Businesses to charities, talk to us about your
Commercial Insurance
We know each business is different. That’s why we offer bespoke commercial insurance policies to suit you and your organisations’ needs.
Our Commercial Insurance Policies
We understand that whilst one type of insurance programme works for one organisation, it may not work for another. That’s why we carefully train our staff to identify and understand the challenges that are unique to your business, enabling us to provide a tailored solution for the risks you will be facing.
We also understand that no two businesses are the same, therefore, whether you need brand or reputational protection, have property or liability concerns we will apply our skillsets to solve the risks you face that may stop you from trading, losing customers or simply not being able to achieve your business ambitions.
We do not sell a ‘one-size-fits-all’ policy, you can buy that online without advice and someone warning you of the conditions you must adhere to. That is simply not who we are.
Commercial Insurance Policy Types
Your policy will be tailored to your needs. Some covers will be included as standard, others are optional. Here are a few of the insurance covers that we will look at for you, to ensure you and your business is fully covered and risks are minimised – allowing you to focus on what you do best.
Public Liability Insurance
Designed to protect your business against damage and injury claims from those that visit your business and also those you visit.
Professional Indemnity Insurance
There to protect you and your business from compensation payments and legal costs in the event of a client claiming against you for advice you’ve given.
Employers' Liability Insurance
Protection against work-related injury and illness claims from your employees. In most cases this is a legal requirement if you have people working for you.
Directors & Officers Insurance
Here to protect your directors or officers against legal costs that can arise from wrongful acts of their roles in the business.
Business Interruption Insurance
Designed to offer cover for losses to your business following an incident. This could include loss of revenue or unplanned expenses.
Cyber Insurance
These policies will provide cover for any losses as a result of cyber attacks and data breaches, through criminal hacks or genuine employee error.
Commercial Insurance Business Types & Sectors
We will always do our best to help as many businesses as we can. This includes, but is by no means limited to:
- NSole Trades
- NSelf Employed
- NPartnerships
- NLimited Companies
- NMicro Businesses
- NFreelancers & Consultants
- NCharities
- NSocial Enterprises
Agricultural & Farming
Customised insurance shields diverse farms in a thriving agricultural sector, crafted to meet unique needs and ensure comprehensive protection.
Fleet
From commercial van insurance to full fleet insurance, we will protect you out on the road whilst you focus on what you do best.
Heritage Sites
Manufacturing & Wholesale
Technology
Charity & Community
Our charity insurance is designed to cover the risks facing charities, community groups and not for profit organisations.
Hospitality & Leisure
For hotels, pubs, or cafes, we arrange insurance ensuring you and your business are protected. Explore coverage options now.
Marine Trades
Professional Services
Often your job involves giving advice. Our professional indemnity insurance is there to protect you in case of any mishaps.
Transport
Construction
Comprehensive defense for your construction business amid a landscape filled with diverse and potential risks and challenges.
Laundries
Motor Trades
Shops & Surgeries
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
What are the Benefits of Commercial Insurance?
Financial Protection
Commercial insurance helps protect the financial health of a business by covering unexpected and potentially significant costs associated with property damage, legal liabilities, and other risks.
Business Continuity
Supply Chain Protection: Commercial insurance can also provide coverage for losses incurred due to disruptions in the supply chain, ensuring continuity of operations.
Legal Compliance
Peace of Mind
Knowing that the business is protected against various risks provides peace of mind for business owners and stakeholders, allowing them to focus on day-to-day operations and growth.
Risk Management
Liability Coverage: Business liability insurance protects against legal claims arising from injuries, property damage, or other liabilities associated with the business operations.
Credibility
Fundamentally it is our job to make sure we identify the risks you face, not over insuring you and saving yourself from being underinsured. We want what’s right for you – that’s why we’re here.
Insuring you is only the start of our journey together, business is fluid, therefore we will agree a strategy for regular visits, zoom or telephone calls whatever suits you to keep on top of the changes that may affect how your policy could respond to keep it relevant and functioning. Commercial insurance can be complex, but we alleviate the stress and will guide you along the way.
Frequently Asked Questions
Do I need business insurance?
If you are a business owner, then yes. Business insurance is there to give protection from day-to-day operational risks. Cover will include protection when working with clients, customers and employees, protection of your business premise and further cover such as cyber security.
How much does business insurance cost?
This all depends on the type of business you run and your policy requirements. Commercial cover is complex, which is why we’re here to advise you on only what you need. We will always make sure you have the right cover in place based on the information you give us.