FAQs

Question I work from home - Can you still provide business insurance? Answer Yes - please make contact with our office and we will a advise what types of insurance we can help you with.

Question What if I need to increase my Public Liability indemnity limit - Is this possible? Answer Yes - this is possible, we often find that tradespersons are asked to obtain a higher indemnity limit by some employers. We do have maximum limits we can insure up to; please call our office to discuss.

Question Can I protect myself against loss of Income? Answer You can help protect yourself against loss of income or business interruption following an insured event occurring at your premises. We will be happy to explain to you how this cover operates and the basis on which any claims will be paid.

Question Do you include cover for shop front glass? Answer Yes - we include cover for glass and damage to your shop frontage. We also include signs and blinds.

Question I own a property with a residential flat above, can you help? Answer Yes - subject to underwriting we can. If for example you own a building with commercial usage downstairs and a residential flat above, we can provide cover for the building and landlord’s contents. On some of our policies, owners and staffs

Question Can I just insure for my liabilities? Answer Yes you can, we can offer stand-alone liability insurance policies without the need to take out a full business insurance package contract. This is ideal for self-employed persons operating without premises.

Question I’m not sure what I want or what category I fall under? Answer Don’t worry about that, simply call our office and we can have a discussion, we are experts and will be able to help identify your needs and recommend a suitable product.

Question What if I have multiple premises? Answer No problem at all, we can cover them under the one policy document with a common renewal date. You can add and delete premises throughout the year if required.

Question Can I have all my covers under one policy? Answer In many cases- yes, we offer insurance policies with a number of sections covering loss or damage and liabilities. In some cases, particularly if you require a specialist cover such as “Professional Indemnity Insurance”, we may have to issue more than one policy document.

Question Do you cover a start up business? Answer Yes- we are happy to assist with new ventures. Many businesses needing insurance for the first time require a little help and guidance as to what types of insurances are available, especially those insurances that are required to enable a company to comply with any relevant