FAQs

Your Business Insurance questions answered

Don't get confused about your business insurance cover. For advice on getting covered read our frequently asked questions.

Business insurance cover explained

Employers’ Liability Insurance at a glance

If someone working for you becomes ill or injured as a result of their work activities you may face a claim. Depending on the seriousness of the injury, the cost of claims related to employer health and safety responsibilities can be very high. That’s why it is vital for every employer to consider Employers’ Liability Insurance.

Who needs Employers’ Liability Insurance?

If one or more other people are helping your business to function (even if you are not paying them a wage) then you have a responsibility for their health and safety whilst at work. A written contract of employment does not need to be in place as anyone working for your business is still deemed to be an employee. This includes part-time workers, students on work experience, sub-contractors and volunteers.

In these instances (with the exception of some family businesses), you are an employer in the eyes of the law and therefore you need to take out Employers’ Liability Insurance.

What does Employers’ Liability Insurance protect against?

Employers’ Liability Insurance protects your business from claims for compensation from employees. An employee may claim against you if they are hurt or injured whilst working for you. Former employees can also claim against you if they believe they have become ill as a result of working for you.

Is Employers’ Liability Insurance compulsory?

In most cases, if you have one or more employee, it is; however there are some exceptions as shown below. You should check with one of our business insurance specialists to see if these apply to you:

You may be exempt from having Employers Liability insurance in the following instances:

  • All of your business' employees are close relatives and the business itself is not incorporated as a limited company.
  • The owner is the sole employee, and owns at least 50% of the company's issued share capital.

How much Employers’ Liability cover will I need?

The minimum legal level of Employers’ Liability Insurance required by a business is £5 million however, depending on the individual business risks and liabilities, more may be required. If you don’t have adequate cover in place, you risk a substantial fine.

What’s covered?

  • Third party property damage
  • Personal injury
  • Legal or medical fees may also be covered

Product Liability Insurance at a glance

Faulty or defective products can cause serious problems. For any business involved making or repairing products, particularly on a large scale, the risk associated with faults or defects is high - and the financial implications could potentially run into millions. We all know examples of products that have made it to market before a problem is discovered. Product Liability Insurance ensures your business can cope if an issue arises with the products you deal with.

Who needs Product Liability Insurance?

If your business involves the manufacture, repair or sale of products, Product Liability Insurance will provide a vital financial safety net and is worth serious consideration. Recalling products and fixing faults can be expensive. Add to those costs any potential claims for medical expenses or compensation as well as legal costs – and the implications become clear. If you think your business could benefit from product liability insurance, call our team on 0800 107 8949.

What does Product Liability Insurance protect against?

Product Liability Insurance provides protection in the event of damage or injury caused by a product or a product design fault. It also covers the risk of spoilage. Problems can occur as a result of negligence during the production process, or may simply result from issues that are not picked up during testing. Even if a business is not found to be negligent, it may still be liable in the event of a product subsequently causing damage or injury.

Is Product Liability Insurance compulsory?

No, for most industries Product Liability Insurance is not mandatory, however it does cover risk to a significant level and for this reason Product Liability Insurance is expensive compared to other business cover. Some purchasing companies may also demand Product Liability Insurance before buying from you. Professional advice should be taken when considering the scope and level of cover required for each business.

What’s covered?

  • Damage caused by products
  • Injury resulting from a product fault
  • Spoilage
  • Safety and indemnity costs
  • Medical bills and legal expenses

Professional Indemnity Insurance at a glance Professional Indemnity Insurance protects your business from financially crippling and reputation damaging claims from dissatisfied clients. When the pressure is on, even the most professional businesses can make mistakes or fall victim to unscrupulous employees. Professional Indemnity Insurance ensures a mistake doesn’t cost you your business. Who needs Professional Indemnity Insurance? Any business providing advice, consultancy or specialist services over and above the standard achievable by an ordinary person could be classed as a ‘professional’ in their field and should consider the benefits of Professional Indemnity Insurance.

What does Professional Indemnity Insurance protect against?

Professional Indemnity Insurance could protect your business from legal and other costs resulting from a variety of potential problems including:

  • Lost or stolen documents, whether hard copies or information held on PCs or laptops. The cost of retrieving data is also included.
  • Dishonesty, in the event that one of your employees steals from your client.
  • Infringement of copyright, trademarks and broadcasting rights, which can result in a substantial claim against your business.
  • Negligence or a failure of your employees to exercise a duty of care during the course of their work.

Is Professional Indemnity Insurance compulsory?

It is for some professions (including solicitors, accountants, architects, insurance brokers and financial advisers). But for some businesses, operating without Professional Indemnity Insurance is simply not an option because of their level of potential risk. Some client organisations may also demand a minimum level of Professional Indemnity Insurance cover before they can consider working with a particular business.

It makes sense to seek advice from an insurance professional on the level of Professional Indemnity Insurance appropriate for your business. The right amount of cover will depend on the risks facing your particular business as well as the value and impact of the services provided.

