152-154 Ewell Road, Dairy Courtyard, Surbiton KT6 6HE

Commercial Insurance

Commercial Insurance

Employers Liability

As an Employer, there is a responsibility to protect employees. These include a legal requirement to have employers’ liability insurance. In other words this is here to protect employers against claims. If an employee injures themselves or become sick as a result of working.

Employers’ liability insurance also applies to past employees who have become sick, as a result of something they did in the workplace, providing it was a result of their employer’s negligence.

Image of Staff Working for Employee Liability Insurance
Image of injured bear links to Public Liability Insurance

Public Liability

Public liability insurance can provide protection against legal action if business activities cause somebody to become sick/ injured or if there is damage to someone else’s property. It can cover legal costs and any compensation that is due.

All business’ can take out public liability cover, regardless of type or size. This includes those who are self-employed, freelancers and sole traders.

Motor Fleet

Fleet insurance can provide cover for two or more vehicles owned by the same business. Different makes and models, can usually be added to a policy, although the insurance provider will need to know the details of each vehicle. Certain vehicles such as company motorbikes, or tractors may require a separate policy.

Image representation of Motor Fleet Insurance
Image of house to signify Home Insurance

Property - Commercial Insurance

Property insurance provides cover against the majority of risks to property. These include fire, theft and some weather damage. It is worth considering a policy to cover the contents as well as the property. As a result of covering your property you are protecting your investment.

Professional Indemnity

If you are self-employed or are a small business owner, it may be worth considering a professional indemnity policy. This will provide protection in the event that an action has caused a client to lose business. Although not a legal requirement, this type of insurance can be very useful.

Picture of hand shake for Professional Indemnity Insurance
Image of laptop to advertise Office Insurance

Office

Office insurance can protect a business against unexpected events in or related to the workplace. This may include cover for the loss of or damage to equipment in the event of flood, fire or theft at company premises. Particularly office insurance could also protect against the cost of any legal claims made by employees or the public.

Shop

Shop Insurance may be the commercial insurance you are looking for. This type of insurance can protect you from the risks and claims you might suffer as a shop. For Instance if damage was to occur to your shop. Indeed finding the correct cover for your shop will add an extra layer of protection to your business.

Image of card transaction for Shop Insurance
Image of tradesman for Tradesman Insurance

Tradesman

Tradesman Insurance to cover you whether you are, for example, a painter, electrician or a plumber. Making sure you have the right cover such as public liability insurance, to protect yourself against claims made by the public about your work. For instance if you were a plumber and you fit a pipe wrongly and it flooded a property, you may be liable.

Cafe Insurance

Why not look at Café commercial insurance? This helps against claims for damages and legal costs made against you if a customer is injured or has their property damaged at your café. If you are an employer, you are legally required to have employers’ liability insurance to protect your café against claims if an employee is injured or becomes sick as a result of working in the café.

Picture of a cafe for Cafe Insurance
Image of Hacked Computer for Cyber Insurance

Cyber

Ensure your business is covered against Cyber attacks. In other words cyber insurance provides protection when your business comes under threat from digital attacks. These include data breaches or malicious cyber hacks on work computer systems. In addition this could cause damage to your business.

Cyber liability cover will provide crucial support to enable your business to stay afloat in the event of a cyber attack.

Other - Commercial Insurance

There are many other types of insurance. Some of these may be of use to you so why not check them out. To begin with, education insurance in addition to care home insurance and many more.

While we may not show all insurances on out website. Still get in touch to find out if we can help you with other types of insurance.

Image of a Question Mark for Other Insurance

Surrey Independent Advisers are authorised & regulated by the Financial Conduct Authority. Our FCA Register number is 228148. You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0300 500 0597. | Terms of Business | Privacy Policy