Business Insurance Cost

When choosing insurance for your business, there will be two main questions that you may be asking:

To answer these questions, it is important to understand that every business has its very own particular risks that may not be similar to another. Therefore, the premium may differ as it’ s not a once size fits all approach!

How much will my Business Insurance Cost?

In order to get the best premium for your Business Insurance, it is important to show your insurer (or potential insurer) that you have been trading with little to no hick-ups along the way – and by that, we mean you have a clean record with little in the way of claims. This will demonstrate to your insurer that you know what you are doing and that you know how to manage the various risks to the best of your capabilities.

By managing risks, you may have regular Health & Safety meetings with your staff members and communicate any updates on a regular basis. You may have an alarm installed along with CCTV which may put off any would-be thieves or display an empty cash register at the close of business to demonstrate there is no cash left on the premises overnight. There are many ways to reduce the risk – demonstrate these to your insurer together with a clean claims history, they will come to the conclusion you run a well-managed business with little risk to them and therefore reduce the business insurance cost you might otherwise pay.

If you have business insurance renewal, why not call Property Insurance Centre today and let us see if we can improve on your price. We use only the best insurers who give the best cover. Call 0800 085 3761.

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We are specialists in many types of insurance

What will Business Insurance cover me for?

Every business insurance policy is different – it generally depends on what it is you actually are insuring. Your business may be a restaurant for example and with your business policy, you will need cover for stock including frozen foods. Your business may be an office, where stock will not be so much of an issue but you will want to cover your office computer equipment and desks for example. All policies will differ in their make up, however there are several very important aspects of cover that will be relevant to business owners  such as :

Public Liability – This will ensure you are covered for third party property damage or injury to a member of the public whilst on your trading premises.

Employers Liability – This is a very important consideration for all businesses regardless of the trade you find yourself in. Whether you are an Accountant or Off-Sales Shop owner,  there is a legal requirement to have EL Cover if you employ someone. This will give you cover for staff who have been injured or become ill from or because of their work. Not having this cover can even result in very large penalties of up to £2,5000 daily – so it is important to make sure you have this included as part of your business insurance package.. Limits are normally £10,000,000.

Business Interruption – One of the most important covers within a business insurance package policy. This will cover your Loss of Income should you be unable to trade due to the likes of Fire or Flood for example. It can enable you to trade from another premises and pay staff for example.

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Residential Landlord

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Why choose the Property Insurance Centre

Independent advice by approachable staff online or by phone

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

Get In Touch:

We accept most payment types including:

UK Call Handlers & Dedicated New Business Team

Call Us on 0800 085 3761