What’s covered?

  • Lost or stolen documents
  • Theft or dishonest employees
  • Breach of intellectual property
  • Negligence

List of 750 target trades

Below is the complete list of trades included in the deals mentioned on some of our product pages. By using winning discounts for the following trades and professions, we will work on matching renewal quotes where you are claim free.

If you are a new customer and coming up to renew your policy, so long as we can offer you the same deal and you have been claim free for three years, we can offer a variety of discounts depending on your situation. For further details call our team today.

  • Abrasives manufacturers, sand, glass and emery paper/cloth
  • Accountancy
  • Acoustic consultant
  • Acoustic engineers (15 metre height limit)
  • Actuarial consultancy
  • Actuarial consultant
  • Actuaries
  • Actuary
  • Acupuncture
  • Addressing/circularising services
  • Adjuster
  • Administration
  • Administrator
  • Advertising
  • Advertising agency
  • Advertising agent
  • Advertising consultancy
  • Advice centre
  • Aerated water manufacturers
  • Aerobics instructors
  • Aggregate merchants
  • Agricultural and horticultural machinery manufacturers
  • Agricultural consultants
  • Agricultural contractors (ex contract milkers/milking parlours)
  • Alarm Installers
  • Alarm manufacturers, fitters and repairers
  • Aluminium excluding shearing (wholesale)
  • Aluminium including shearing (wholesale)
  • Amplifier manufacturers
  • Arbitration
  • Arbitrator
  • Architects
  • Architectural surveying
  • Architecture
  • Armature manufacturers and rewinders
  • Aromatherapy
  • Art criticism
  • Artexers
  • Artificial flower manufacturers (not otherwise specified)
  • Artificial flower manufacturers (plastic)
  • Artificial silk fabric production spinning, weaving and preparation
  • Artificial stone manufacturers (excluding efficacy)
  • Artist
  • Artists brush and sundries manufacturers
  • Assessing
  • Audio visual and recording equipment manufacturers, servicers & repairers domestic
  • Auditing
  • Auditor
  • Author
  • Baking machinery manufacturers, fitters and repairers
  • Bar fitters (manufacture and installation)
  • Barrel manufacturers (wooden)
  • Barrister
  • Basket manufacturers
  • Bath resurfacer
  • Bathroom design
  • Bearing manufacturers (no known safety critical/hazardous use specialisation)
  • Beer (wholesale)
  • Belting and webbing manufacturers (no hot processes)
  • Billiard table manufacturers
  • Binocular manufacturers
  • Blade manufacturers (not cutlery)
  • Blind & curtain fitters
  • Blind manufacturers
  • Boiler services (restricted locations)
  • Book binders
  • Book keeper
  • Bookkeeper
  • Boot lace manufacturers
  • Bottle wholesalers glass
  • Bottlers - glass
  • Box and packing case manufacturers not otherwise specified metal
  • Box and packing case manufacturers not otherwise specified plastic
  • Braces manufacturers
  • Braid manufacturers
  • Brass workers and finishers (not foundries)
  • Braziers
  • Brewers and maltsters
  • Brick and tile manufacturers
  • Brick baking machinery manufacturers, fitters and repairers
  • Bricklayers
  • Briefcase manufacturers
  • Brush and broom manufacturers (wooden)
  • Builders merchants (excluding woodworking)
  • Builders merchants
  • Building consultancy
  • Building society agent
  • Building surveying
  • Business advisory service
  • Business consultancy
  • Business consultant
  • Butler
  • Button, buckle, hook and eye manufacturers
  • Button, switch, knob and handle manufacturers plastic
  • Button, switch, knob and handle manufacturers wood
  • Cabinet makers (wooden)
  • Cable (not electric) manufacturers
  • Cake Decorator
  • Cake Maker
  • Calculator manufacturers
  • Calenderers other natural materials (fabric and cloth)
  • Calligraphy
  • Camera and accessory manufacturers
  • Camping equipment manufacturers tents
  • Can manufacturers
  • Cane goods manufacturers
  • Canners alcohol
  • Canners soft drinks
  • Canvassers
  • Capacitor, transistor, microchip, silicon chip manufacturers
  • Car valeters
  • Carpenters (excluding shuttering & formwork)
  • Carpet fitters
  • Cartography
  • Cartoonist
  • Cash register manufacturers
  • Catering consultancy
  • Catering contractors (excluding market stall, mobile snack vendors)
  • Catering equipment manufacturers
  • Cavity wall insulation contractors
  • Ceiling installers
  • Cementation (metal coating) (excluding work away)
  • Chain manufacturers (not drop forging)
  • Chalk merchants (not quarrying)
  • Chamber of commerce
  • Chartered surveyor
  • Chartered surveyors (excluding estate agents)
  • Chauffeur
  • Childminder (registered)
  • Chiropodists and podiatrists
  • Chiropody
  • Chiropractic
  • Cider manufacturers
  • Civil service
  • Claims adjusting & assessing
  • Claims assessor
  • Cleaners - carpets/upholstery (excluding damage to the item being worked upon)
  • Cleaners - interior (industrial)
