WHAT IS COMMERCIAL INSURANCE?
Commercial insurance is a type of insurance policy designed to protect businesses and their operations from financial losses due to risks such as property damage, liability claims, employee-related issues, or business interruptions. It includes various coverages tailored to the specific needs of your business and is essential for mitigating risks and ensuring the continuity and financial stability of your business in the event of unforeseen losses.

Public Liability
Public liability insurance is needed if your business interacts with the public, clients, or customers, as it protects against claims for injury or property damage caused by your business activities, whether on your premises or elsewhere.

Employers Liability
You need employers' liability insurance if you employ staff, whether full-time, part-time, temporary, or contractors, as it is a legal requirement to protect against claims for injury or illness caused to employees during their work.

Directors & Officers
Directors & Officers (D&O) insurance protects senior decision-makers from personal liability for claims of negligence or wrongful acts in their professional roles, safeguarding personal assets.




Occupational Personal Accident
Occupational Personal Accident insurance provides financial protection for work-related injuries or death, offering income replacement, medical coverage, or lump-sum payments, especially vital for high-risk or self-employed workers without sick pay.

Legal Expenses
Legal expenses insurance provides financial protection for legal disputes, covering solicitor fees, court costs, and related expenses for issues like employment disputes, tax investigations, or contract disagreements.

Cyber Insurance
Cyber insurance is essential for businesses relying on digital systems or handling sensitive data, offering financial protection and support against cyberattacks, data breaches, and technology failures.

Office Insurance
Office insurance is essential for protecting your business assets, operations, and liability risks if you own or lease office space.
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