Business Insurance

Competitive Cover From Your Local Independent Business Insurance Brokers

Need competitive, high-quality business insurance? Let Trisure Insurance Services compare our markets to find you great value cover. Our friendly team of specialists can do the shopping around for you and find you the right cover at the right price. Get your free, no-obligation business insurance quote or call (01733) 777799.

Get A Quote

What is Business Insurance?

Business insurance provides companies and other organisations with a range of essential covers on one policy.  Cover through Trisure Insurance Services can protect your premises, stock, and employees and is tailored to your business’s needs.  With business insurance from us, you can get affordable, quality protection against:

  • Public liability claims owing to injury or property damage caused by your business
  • Damage or theft of your business’s property or equipment
  • Employers’ liability to cover sickness or injury to your staff resulting from your organisation’s activities
  • Business interruption should it be forced to close for some time
  • Compensation claims should someone sue you over your business’s dealings
Business Insurance
Salon Insurance

Who Needs Business Insurance?

It’s not just businesses that can enjoy the protection business insurance offers.  Its flexibility means it can be tailored to almost any organisation, as you can see from the following:

  • Builders
  • Shops
  • Manufacturers
  • Online businesses
  • Distributors
  • Hotels
  • Charities
  • Pub and wine bars
  • Accountants
  • Lawyers
  • Motor traders
  • Wholesalers
  • Barbers and hairdressers
  • Consultants

That is to name but a few.  If you’d like some business insurance advice or a free, no-obligation business insurance quote, call us on (01733) 777799.

What Does Business Insurance Cover?

Business insurance through Trisure can be built around your needs and can cover perils such as:
  • Public liability– provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities.
  • Employers’ liability – this is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work.  The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you.  Your policy must:
    • Cover you for at least £5 million
    • Be with an authorised insurer
    • And employers must provide a safe working environment
  • Product liability – did you know that if the products you use, recommend, manufacture, or sell cause problems, you can be liable for damages? As a manufacturer, distributor, salon owner, or retailer, products are likely to be central to the running of your business.  Product liability insurance can protect you if your products cause injury or illness and legal claims are brought against you
  • Business buildings insurance– if you own the building in which your business operates, you’ll need commercial buildings insurance to protect it.  Buildings insurance insures you against the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, or vandalism
  • Business interruption– if your business was forced to close for a while, the effects could be catastrophic due to mounting bills and no income.  Thankfully, business interruption insurance can be there for you at the worst of times.  It will continue to provide you with an income while your business’s doors are closed, giving you significant peace of mind
  • Directors’ and officers’ insurance (D&O)– as the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them.  Directors’ and officers’ insurance, D&O insurance as it’s also known, protects your senior members from the costs of legal action, allowing them to focus on their jobs
  • Professional indemnity– if you advise your customers, you should consider having professional indemnity insurance.  Professional indemnity, I. insurance, as it’s also known – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice
  • Stock cover– if you run a shop, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen
  • Cyber insurance– cyber-attacks are dangerous, potentially costly, and rising.  39% of U.K. firms experienced a security breach, and cyber-attacks are up 10% on 2021, with 93% of large organisations have been targeted, according to The Department for Business, Innovation and Skills.  Cyber insurance is now considered as essential by many business owners.  Cyber insurance allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage, and more
  • Fleet– do you have two or more vehicles associated with your company?  You can save time and money versus individual vehicle policies by insuring them with fleet insurance.  Fleet insurance offers extra versatility, too, by, for example, allowing any named driver to drive the vehicles on your policy

How Much Does Business Insurance Cost?

There’s no one-size-fits-all answer to this question – it will depend on factors such as:

  • The size of your business
  • The type of work it does
  • If you have employees
  • If you have stock
  • If you have vehicles
  • Where it is
  • If you have a commercial property to cover
  • Your claims history

If you’d like some business insurance advice or a free, no-obligation business insurance quote, call us on (01733) 777799.

Work Insurance

Business Insurance FAQ

Business insurance can be a complex area of cover, so to help you get the protection you need, here are our business insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, call Trisure on (01733) 777799.

If your organisation needs to be insured against a range of risks and liabilities, this is an easy way to get a package of protection.
No, but if you have employees, you will need employers’ liability insurance.
It depends on things like the size of your business, the type of work you are doing, where and for whom, and your claims history.
It depends on what you do and where you do it. You will need public liability cover if you’re a tree surgeon working with the public. If you have staff, you’ll need employers’ liability insurance too. Many self-employed people work from home. In this case, if you have clients coming into your home, you’ll want to have public liability cover, and if you give advice, then you’d be wise to have professional indemnity insurance.
Yes, it can cover it against loss or theft. It can also protect expensive items such as machinery or office equipment.
Business insurance makes sense if you work online and have stock, employees, or a warehouse.
Yes, you can take out business insurance before you start trading, even if your business isn’t VAT registered or a limited company.
Getting a quote is easy; If you’d like a competitive business insurance quote, call Trisure on (01733) 777799.

Get A Business Insurance Quote

If you’d like a competitive business insurance quote, call Trisure on (01733) 777799 or click here to start your quote.  Our team of specialists will search our markets to find you the right policy at the right price to keep your business protected. 

Get A Quote
Get A Quote