  • Cleaners - interior (non-industrial)
  • Clerical services
  • Clerical training consultant
  • Clingfilm manufacturers
  • Clothing and millinery wholesale
  • Clothing manufacturers hosiery
  • Clothing manufacturers knitwear/denim
  • Clothing manufacturers other articles non safety
  • Clothing manufacturers shirts/blouses/lingerie
  • Clubs (snooker)
  • Clubs (social & political)
  • Clubs (sports)
  • Clubs (working men's)
  • Commission agents
  • Commissioners for oaths
  • Commodity broking
  • Commodity dealing
  • Company registrar
  • Company search agency
  • Compressor and air receiver manufacturers
  • Computer aided design
  • Computer analysis
  • Computer and computer equipment manufacturers (office and domestic)
  • Computer bureau
  • Computer consultancy
  • Computer consultant
  • Computer equipment Wholesalers
  • Computer programming
  • Computer servicing
  • Computer software
  • Computer software House
  • Concrete goods manufacturers
  • Concrete mixer manufacturers
  • Concrete products manufacturers
  • Conference management
  • Conservatory installers (restricted locations)
  • Construction plant repairers
  • Consultant engineering
  • Consultant surgeon/specialists
  • Consulting engineers
  • Contractors workshop/store (excluding WWM)
  • Control panel and switchgear manufacturers installation and servicing (ex efficacy)
  • Conveyancer
  • Conveyancing
  • Conveyor manufacturers, fitters and repairers
  • Cooker manufacturers solid fuel
  • Coppersmiths
  • Copywriting
  • Cordial manufacturers
  • Curtain & blind fitters
  • Cutlery edge and tool grinders (as a separate trade)
  • Cutlery manufacturers not electrical
  • Dairy machinery and equipment manufacturers, fitters and repairers
  • Data cable installers 15 metre height limit (excluding trenching/excavation/groundworking)
  • Data processing
  • Data protection
  • Dental equipment manufacturers electrical
  • Dental equipment manufacturers other
  • Dentistry
  • Denture manufacturers
  • Dermatology
  • Design consultancy
  • Design consultant
  • Desktop publishing services
  • Diecutters and sinkers metal
  • Diecutters and sinkers plastic
  • Diecutters and sinkers wood
  • Doctor
  • Dog and cat groomer
  • Dog walking
  • Domestic Help (excluding nursing & care)
  • Door and window manufacturers (metal)
  • Door and window manufacturers (plastic)
  • Door and window manufacturers (wooden)
  • Double glazing manufacturers - aluminium
  • Drain and sewer pipe manufacturers ceramic, earthenware and sanitaryware
  • Drain repairers (2 metre depth limit)
  • Drain repairers (5 metre depth limit)
  • Drama Instructor (exluding other sports)
  • Draughtsman
  • Drilling contractors (borehole, investigation & well)
  • Drum and keg manufacturers (metal)
  • Dry stone wall contractors
  • Ductwork installers (exluding fabricators, exluding heat, height limit)
  • Ductwork manufacturers, fitters and repairers (metal)
  • Earthenware manufacturers not pipes
  • Editorial consultancy
  • Elastic and elastic goods manufacturers
  • Electric cable, wire, conduit and transmission line manufacturers (not work away or special purpose)
  • Electric motor manufacturers and rewinders
  • Electrical appliance manufacturers "white" goods
  • Electrical component manufacturers
  • Electrical contractor (portable appliance testing)
  • Electrical contractors (non-industrial)
  • Electrical fuse, circuit breaker, plug and switch manufacturers (not special purpose)
  • Electrical goods consultancy
  • Electrical goods manufacturers
  • Electrical goods wholesalers
  • Electrical goods wholesalers - not computer equipment
  • Electroplaters
  • Electronic component manufacturing chips, transistors, etc.
  • Electronic engineers (including hi-tech)
  • Electronic equipment manufacturers (assembly/components)
  • Electronics consultancy
  • Energy consultancy
  • Engineering consultancy
  • Engineers manufacturing (not machinery) not otherwise specified max weight any one unit of 50 kilos
  • Engraver
  • Engravers glass
  • Engravers metal
  • Engravers wood
  • Engravers, electrotypers, stereotypers etc. (printing trades)
  • Environmental consultancy
  • Estate agency
  • Estate management
  • Exhibition organiser
  • Export agency/consultancy
  • Extruders (metal)
  • Eyelet manufacturers
  • Fashion consultancy
  • Fencing contractor (including crash barriers)
  • Fencing manufacturers metal
  • Fibreboard and wallboard manufacturers (including woodworking machinists)
  • Finance company
  • Financial advisory service
  • Financial consultant
  • Financial market trading
  • Financial services
  • Fire extinguisher service engineers (exluding sprinkler systems)
  • Fireplace manufacturers and installers metal
  • Fireplace manufacturers and installers plaster
  • Fireplace manufacturers and installers stone or slate
  • Fireplace manufacturers and installers tiled
  • Fireplace manufacturers and installers wooden
  • Fish hook manufacturers
