financial investment. Buildings and contents insurance protects that investment against fire, flood, theft and other damage.
Products Liability Insurance
If your product injures someone or damages their property, the Consumer Protection Act can make you strictly liable. Products liability insurance protects you against these claims.
Commercial Legal Expenses Insurance
Employment claims and contract disputes are expensive. Legal expenses cover funds your lawyer so you can afford to protect your rights without draining cash reserves.
Commercial Vehicle Insurance
Your business depends on your vehicles. Commercial vehicle insurance protects them against accident, theft and third-party claims so downtime does not stop you earning.
Get in touch
Tell us about your business and we will be in touch when Cecil launches.