Business Insurance Renewal

Whole of Market

Our Business Advisers will complete a comprehensive appraisal of the market VS your existing renewal terms for a variety of Business Insurance products

Key Points

You will recieve Key Facts documents about any product that is recommended, as well as a details demands & needs document which will outline the advice given by the adviser

Best Deal Available

Our team of advisers will find you the best prices available on the market. In some cases, they are also able to offer bespoke terms through direct contact with Underwriting departments because of the relationships we have

Annual Appraisal

Our advisers will continue to monitor the performance of the recommended cover each year, when your business insurance renewal is due, they will revisit the market to obtain the best terms for clients where appropriate

Compare Business Insurance

As the nature of businesses vary, so does the nature of the insurance they need. Whether you’re a builder who has expensive tools or a removal service that needs to protect the goods it moves, specialist business insurance should be able to provide you with the right kind of cover for your needs.

Get advice with your business insurance renewal from experts in this market.

Business Building and Assets

Could you afford to replace all of your business equipment or stock in the event of it being destroyed, lost or stolen?

If the answer is no you should consider property insurance to protect your business building and assets. Another cover to consider is business interruption insurance which can be arranged at the same time.

Professional Indemnity Insurance

If your client faces a loss because of a mistake you’ve made or because your work is late or not up to scratch, you may be faced with a claim for compensation.

You might feel you have done nothing wrong but still be faced with significant legal costs to defend the claim. As an Adviser PI Insurance is a legal requirement.

Public Liability Cover

Public liability Insurance protects you against claims for compensation from people who have suffered an injury or whose property has been damaged because of your business.

If you come into contact with members of the public you should think about getting a public liability insurance quote.

Consider Combined Business Cover

Think about combining different types of business insurance policies. For example, if you need both employee liability insurance and public liability insurance, a joint policy could prove cheaper and more convenient than arranging each policy separately.

When you compare your business insurance renewal, remember that the right policy isn’t necessarily the cheapest. Our Advisers will guide you through the process and give their recommendations about the suitability of each product.

Protecting your Workforce

Our advisers are able to compare and advise on a range of employee benefits including: Corporate medical Insurance, Life Insurance, Dental Cover, Critical Illness and Income Protection to make sure your workforce are as healthy and switched on as possible.

Try and organise the start date of these policies in line with your business insurance renewal to keep things simple.

Medical Insurance

Recieve fast medical diagnosis, with appointments to suit your diary.

Get access to the best consultants and recover in the highest quality of facilities available.

Income Protection

You could offer the ultimate reassurance to your staff that in the event they are unable to work.

They will recieve additional Income Protection to support themselves.

Critical Illness Cover

What would you do if the unthinkable happens & you are diagnosed with a life changing condition?

you can be safe in the knowledge that your life expenses can be taken care of, so that you can focus on a recovery.

Life Insurance

When a person dies unexpectedly, the loss of life often has repercussions beyond just immediate family.

This is especially true if the individual was a business owner or a key member of a business.

How Are Business Insurance renewal premiums calculated?

Business Premiums are calculated based on a number of varying factors which can change year on year. The level of exposure to certain risks will effect how much an Insurer will look to charge you. Variables include:

  • What type of business you are
  • The size of turnover
  • The number of employees
  • What kind of claims you’ve been subject to in the past
  • Your health and safety record
  • Your level of exposure to customers/clients

All these questions can determine the level of risk your business presents to an insurer.


If your business has been subject to claims in the past, then its risk may be determined to be higher and an insurer may increase the premium, making cover more expensive.

Similarly, if your health and safety record is less than squeaky clean, you could find your insurance cost increased.

The most important thing to remember is to be as accurate and honest as possible with your adviser, otherwise an Insurer may change terms of cover or invalidate the policy all together.

Why do i need Business Insurance?

Regardless of what your company does, every business in the United Kingdom that employs one member of staff or more is required by law to have an active Employers’ Liability Insurance policy in place according to the Employers’ Liability Insurance Act 1969.

This insurance covers the business in the event that an employee who is injured at work or who become ill as a result of their work for the company makes a claim from compensation.

If you are an adviser, in a market such as insurance or finance you will also legally be required to have Professional Indemnity Insurance.

Businesses also need to take out Public liability Insurance if they deal with customers face-to-face.

Apart from legal requirements such as the above, it’s very important for the future of any business to have protection from certain liabilities such as loss, theft, accidents and mistakes.

One major claim could cost a business it’s livelyhood.

Speak to one of our advisers today to find out exactly what you are liable for & how to best protect yourself and your workforce.

Speak to one of our advisers today

Get in touch with one of our Business Specialists immediately or schedule an appointment to suite you

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