  • Fisheries consultancy
  • Fitness instructors (excluding sports training)
  • Fitted furniture installers
  • Flag, banner and bunting manufacturers
  • Flint millers
  • Floral and plant arrangers 5 metre height limit
  • Food processing and packing equipment manufacturers
  • Forestry consultant
  • Forge masters (not drop forging)
  • Fork lift truck manufacturers and repairers
  • Forwarding agent
  • French polishers
  • Friendly society
  • Fruit & vegetable wholesalers
  • Fuel efficiency consultant
  • Furniture manufacturers
  • Furniture manufacturers metal
  • Furniture manufacturers wooden
  • Furniture repairers and restorers metal
  • Furniture repairers and restorers wooden
  • Furniture and carpet wholesale
  • Gardening (excluding landscape gardening and mechanical plant)
  • Gauge manufacturers electrical
  • Gauge manufacturers non electrical
  • Gear cutting (as a separate trade) (not specialist or safety critical)
  • Genealogy
  • Generating plant manufacturers
  • Glass manufacturers
  • Glass merchants/wholesalers
  • Glass bevellers, silverers, embossers, gilders and decorators
  • Glass blowers
  • Glass bottle and jar manufacturers
  • Glass cut glass cutters
  • Glass not safety/security/windscreen wholesale
  • Glass other manufacturers
  • Glass scientific glassware
  • Glasses manufacture spectacles not safety
  • Graphic design
  • Graphic designer
  • Graphology
  • Grave diggers
  • Gravure manufacturers (printing plates or cylinders)
  • Greenhouse manufacturers and erectors (metal)
  • Gym equipment Installers
  • Gynaecology
  • Hardware and ironmongery manufacturers (not otherwise specified)
  • Hardware and ironmongery wholesale
  • Hardware wholesalers
  • Health & safety advisors
  • Health and safety consultancy
  • Health clubs
  • Heat treatment engineers (annealing, hardening, normalising or tempering of metal)
  • Heating consultancy
  • High pressure water washing contractors
  • Hod carrier
  • Holloware manufacturers (pots and pans)
  • Home laundry & ironing service
  • Horn goods manufacturers
  • Horticultural consultancy
  • Hose manufacturers (not clothing) domestic other materials
  • Hose manufacturers (not clothing) domestic plastic
  • Hose manufacturers (not clothing) non domestic other materials
  • Hose manufacturers (not clothing) non domestic plastic
  • Hospital consultancy
  • Hotel consultancy
  • Hotels
  • House sitter
  • Housing association
  • Hydraulic engineers
  • Hydraulic engineers (including work away, exluding mines or ships)
  • Illustrator
  • Image consultant
  • Image consultants
  • Import consultancy
  • Industrial relations
  • Information bureau
  • Insurance
  • Insurance advisor
  • Insurance agent/consultant
  • Insurance assessor
  • Insurance broking
  • Insurance company
  • Insurance consultancy
  • Insurance intermediary
  • Interior designer
  • Internet consultant
  • Interpreter
  • Investment
  • Investment banking
  • Investment consultancy
  • Investment consultant
  • Investment management
  • Iron/steel ex shearing wholesale
  • Ironing and home laundry service
  • IT consultancy
  • Jewellery case manufacturers (plastic)
  • Jewellery case manufacturers (wooden)
  • Jewellery consultancy
  • Jobbing general engineering, not manufacturing (metal)
  • Joiners
  • Joinery and carpentry manufacturers and installers
  • Kitchen, bedroom and bathroom furniture (fitted) manufacturers and installers inc work away inc plumbing/electrical
  • Kitchen, bedroom and bathroom furniture (fitted) manufacturers and installers inc work away no plumbing/electrical
  • Knitting needles, pins and hook manufacturers metal
  • Knitting needles, pins and hook manufacturers plastic
  • Laboratories
  • Lacquerers
  • Land agency
  • Land surveying
  • Laundry machinery (not domestic) manufacturers, fitters and repairers
  • Law centre
  • Lawyers
  • Lease broking
  • Leasing company
  • Leather goods manufacturers bags, purses etc
  • Leather goods manufacturers other (not clothing/footwear)
  • Leather goods manufacturers saddles and harnesses
  • Legal services
  • Legal system
  • Licensing consultancy
  • Licensing consultant
  • Lifestyle consultant
  • Light engineers general contract metal workers machining light items to customers' specification, with no specialisation in safety critical or other hazardous goods no work away
  • Lighting consultants
  • Lighting manufacturers
  • Linguistics
  • Linguistics services
  • Locksmith
  • Loss adjuster
  • Loss adjusting/assessing
  • Machine tool manufacturers (component tools for attachment to machines and not complete items of machinery or plant)
  • Machinery and heavy ironware or steel ware wholesalers
  • Machinery manufacturers, fitters and repairers not otherwise specified and not electrical or electronic
  • Man made fibre production (not viscose/rayon)
  • Man made fibre production (viscose/rayon)
  • Management consultancy
  • Marine consultancy
  • Marine store (not scrap metal merchants)
  • Market research
