Business insurance built around what you actually do.

Commercial insurance is not a single product. It is a programme assembled from several policies, and the useful work lies in understanding which exposures your business genuinely carries before deciding what to insure. A business owner's policy covers a great deal for many small firms; for others it leaves the largest risk entirely untouched.

Starting with a business owner's policy

For most small and mid-sized businesses the foundation is a business owner's policy, which bundles commercial property and general liability into one contract, usually at less than the cost of buying them separately. It covers the premises, the contents, and claims brought by third parties.

What a BOP does not include is often more important than what it does. Employees, vehicles, professional advice and data breaches all sit outside it, and each needs its own policy. A programme that stops at the BOP is a common and expensive assumption.

The exposures owners underestimate

Business interruption is the first. Property cover pays to repair the building; it does not replace the income lost while you cannot trade. For a business with a lease, payroll and fixed costs, that lost income is frequently the larger number.

The second is contractual. Leases, client contracts and subcontractor agreements routinely specify insurance limits and additional insured status. Being unable to produce the right certificate can cost work. Send us the contract and we will tell you whether your current programme satisfies it.