SME Insurance
An all-in-one package for small and medium businesses — fire, burglary, money in transit and business interruption in one policy.
- Fire & burglary
- Money in transit
- Business interruption
All Services
Business Insurance
Property Insurance
Protect the Assets That Power Your Business
Whether you own the building or lease it, your stock, fittings and machinery are the beating heart of your business. Our property cover indemnifies you against fire, theft, natural perils, malicious damage and machinery breakdown — with reinstatement value cover so you can rebuild at today's prices, not depreciated value.
What's Covered
Coverage that pays out when it matters
Every property insurance policy we place includes the following as standard. Optional extensions are available depending on your risk profile.
- Fire and allied perils (lightning, explosion, storm, flood)
- Plant, machinery and electronic equipment
- Stock in trade at declared value
- Machinery breakdown and consequential loss
- Boiler and pressure vessel explosion
- Business interruption following insured loss
- Terrorism and political violence (optional)
Who It's For
Built for people like you
Commercial landlords
Warehousing and logistics firms
Manufacturers with heavy machinery
Hotels, schools and hospitals
FAQ
Quick answers
Reinstatement value vs indemnity value — which should I pick?+
Reinstatement pays what it costs to rebuild or replace new-for-old. Indemnity pays depreciated value. We recommend reinstatement for buildings and modern machinery.
Is flood included?+
Yes, under 'allied perils'. But confirm your specific location isn't excluded — some flood-prone areas require a separate endorsement.
You may also need
Other business insurance we arrange
Liability Insurance
Public, product and employer liability cover that pays legal fees and settlements when a third party makes a claim against your business.
- Public liability
- Product liability
- Legal defence costs
Marine Cargo
Import, export and inland transit cover for goods moving by sea, air or road — with fast documentation for clearing agents.
- Single & open cover
- Sea, air & road
- Fast turnaround
Get covered today
Ready to get covered? A quote takes 5 minutes.
Independent advice, arranged by people who pick up the phone.