  • Market researcher
  • Marketing
  • Marketing consultancy
  • Mastic sealant contractors
  • Measuring, monitoring and recording (not sound) equipment and timing device manufacturers (not control panels) electrical
  • Measuring, monitoring and recording (not sound) equipment and timing device manufacturers (not control panels) non electrical
  • Mechanical handling equipment manufacturers not otherwise specified and not electrical
  • Merchant banking
  • Mesh and net manufacturers (metal) not safety/special purpose
  • Metal fabricators
  • Metal foil manufacturers
  • Metal goods wholesaler
  • Metal polishers
  • Metal spinners
  • Metal workers not otherwise specified general contract engineers machining/fabricating heavy items to customers' specification, with no specialisation in safety critical or other hazardous goods
  • Metal workers not otherwise specified general contract engineers machining/fabricating light items to customers' specification, with no specialisation in safety critical or other hazardous goods
  • Metal workers not otherwise specified general contract engineers machining/fabricating medium items to customers' specification, with no specialisation in safety critical or other hazardous goods
  • Metalworkers
  • Mica cutters
  • Microwave oven manufacturers
  • Millboard manufacturers (not asbestos)
  • Mineral water manufacturers
  • Mobility equipment manufacturers and repairers (non mechanical)
  • Money broking
  • Mortgage broking
  • Mortgage consultants and brokers
  • Motor trade repairers - exc spraying
  • Motor trade showroom/sales - no repair
  • Musical instruments manufacturers electrical
  • Musical instruments manufacturers other
  • Musical instruments other wholesale
  • Musical instruments wholesalers electric
  • Nail and screw manufacturers
  • Naturopathy
  • Naval architect
  • Needle manufacturers (not medical)
  • Net manufacturers (fishing) (exluding efficacy)
  • Net manufacturers (metal) not safety/special purpose
  • Net manufacturers (plastic) not safety/special purpose
  • Newsagents wholesale
  • Non ferrous metal ex shearing wholesale
  • Non ferrous metal inc shearing wholesale
  • Non-destructive testers 15 metre height limit
  • Non-manual site supervisors 15 metre height limit
  • Notaries public
  • Nut and bolt manufacturers
  • Occupational health consultancy
  • Occupational therapy
  • Office business machinery manufacturers, fitters and repairers electrical
  • Office business machinery manufacturers, fitters and repairers non electrical
  • Office business machinery wholesale
  • Office partitioning manufacturers
  • Offices (purpose Built concrete floored)
  • Offices (timber floored)
  • Opinion polls
  • Optical instrument and appliance manufacturers electrical (not dental or for internal use on the body)
  • Optical instrument and appliance manufacturers non electrical (not dental or for internal use on the body)
  • Orthopaedics consultant
  • Orthoptics
  • Osteopathic consultant
  • Painter & decorator (all other work)
  • Painter & decorator (non-Industrial)
  • Paper making machinery manufacturers, fitters and repairers
  • Patent office
  • Patent/trademark agents
  • Pattern makers (metal)
  • Pattern makers (plastic)
  • Pattern makers (wooden)
  • Pen and pencil manufacturers
  • Pension consultant
  • Personnel consultancy
  • Personnel consultant
  • Pest controllers
  • Pet sitters
  • Photo block manufacturers
  • Photographers
  • Photographic agent
  • Photographic supplies manufacturers films
  • Photographic supplies manufacturers lighting
  • Photographic supplies manufacturers other
  • Physiotherapy
  • Piano tuners
  • Picture frame manufacturers (wooden)
  • Pilates Instructor (Ex other sports)
  • Pipe fitters
  • Pipe manufacturers (earthenware)
  • Pipe manufacturers (metal and not otherwise specified) drainage, sewerage and water
  • Pipe manufacturers (plastic) drainage, sewerage and water
  • Pipeline consultancy
  • Planning consultancy
  • Plant hire workshop/store
  • Plaster and plasterboard manufacturers
  • Plastering contractors
  • Plastic and blown film extrusion bags & sacks
  • Plastic bag manufacturers
  • Plastic bottle manufacturers (blow moulding)
  • Plastic extrusion commercial contract manufacture
  • Plastic extrusion domestic bowls etc
  • Plastic extrusion domestic other (not otherwise specified)
  • Plastic extrusion packing and food & drink
  • Plastic extrusion packing other
  • Plastic injection commercial contract manufacture
  • Plastic injection domestic bowls etc
  • Plastic injection domestic other (not otherwise specified)
  • Plastic injection packing and food & drink
  • Plastic injection packing other
  • Plastics consultancy
  • Plumbers merchants
  • Plumbers merchants or store
  • Plumbing goods manufacturers not otherwise specified
  • Pneumatic engineers
  • Political consultancy
  • Pool table manufacturers
  • Porcelain Manufacturers
  • Portable building manufacturers and erectors (not garden sheds) metal
