Business Insurance

WE GUARANTEE TO BEAT YOUR CURRENT BUSINESS INSURANCE

We understand when running a small business, it's crucial to keep your overheads in check and there aren't always enough hours in the day to compare numerous quotes… so we've got a great deal that saves you money and means you don't have to shop around.  If your business has been claims-free for three years or over and you're on our long list of small businesses then we guarantee to reduce your current commercial insurance.  Call for a fast, free, no obligation quote today on 01473 220700. 

ADDITIONAL FEATURES
As well as a great price, our business insurance also includes the following benefits: 
  • Legal Expenses Cover - up to £100k limit including contract and tenancy disputes
  • Free legal advice and employee stress counselling hotlines
  • Online safety training - including office safety
  • Access to online tools to construct compliant Health and Safety policies and employment documentation
  • Business Law - a vast library of documents to help every business comply with Employment Law and Health and Safety legislation

Exclusions and limitations will apply.  You can get full details about what’s covered and what’s not, including any limits that apply, when you get a quote. All offers are subject to underwriting criteria including but not limited to minimum levels of security, and no non-motoring convictions or bankruptcies.

NOT ON THE LIST? WE'VE STILL GOT YOU COVERED

Don't worry if your trade isn't on the list, or you haven't been claims free for three years, our expert advisers can still provide great value insurance that's just right for your business. As independent brokers with years of experience providing cover for small businesses, we work with a panel of leading insurers to find you the cover you need and the features you want.  And all at premiums that make sound business sense.  

To qualify for a guaranteed discount off your current commercial insurance you must be on our long list of small businesses. Click here to view the full list.

Don't worry if your business isn't on this list, at N&P we also arrange comprehensive cover for a wide range of small to medium sized businesses. 

TYPES OF BUSINESS INSURANCE WE ARRANGE:
BUILDINGS, CONTENTS, STOCK & MONEY
  • Protection for any business buildings or premises. 
  • Cover provided against everything from lightning strikes to arson. 
  • We provide building, rent and liability cover for landlords.
BUSINESS INTERRUPTION
  • Cover provided against lost profits or increased costs caused by fire, storm, and other kinds of damage.
B&BS & GUEST HOUSES
  • An ordinary domestic policy won't cover against all the potential liabilities found in a B&B or a guest house - The specifically designed B&B policy does.
COMMERCIAL LEGAL EXPENSES
  • Cover for legal and accountancy costs.
  • Insurance against employment disputes.
  • Protection for you over contract disputes.
  • Cover for PAYE and VAT disputes.
COMMERCIAL VEHICLES
  • Cover for multiple drivers.
  • Cover is provided for personal use.
  • The fleet policies are highly competitive.
CONTRACTORS
  • Public Liability Insurance is offered as standard.
  • Cover provided for building construction.
  • You can insure plant ownership and plant hiring.
  • Insurance for your employees' tools.
DIRECTORS & OFFICERS
  • Cover provided for employment procedures.
  • Insurance provided against health and safety issues. 
  • You are covered against the cost of defending lawsuits and any compensation awarded.
EMPLOYERS' LIABILITY
  • Protect your business against the cost of compensation claims from employees. 
  • The insurance can cover any temporary employees you may take on.
ENGINEERING
  • Specialist insurance provided for machinery and computers.
  • Cover is offered for regularly inspected equipment such as boilers and lifting equipment.
FARM INSURANCE
  • Specialist insurance is arranged for arable, cattle and mixed farms. 
  • Coverage provided for buildings, growing crops, loss of profit, tractors, farm implements and your business liability.
GOODS IN TRANSIT
  • The insurance covers goods or stock against damage while being transported, whether by your vehicles, or those of a haulier.
HOTELS & PUBLIC HOUSES
  • Protection offered against loss of income.
  • You are covered for staff and guest injuries.
WORKING FROM HOME
  • You are covered for the full value of your business equipment and any public liability you may have.
MOTOR TRADE
  • The vehicles you drive are insured.
  • You are are also covered for the vehicles in your care.
  • Liability cover for the repairs and services you provide is arranged.
OFFICES/ SHOPS/ RESTAURANTS
  • You are protected against loss of income.
  • Cover provided for staff and guest injuries.
  • Specialist buildings and premises cover is also offered. 
  • You are insured against everything from lightning strikes to arson. 
  • Tailored public liability cover can also be provided.
  • We cover all types of shops - Florists, Butchers, Card & Gifts shops plus many more.
PRODUCT LIABILITY
  • Insure your business against claims of damage or injury due to any defect in what you produce.
  • You are covered for exported products.
PROFESSIONAL INDEMNITY
  • Cover is provided against compensation and legal costs if a client sues for wrong or negligent advice.
PROPERTY
  • Your buildings, your stock, machinery and other contents are all fully covered.
  • Insurance can also be offered for finished goods and work in progress.
PROPERTY OWNERS
  • You are insured for your buildings, loss of rent due to damage, and your ownership liability.
PUBLIC LIABILITY
  • You can protect yourself from the cost of damages and legal costs incurred should your business injure members of the public or damage their property.
  • You are covered for the work of any sub-contractors you employ.