Business Insurance
Business Insurance
Running a business comes with risks, but the right insurance can safeguard your operations, employees, and assets. At The Finance Hub, we provide expert guidance to help you find tailored business insurance solutions that offer the protection you need. Whether you’re looking for general liability coverage, specialised industry policies, or property insurance, we work with a wide network of insurers to deliver competitive and reliable options.
We offer access to a wide range of insurance solutions to suit businesses of all sizes and industries, including:
- Commercial property insurance
- Hospitality property insurance
- Public liability insurance
- Employers’ liability insurance
- Office insurance
- Business vehicles and fleet insurance
- Cyber liability insurance
- Professional indemnity insurance
- Directors’ and Officers’ insurance
- Commercial combined insurance
- Commercial Property Owners’ (Landlords’) insurance
Commercial Property Insurance
Property insurance for the owners of commercial buildings. Whether your building is used as offices or hosts a hospitality or leisure business, a manufacturing company, a warehouse or storage depot, if you have a business operating in your property, commercial property insurance will provide protection for the building and your investment in it.
Public Liability Insurance
Even if your business is not predominantly public facing, public liability insurance is a sensible precaution. It will protect your company from any damage to property or a member of the public, a customer or supplier, whether they are visiting you, you are visiting them, or you meet in a mutual space such as in a café or at an industry conference.
Employers’ Liability Insurance
If you employ staff, employers’ liability insurance is a legal requirement, with a potential fine of £2,500 for every day you are not properly insured. It is designed to pay compensation if an employee is injured or becomes ill as a result of working for you. Our network of experts will make sure your cover matches your needs and is proportionate.
Office Insurance
Office insurance can protect not only the building, but your staff and assets in it, including contents, IT and communications equipment, electronic equipment, money and other contents. Our network of trusted insurers can provide you with the appropriate office insurance for your needs, as well as comprehensive policies that include public and/or employer’s liability insurance, so you have one policy and premium to manage.
Cyber Liability Insurance
Latest government figures show that nearly four in every ten (39%) of businesses and a quarter (26%) of charities report having had cyber security breaches or attacks in the last 12 months – with one in five of these reporting losing money, data or other assets. The good news is incidents are down on the previous years, thought to be a result of changes in business patterns due to the pandemic and increased cyber security measures, partly in response to the General Data Protection Regulation. However, they are still high enough to be concerning and to indicate that no sector is immune. Cyber liability insurance can protect you against the financial costs of a security attack or breach to enable you to keep trading.
Professional Indemnity Insurance
Even the best of us slip up sometimes, and as your business grows you’ll have a bigger and bigger team, all of whom could make an unintentional mistake for which you would be liable. Professional indemnity insurance provides peace of mind that you’re covered, even if you or one of your members of staff has an off day that might otherwise come with a serious price tag. We can provide you with access to insurers who can find you the right professional indemnity policy that can be tailored to your sector and the risks associated with your professional services.
Directors’ and Officers’ Insurance
Being a director, SEO or senior manager in a company comes with legal responsibilities. If HMRC or the Health and Safety Executive came knocking, you could be personally liable. You could also be in the firing line if a claimant brought legal proceedings against your company or if an employee brought an employment dispute. Directors’ and Officers’ insurance can cover you for potential criminal or regulatory legal costs. It can also be extended into Corporate Liability insurance.
Commercial Combined Insurance
If you have a number of commercial insurance needs, it can often be more cost-effective to take out combined commercial insurance that covers all elements of your business operations and areas of risk. As well as saving you money on your policy, it can also save you time (and so more money) by giving you just one simple, straight-forward policy.
Commercial Property Owners’ (Landlords’) Insurance
Whether you’re a professional landlord or have become an ‘accidental’ landlord (perhaps renting out your former home), landlords’ insurance will safeguard your investment by providing cover tailored to protect you from the additional risks that come with renting a property. You can opt for buildings, contents, accidental damage, loss of rent and liability cover.
News & Insights
Get in the know
Subscribe to our newsletter
Keep up to date with our news and updates, expert tips, articles and events at The Finance Hub.