  • Portable building manufacturers and erectors (not garden sheds) wooden
  • Potter
  • Potteries
  • Pottery machinery manufacturers, fitters and repairers
  • Pottery, crockery and chinaware manufacturers and decorators
  • Powder coaters not otherwise specified
  • Precision engineers not otherwise specified, general precision contract metalworkers machining heavy items with lathes/milling machines/drilling machinery/reamers etc to customers' specification, with no specialisation in safety critical/other hazardous goods
  • Precision engineers not otherwise specified, general precision contract metalworkers machining light items with lathes/milling machines/drilling machinery/reamers etc to customers' specification, with no specialisation in safety critical/other hazardous goods
  • Precision engineers not otherwise specified, general precision contract metalworkers machining medium items with lathes/milling machines/drilling machinery/reamers etc to customers' specification, with no specialisation in safety critical/other hazardous goods
  • Pregnancy testing service
  • Press cutting agency
  • Pressure washers - path/patio/driveways only
  • Pressworkers not otherwise specified general contract metal workers producing pressed items, with no specialisation in safety critical or other hazardous goods
  • Printed circuit board manufacturers
  • Printer newspaper
  • Printers (paper/cardboard)
  • Printers (plastic)
  • Printers (lithographic)
  • Printers silk screen
  • Printing machinery manufacturers, fitters and repairers (ex UV drying)
  • Professional association
  • Project management
  • Promotional consultancy
  • Proof reading
  • Property auditors
  • Property consultancy
  • Property investment
  • Property letting
  • Property management
  • Property owner
  • Property valuers
  • Psychoanalysis
  • Public records search company
  • Public relation consultancy
  • Public relations consultant
  • Public relations officer
  • Public warehousemen (general storage) (ex bailee risk)
  • Publicity management
  • Publicity management Services
  • Pulley, block and tackle, hoist and sling manufacturers
  • Pump and pumping equipment manufacturers (not foundries or otherwise specified)
  • Quantity surveyors
  • Ready mixed concrete manufacturers
  • Reflexology
  • Refrigeration engineers (excluding inefficacy)
  • Refrigeration engineers (Including inefficacy)
  • Registrar
  • Regulator
  • Relocation agency
  • Research association
  • Research consultancy
  • Resident association
  • Residential (block of flats purpose built concrete floored excluding DSS & students. 6 flats or more)
  • Restaurants and café
  • Retail (low hazard) - newsagents, grocers, baked goods & confectioners (no baking on premises), books, shoes, coffee, hairdressers, sandwich shop, gift shop, mobile phones and the like
  • Retail (medium hazard) - shoe repairers, clothing, drapers, bakers (baking on premises), electrical goods and the like
  • Ribbon manufacturers
  • Rivet manufacturers
  • Roller shutter door manufacturers, fitters and repairers
  • Roller shutter door/window installation (exluding automatic barriers)
  • Roller shutter door/window installation 5 metre height limit (exluding Automatic Barriers)
  • Rope, cord, string and twine manufacturers
  • Sack and bag manufacturers (plastic)
  • Safe and vault manufacturers, fitters and repairers (exluding efficacy)
  • Sailmakers
  • Sandwich delivery
  • Sanitaryware manufacturers
  • Satellite dish manufacturers and installers
  • Scales and weighing instrument and machinery manufacturers domestic, kitchen, bathroom etc
  • Scales and weighing instrument and machinery manufacturers industrial/commercial
  • Scientific instrument and appliance makers electrical
  • Scientific instrument and appliance makers non electrical/not otherwise specified
  • Scientific instrument and appliance makers plastic/rubber
  • Scissor manufacturers
  • Sculptor
  • Secretarial services
  • Securities dealer (Licensed)
  • Security consultancy
  • Seed and bulb merchants (ex failure to germinate)
  • Sewage consultancy
  • Sewing or knitting machine manufacturers domestic
  • Sewing or knitting machine manufacturers other
  • Shed erection (domestic) 5 metre height limit
  • Sheet metal workers not otherwise specified general contract metal workers producing sheet metal items to customers' specification, with no specialisation in safety critical or other hazardous goods no work away
  • Shell goods manufacturers
  • Shelving & racking Installers 10 metre height limit
  • Shelving and racking manufacturers, fitters and repairers wooden
  • Shelving and racking manufacturers, fitters and repairers metal
  • Shiatsu practitioners
  • Ship broking
  • Shipping and forwarding agency
  • Shoe and boot manufacturers (not safety)
  • Shop and office fitters
  • Shop equipment servicing engineers
  • Shop fitting manufacturers and installers
  • Shot blasters
