What do we do?
Whether you are a manufacturer, retailer, wholesaler, caterer, shop owner, motor trader, tradesman, medical, engineering business or leisure business – such as a marina, gym, yacht club, café owner, B&B or hotel – we can find you appropriate insurance. It’s all about what you need.
As construction leads our economic recovery, we have construction insurance policies available to suit the new ways of handling projects on-site and not just the longstanding popular Contractors All-Risks insurance policies for which we can also quote.
Arts and Crafts
Ceramic cafés, paint a pot studios & art & craft industries including clay crafts and pottery are also a specialism of ours whether in business premises or working from home with no restriction on the use of a kiln. We can provide cover for demonstrations away from the premises such as stalls at events, school visits, lectures, presentations, and even party plan which doesn’t exclude unaccompanied children on the premises. We understand your kind of business and provide the appropriate cover at a very good price.
Commercial and Package Combined
There are some business insurance policies frequently required by many different types of UK businesses, so the most common are offered as a commercial combined or package combined insurance policy, for which we can quote. This includes everything from shops and retailers, offices and surgeries, hairdressers to ceramic and pottery craft cafes on the high street or manufacturing, wholesale or precision engineers on industrial estates or business parks, we can do it all.
Liabilities
Sunshine does not fall consistently into our business lives and you could find yourself held liable for a situation, taken to court by an employee, business or member of the public, or prosecuted under the health and safety laws.
Employers' Liability
The law states that you must buy employers’ liability insurance and have a minimum cover of £5m, if you have at least one employee – something we can quickly help you with.
Public Liability
Whilst it is not a legal requirement, public liability insurance also makes great sense, whether that is for a £5m, £10m, £20m or higher limit. We can quote for such liability insurance – appreciated by tradespeople and everyone from yoga teachers to Amazon sellers, not to mention scaffolders, chefs, engineers and driving instructors! The diversity of our public liability insurance clients’ sectors, proves just how many businesses require this cover.
Product Liability
Where there are products, there are recalls and product liability legal cases – making product liability insurance advisable, if recalls or actions would affect your balance sheet.
