← Business Insurance
Business Insurance types explained
Each option below is a real product we place with licensed underwriters. Pick the one that matches how you live or trade, and we will price it the same day.
1
Fire & Perils
Premises, stock and equipment against fire, flood and impact.
2
Public Liability
Injury or property damage suffered by customers and the public.
3
Professional Indemnity
Claims of negligent advice or service against your firm.
4
Work Injury (WIBA)
The statutory cover for employees injured at work.
Who it suits
- Shops, salons and hardware stores
- Restaurants and hospitality businesses
- Consultants and professional firms
- Any employer with staff on payroll
What's included
- Buildings, stock, plant and equipment
- Money in transit and in safe
- Employee dishonesty and fidelity
- Business interruption and lost profit
- Goods in transit and marine cargo
What's not covered
- Unexplained stock shortages
- Trading activities not declared on the policy
- Fines and penalties
- Losses from a deliberate act by the business owner