  • Sign (including signwriting) manufacturers and erectors electric
  • Sign (including signwriting) manufacturers and erectors not electric
  • Silicon chip, microchip, capacitor, transistor manufacturers
  • Silk spinning, weaving and preparation processes
  • Slate dressers and breakers (not quarrying)
  • Slot and vending machine manufacturers electrical
  • Slot and vending machine manufacturers non electrical
  • Smallware manufacturers (braids, lace, tassels, fringes etc)
  • Snooker table manufacturers
  • Social worker
  • Soft drink manufacturers aerated
  • Soft drink manufacturers still
  • Software consultancy
  • Solicitor
  • Solicitors
  • Spectacle frame manufacturers metal
  • Spectacle frame manufacturers plastic
  • Speech therapy
  • Sports goods manufacturers clothing not special purpose
  • Sports goods manufacturers others
  • Sports goods manufacturers footwear
  • Spring manufacturers (not for motor industry and no safety critical or hazardous uses)
  • Staircase, railings, gates manufacturers, fitters and repairers metal
  • Stampers and piercers not otherwise specified general contract metal workers producing items to customers' specification, with no specialisation in safety critical or other hazardous goods
  • Statisticians
  • Steel reinforcing rod installers
  • Steel stockholders (no shearing)
  • Stockbroker
  • Stockbroking
  • Stone (not marble or granite) dressing and breaking yards (no quarries)
  • Stone/slate/concrete tile manufacturers (not asbestos and not otherwise specified)
  • Stonemasons
  • Stove enamellers
  • Stoves and grates manufacturers, fitters and repairers
  • Street furniture installers 5 metre height limit (exluding traffic management/coning contractors/street lighting)
  • Surface coating consultancy
  • Surveying
  • Surveyor
  • Swimming pool engineers
  • Swimming pool installer (restricted locations)
  • Tachograph analysis
  • Tax consultancy
  • Tax consultant
  • Teachers (including manual activities)
  • Teachers(exluding manual activities)
  • Telecommunications consultancy
  • Telecommunications consultant
  • Telemarketer
  • Telemarketing
  • Telephone answering service
  • Telephone answering services
  • Telesales consultant
  • Television, radio, audio visual and recording equipment manufacturers, servicers and repairers
  • Textile consultancy
  • Textile consultant
  • Textile machinery manufacturers, fitters and repairers
  • Theatre & ticket agencies
  • Ticket agency
  • Timber decking contractors
  • Timber treatment consultant
  • Tinsmiths
  • Tool and implement manufacturers not otherwise specified (hand electric/powered)
  • Tool and implement manufacturers not otherwise specified (hand not electric/powered)
  • Town planner
  • Trade association
  • Trading standards enforcement
  • Traffic consultancy
  • Trailer manufacturers (metal) agricultural
  • Trailer manufacturers (metal) domestic
  • Trailer manufacturers (wooden) agricultural
  • Trailer manufacturers (wooden) domestic
  • Training consultancy
  • Transformer manufacturers (no use of polychlorinated biphenols)
  • Translation
  • Translator
  • Travel goods (luggage) manufacturers metal
  • Travel goods (luggage) manufacturers plastic
  • Treefellers/tree Surgeons (exluding abseiling/climbing)
  • Trichology
  • Trolley manufacturers (metal) non powered
  • Tubes and tube drawers (metal and not otherwise specified) drainage, sewerage and water
  • Typing and Copying Bureau
  • Umbrella manufacturers
  • Underwriting Agency
  • Upholsterers
  • Vacuum Cleaner Repairer
  • Vacuum flask manufacturers
  • Valuation (real estate)
  • Valuers - (real estate)
  • Valve manufacturers, installers and repairers
  • Vegetables (wholesale)
  • Vehicle audio & telephone installer (mobile only)
  • Vending machine filler
  • Vending machine manufacturers electrical
  • Vending machine manufacturers non electrical
  • Veterinary
  • Veterinary surgeons
  • Vinegar manufacturers
  • Vitreous enamellers
  • Washing machine repairer
  • Watch and clock manufacturers
  • Web site design
  • Welding equipment manufacturers
  • Wheelie bin cleaners
  • Wig manufacturers man made fibres
  • Will writer
  • Window and door manufacturers (metal)
  • Window and door manufacturers (plastic)
  • Window and door manufacturers (wooden)
  • Window cleaners - water pole washing systems only
  • Wine producers
  • Wire coverers (electric manufacturers)
  • Wire drawers other and not wire rope manufacturers
  • Wire goods or products manufacturers not otherwise specified not safety or special purpose
  • Wire goods or products manufacturers springs (not for motor industry and no safety critical or hazardous uses)
  • Wire goods or products manufacturers wire wool
  • Wire rope and cable manufacturers
  • Wood mould manufacturers
  • Woodenware manufacturers and turners
  • Word processing
  • Wrought iron workers not otherwise specified
  • Yacht broker
  • Yoga instructor (exluding other sports)
  • Zip fastener manufacturers
  • Zoology consultancy

