Commercial Fire & General

If you run a business, it’s important to make sure that you are covered.

Speak to us about:

Covering your assets

  • Physical damage to your property

  • Your stock

  • Portable electronic equipment

  • Refrigerated goods

  • Demolition and costs

Business Interruption Cover

This can protect the income of your business if your business cannot operate as usual and may include things like:

  • Closed transport routes

  • Suppliers being interrupted and causing you a loss because they cannot supply goods to you

  • Murder, suicide or criminal injury

  • Inability to access your premises

Business Liability Cover

  • General liability cover to cover personal injury or property damage

  • Employers liability cover for a loss to your business due to a personal injury claim by an employee

  • Statutory liability cover  for loss due to a statutory liability claim

Commercial vehicle cover for business use

  • This may include cover for a replacement vehicle

  • Claims preparation costs covers the cost of making a successful claim

  • Completion of journey if there is an accident when your vehicle has been stolen and this may include accommodation and/or travel costs as well as getting the vehicle home after it’s been repaired or recovered

  • Employees’ vehicles for loss or damage to your employees’ vehicles that are being used in connection with your business (their personal car insurance may not cover them)

  • Fatal injury if you or any driver authorised by you dies as a direct result of an accident involving your vehicle – funeral and legal costs are usually included here