Commercial coverage
Commercial insurance built around how you actually run.
Trades, farms, retail and fleets. Liability, property, business interruption and equipment, arranged around the way the business really works.
What we place
Everything the business runs on.
Small business
One package, sized to the business.
See coverageBusiness liability
The coverage clients ask you to prove.
See coverageFarm insurance
A working farm is a home and a business at once.
See coverageRetail insurance
Stock, the space, and the people in it.
See coverageTransportation and fleet
Trucks, trailers and what is on them.
See coverageCyber security
The claim that arrives by email.
See coverageWhat it costs
What actually moves the price.
Commercial premiums follow exposure rather than size. Two businesses with identical revenue can price very differently if what they do differs.
What you actually do
The work itself, not the industry code. Working at heights or in clients’ homes changes the picture entirely.
Revenue and payroll
The usual basis for liability rating, because both track how much activity there is to go wrong.
Limits your contracts demand
Most pricing conversations start here. We read the requirement rather than guessing at it.
Property and equipment values
What sits on the premises, in the vehicles, and out on site.
Common questions
Asked most about commercial.
What limit do I need?
Usually whatever your contracts demand, and often two million. We read the requirement rather than guessing at it.
Do I need coverage if I work from home?
Almost certainly. A home policy excludes business activity, so stock, equipment and client visits sit outside it.
Can you cover subcontractors?
We can cover your liability for them, and we will tell you where you need to be collecting certificates from them instead.
Let us see what you should be paying.
Free, no obligation, and no one will call you fourteen times.