Insurance overview
Whether you run a small or medium enterprise (SME), you’ve worked hard to build your business and reputation, and we're here to help you maintain it by keeping things running smoothly – giving you the confidence to thrive.
With our SME Insurance, you can protect yourself, your employees, and your business assets. Our policies include cover suited to a variety of businesses – from manufacturer and wholesale, to retail and hospitality. They're also flexible so you can choose optional cover to meet your business' needs now and in the future.
Key things to know about our cover:
- Property - your contents and stock are covered as standard and includes cover for your customer's goods if you're responsible for them. There's also the option to add cover for your buildings if you need it.
- Money - loss or theft of money up to £5,000 on your premises during business hours. This includes money you're transporting to the bank or whilst in a safe on your premises overnight.
- Liability - you or your employees may be held responsible for accidental injury to customers or the public, or for damage to their property. Our normal cover is £2.5 million but you can choose higher limits. Also, as an employer, you have a legal responsibility to hold Employers' Liability Insurance. We provide £10 million as standard but higher limits are available.
We can explain what limits and exclusions apply, so you can ensure the cover is right for you.