Why this exists
Buying each cover separately leaves gaps at the seams. A package written for how you actually trade covers the common exposures without four separate renewal dates.
What it covers
- Premises, contents, stock and equipment
- Business interruption for the trading you lose while closed
- Public liability for injury and damage to third parties
- Money, glass and employee dishonesty on many packages
What it does not
- Professional advice claims — that is professional indemnity
- Machinery breakdown, unless engineering cover is added
- Goods while in transit, unless specifically extended
- Losses beyond the indemnity period you selected
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- SMEs with premises, stock or customers on site
- Retail, hospitality, light manufacturing and services
- Any business where one incident would stop trading
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.