About your Insurance

  1. Why do you need to know my annual turnover?
    We need to know your turnover to assess the size of your business. This can influence the premium and insurers or cover available.
  2. Does my business have to be VAT registered to be covered?
    No. We cater for independent businesses irrespective of their VAT status.
  3. Do I have to be trading for a number of years to get cover?
    Our range of insurance packages enables us to deliver the right solution for both start ups as well as established businesses.
  4. Will there be a lot of forms to complete?
    At Your Insurance we understand how valuable your time is and we have tailored our forms to require the minimum amount of information to provide you with a quotation. In certain circumstances or for particular types of insurance policy we may require you to complete a proposal form. In these instances however we will endeavour to provide you with any assistance required to make this as straight forward as possible.
  5. If I find a lower quote will you match it or better it?
    Your Insurance are able to negotiate rates with a panel of UK insurance underwriters so please contact us if you already have a quote with another business insurance provider and see if we can save you money on your commercial insurance policy.
  6. Will I be covered instantly?
    If you are able to provide us with all the necessary information and provide payment for your policy you will be instantly covered and full documentation will be dispatched immediately. You will not be covered if you have only obtained a quote from us.
  7. I work from home, do I still need an office insurance policy?
    Yes. You will need to cover you business equipment if this is not covered by you home insurance. You will also need to cover your liabilities resulting from your business activities (this is excluded from all home insurance policies).
  8. Do you offer retroactive cover on your policies?
    No.
  9. Can I spread payments throughout the year?
    Yes. We have an instalment service that is provided by Premium Credit on our behalf.
  10. What is IPT?
    Insurance Premium Tax is charged by HM Revenue and Customs. IPT is currently 12% for most general insurance policies, increasing to 20% for Personal Travel Insurance.
  11. How long is a quote valid for from Your Insurance Group?
    Your Insurance quotes are valid for 30 days. If you wish to proceed with a quote after these periods, we will need to provide you with a new quote.
  12. Do you offer a no claims discount?
    Some of our Insurers do reward claim free business by offering discounted premiums.
  13. Do all of your policies include legal expenses?
    Some of our policies do include legal cover and where it isn’t we have separate legal cover policies available.
  14. Will I be covered if I have to work outside the UK?
    This depends on the type of insurance policy you have. Please read your policy geographical limits or call us to confirm.
  15. Do your business insurance policies include terrorism cover?
    We can extend the cover to include cover against Terrorism if required. UK Insurers exclude Terrorism from the policy cover then buy it back from a specialist Terrorism reinsurance market on your behalf only if required.
  16. I have a previous claim, can you still cover me?
    Yes, normally we can find an insurance market for most clients. We will assess all of your details including the type of claim, how much, when it happened, how long you have been trading and what steps you have been able to take to prevent the loss from occurring again.
  17. What is the excess on my insurance policy?
    This is shown on your Schedule of Insurance. Please call our Client Relations Team if you need help.
  18. How long does it take to receive policy documentation?
    Your Insurance endeavour to dispatch full policy documentation the same day you purchase your policy from us by email in PDF format. To read PDF documents you will need to download Acrobat Reader from the Adobe website. Policy documentation can also be sent by post on request.
  19. My business insurance isn't due now, can I get a quote later?
    Certainly. Simply complete our form to tell us your renewal date and we will contact you nearer the time.
  1. Can I increase the level of liability during the cover period?
    Yes. We will charge an additional premium for the balance of the policy period.
  2. Will I be refunded if I have to cancel my policy during the year?
    This depends on the policy you have. Certain policies do not include a refund of premium clause  because the premium is calculated to be earned by the insurer as soon as cover starts.
  3. I need a copy of my insurance certificate, is there a charge?
    We charge £10 for a duplicate certificate.
  4. My business has moved, who should I contact about this?
    If your business has changed locations, please contact YOUR insurance quoting your policy reference which is shown on your most recent Schedule of Insurance.
  1. How do I register a claim?
    Simply contact our Claims Advisors.
  2. What information will I need when making an insurance claim?
    Your will need to inform us of: who you are, your policy number, what has happened, when, estimated loss amount and what steps you have taken so far. You will be given advice about the next steps to be taken.
  3. If I make a claim, will you send someone to assess the damage?
    This will depend on what has happened. Our Insurers always look to provide a pragmatic solution. We aim to help you as much as possible when you need to claim, after all that is why you pay for insurance.
  4. Who can I contact if I disagree with the settlement of a claim?
    The complaint procedure is set out in all of our Insurance Policies.