Looking for affordable business insurance that doesn’t compromise on the quality of cover? Then you’ve come to the right place. Coversure is one of the UK’s leading providers of protection for companies large and small. Since our founding in 1986, we’ve helped thousands of customers get the insurance they need for a great value premium with service that is second-to-none.
No two firms are the same and no two firms’ insurance needs are the same. That’s why at Coversure we offer protection that’s tailored to your organisation’s needs. Our dedicated insurance specialists will take the time to understand your requirements before creating a bespoke package of protections. With our affordable, flexible range of policies from leading UK insurers, whether you have an art gallery or a zoo, Coversure’s A-Z book of business insurance can protect you.
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As well as being able to protect your enterprise from an array of risks, business insurance comes with the following additional of benefits:
It would be quicker to write a list of which types of business that can’t be covered! Business insurance can protect a huge range of firms - large or small, high tech and traditional, online and offline:
The list goes on and on…
Coversure’s known for the value, flexibility and breadth of its products. This means policies through us can offer protection against risks as diverse as public liability, cyber-attack, stock losses and professional indemnity cases. Businesses of all shapes and sizes need protecting and with our tailored approach you can be sure that you’ll only pay for what you need, rather than wasting money on cover you don’t. A typical policy can include risks such as:
Public liability – if you’re a public facing entity, whether that’s as a shop or somebody that provides advice or services to members of the public, you’ll need public liability cover. If your business, its premises or actions lead to members of the public becoming ill, injured or their property damaged, then you could be held laible. In this case, public liability will be there to protect you against the financial implications that could follow successful legal action
Employers’ liability – do you have any employees? Even if they’re part-time, contracted or temporary, you’ll be required by law to have employers’ liability cover. So, if any of your employees become ill or their property is damaged owing to their working conditions or your actions, employers’ liability cover will assist with the legal costs of the claims brought against you. As you’re required to have this policy by law, including it in combined policy makes sense as you can potentially get a lower premium by doing so
Products liability – if you produce, sell or even recommend products as part of your line of work, products liability is worth including in your cover. This will protect you against legal costs if you are sued if these products cause injury or damage to property. Bear in mind, this can affect you even if you’re a distributor or retailer, not just the manufacturer of the product
Buildings cover – do you own the building you operate in? If so, you’ll want business buildings cover to ensure your premises are protected from the worst-case scenarios such as flood, fire or other disaster. This cover protects you for the cost of repairing or rebuilding your premises and if you own the building then this is an essential protection to have in place. If you rent it, then ensure that your landlord has this to allow you to have a smooth transition if the worst does come to worst
Professional indemnity – if you give advice to your customers then you should consider having professional indemnity cover in place. Professional indemnity – P.I. as it’s also known – will shield you financially should you be sued for losses by a customer for giving them poor advice
Stock cover – if you run a shop, distributors or manufacturing plant then the likelihood is that you’ll want stock cover to protect your goods - particularly if your operation stock’s expensive items like technology, art or alcohol. Stock cover assists with the costs to replace or repair your stock if it’s damaged, lost or stolen Business interruption – what would happen if you couldn’t trade for a period of time? Would you have money coming in? Business interruption provides peace of mind against this situation, ensuring that you can continue to have an income whilst your company remains closed for repairs or rebuilds
Cyber – cyber-attacks are dangerous, potentially costly and on the rise 87% of small firms have experienced a security breach Cyber-attacks are up 10% from the previous 12 months 93% of large organisations having been targeted according to The Department for Business, Innovation and Skills. In this day and age, cyber cover should be considered as essential as protecting your stock or employees. Cyber cover allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage and more
Fleet – do you have 2 or more vehicles associated with your company? By insuring them on a fleet policy, you can save time and money over individual policies. Including them within a business insurance policy allows you to benefit from further savings. Fleet insurance offers versatility with your fleet by, for example, allowing any named driver to drive the vehicles on your policy
With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.
*Ratings based on Coversure's 2016 Customer Survey.
Coversure's offices have years of experience in providing great value business insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.