Business insurance for SMEs, built around how you actually work.
Protect your premises, stock, staff and vehicles with cover placed through licensed insurers. We start by understanding your business, then recommend what fits.
Cover for every part of your business
Pick what you need, or let us put together a package. Exact cover depends on each insurer’s policy wording.
Fire and perils
Buildings, fittings and equipment.
Burglary and theft
Stock and contents stolen after forced entry.
Public liability
Injury or damage to customers and the public.
Professional indemnity
Claims arising from your professional advice.
WIBA
Work injury cover for employees.
Learn more →Group life and Group PA
Life and accident benefits for your team.
Fleet
Several vehicles on one policy.
Learn more → GOODSGoods-in-transit
Goods while they’re being moved.
Learn more →How we work with businesses
1. Understand your risks
A conversation, and a site visit where it helps, to see what could go wrong.
2. Recommend the right cover
Only what you need, explained in plain language.
3. Support through the year
Adding staff or vehicles, renewals and claims.
Keep cash in the business. Spread your premium.
Pay in full, in two payments (50:50) or three (40:30:30), or spread it over 10 months with premium financing powered by Invictus.
Business insurance questions
Can I put several covers on one policy?
Many insurers offer combined SME packages. We show you whether a package or separate policies works better for your business.
Do I need WIBA cover for my employees?
Section 7 of the Work Injury Benefits Act requires every employer to obtain and maintain an insurance policy, with an approved insurer, for its liability to employees under the Act.
Can you insure specialist or unusual risks?
Yes, tell us what you need to protect and we will look for suitable cover through licensed insurers.
How do I add new staff or vehicles mid-year?
Tell us as soon as they join. We update the insurer, and your premium may be adjusted.