Business Insurance FAQ

To help with any questions you may have regarding Business Insurance we have set out a list of frequently asked questions and answers. These questions and answers are for illustrative purposes. Conditions, exclusions and limitations apply to these policies please see the full policy for details.

I currently have Public Liability Insurance; do I need professional indemnity insurance as well?

Public Liability generally covers you for damage to any third party property and members of the public, should an incident occur. Professional Indemnity is needed were you give advice to customers, provide drawings or specifications, or cover for other general clerical errors that may occur. If you would like to discuss your requirements or require a no obligation quotation for Public Liability and Professional Indemnity please call our experienced friendly team
on 0845 658 6587.

If I need to cancel my liability policies will I get a refund of Premium?

No these policies are referred to as a minimum deposit. This means if you cancel the policy mid term there is no refund.

I currently have a liability policy, the sum insured shows £2M aggregate please explain what this means?

Aggregate means your policy has a sum of money in this case 2M, should a claim arise and has to be paid this amount will reduce by the amount of the claim.

If I like the quote you give me, can I spread the payments over the year?

Yes we offer Insurer’s Direct Debit where possible as this is often the most cost effective way of paying for your insurance. Typically 8.75%. Where the insurer does not offer this services we can provide an alternative and competitive facility.

 

Business Insurance Quote

For a quote please click below or call local rate 0845 658 6587

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