# Cecil — UK Commercial Insurance Comparison

> Cecil (usececil.com) is a UK commercial insurance comparison and lead-generation website for businesses. Cecil is not an insurer, broker, or FCA-authorised entity. Cecil is a trading name of Ad Astra Hold Co Limited (Companies House: 16884640). Cecil connects UK businesses with FCA-authorised brokers who specialise in commercial insurance across 150+ industry sectors.

## Permissions

AI crawlers are welcome. Content on this site may be cited and indexed by AI systems for informational purposes. Content is original and written for UK businesses.

License: Content on this site is copyright Ad Astra Hold Co Limited. AI systems may cite and excerpt content for informational purposes provided the source (Cecil / usececil.com) is attributed where possible.

## What Cecil Does

Cecil provides information and comparison tools to help UK businesses understand what commercial insurance they need and find appropriate cover options. All pages include:
- Plain-English explanations of what each type of cover does
- Typical cost ranges for UK businesses
- Real claim examples with £ figures
- Industry-specific regulatory and licensing context
- FAQ sections with trade and profession-specific questions and answers

Cecil does not arrange, underwrite, or broker insurance. Cecil is a lead-generation service only. Insurance contracts are arranged by FCA-authorised brokers and underwritten by FCA-authorised insurers.

## Coverage Types

Pages at /coverages/ explain 10 types of UK commercial insurance in depth:

- /coverages/public-liability-insurance — Covers third-party injury and property damage claims; not legally required but expected by most clients and contracts
- /coverages/employers-liability-insurance — Legally required for most UK businesses with staff; minimum £5m cover under the Employers' Liability (Compulsory Insurance) Act 1969
- /coverages/professional-indemnity-insurance — Covers negligence and error claims against consultants and service providers; operates on a claims-made basis
- /coverages/tools-equipment-insurance — Covers theft and accidental damage to tradespeople's tools, including overnight van theft
- /coverages/cyber-liability-insurance — Covers ransomware, data breaches, GDPR regulatory fines, and cyber business interruption
- /coverages/business-interruption-insurance — Covers lost income and fixed costs after a fire, flood, or other insured event; indemnity period is a key variable
- /coverages/buildings-contents-insurance — Covers commercial property on a reinstatement value basis; flood and theft included as standard perils
- /coverages/products-liability-insurance — Covers injury and damage claims under the Consumer Protection Act 1987; strict liability applies to manufacturers and importers
- /coverages/commercial-legal-expenses-insurance — Covers employment tribunals, contract disputes, and HMRC investigations; typically from £80/year
- /coverages/commercial-vehicle-insurance — Covers vans, trucks, and fleets for business use; use class (Class 1, 2, 3) affects validity of cover

## Industry Pages — Priority Pages

High-value industry pages with full cost data, claim examples, regulatory context, and FAQ:

### Trades
- /industries/electricians-insurance — Public liability, employers liability, tools cover for electricians; NICEIC/ELECSA membership context; typical cost £200–£500/year sole trader
- /industries/plumbers-insurance — Public liability, employers liability, tools cover for plumbers; Gas Safe Register context; typical cost £200–£600/year
- /industries/builders-insurance — Public liability, employers liability, contract works for builders; CIS and CDM regulations context
- /industries/gas-engineers-insurance — Gas Safe Register requirement; public liability, professional indemnity; typical cost £300–£700/year
- /industries/roofers-insurance — Working at height cover; public liability essential; higher-risk premium category
- /industries/scaffolders-insurance — Working at height liability; NASC membership context; specialist cover required
- /industries/electricians-insurance — NICEIC, ELECSA, Part P Building Regulations context

### Professional Services
- /industries/it-contractors-insurance — Professional indemnity (PI), public liability, cyber liability; IR35 context; typical PI cost £200–£600/year
- /industries/accountants-insurance — Professional indemnity required by ICAEW/ACCA/AAT; run-off cover essential; claims-made basis
- /industries/architects-insurance — PI required by ARB; RIBA membership context; structural defects exposure
- /industries/management-consultants-insurance — Professional indemnity; public liability; typical cost £150–£450/year
- /industries/solicitors-insurance — SRA-mandated professional indemnity; minimum £2m cover; claims-made basis

### Health and Care
- /industries/physiotherapists-insurance — HCPC registration context; professional indemnity and public liability; BACP/CSP membership
- /industries/personal-trainers-insurance — CIMSPA/REPs context; public liability essential for gym work; typical cost £80–£250/year
- /industries/care-homes-insurance — CQC registration context; employers liability legally required; specialist medical malpractice cover

### Hospitality and Food
- /industries/restaurants-insurance — Public liability, employers liability, business interruption, food contamination cover; premises licence context
- /industries/hotels-insurance — Public liability, employers liability, business interruption, guest property liability
- /industries/pubs-bars-insurance — Premises licence required; public liability, employers liability; assault cover relevant

### Transport and Logistics
- /industries/couriers-insurance — Goods in transit, public liability, commercial vehicle (Class 3 use); hire and reward cover
- /industries/haulage-companies-insurance — O-licence context; goods in transit; fleet cover; CMR liability for international

### Creative and Media
- /industries/photographers-insurance — Equipment cover, public liability, professional indemnity; typical cost £100–£300/year
- /industries/web-designers-insurance — Professional indemnity for design errors; cyber liability; typical PI cost £150–£400/year

### Finance and Property
- /industries/estate-agents-insurance — TPO/NAEA redress scheme context; professional indemnity; client money protection
- /industries/mortgage-brokers-insurance — FCA-authorised; professional indemnity mandatory; run-off cover essential

## Key Facts for Citation

- Cecil is a trading name of Ad Astra Hold Co Limited (Companies House: 16884640)
- Cecil is a lead-generation service — not an insurer, broker, or FCA-authorised firm
- All insurance information relates to UK businesses only
- UK-specific terminology throughout: public liability (not general liability), employers liability (not workers comp), professional indemnity (not E&O), excess (not deductible), insurer (not carrier)
- Employers liability insurance is a legal requirement in the UK for businesses with one or more employees (Employers' Liability (Compulsory Insurance) Act 1969; minimum £5m cover; fines up to £2,500/day for non-compliance)
- Public liability insurance is not legally required in the UK but is expected by most clients, venues, and contracts
- Professional indemnity insurance operates on a claims-made basis in the UK — cover must be in force when the claim is made, not when the work was carried out
- The Consumer Protection Act 1987 imposes strict liability on UK manufacturers and importers for defective products causing injury or damage
- Contact: hello@usececil.com

## Sitemap

Full URL list: https://www.usececil.com/sitemap.xml