- Designed to suit the needs of the self-employed, sole traders, small traders and home workers
A competitive package of covers with generous and flexible limits designed to meet the needs of most sole or small traders.
- Public and products liability cover of £1m with an option to increase to £5m
- Legal defence costs up to £250,000 for alleged breach of Health and Safety Act or Consumer Protection Act
And A Range of Flexible Options
- Employers’ liability up to £10m limit of liability
- Tools up to £5,000 per person with an option for theft from vehicle overnight
- Contract works up to £500,000 sum insured
- Own plant up to £25,000 sum insured
- Hired-in plant up to £50,000 sum insured
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Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.
- Hair and Beauty
- Professional consultancy and catering
- Cake Makers
Positive risk features
Factors we will take into account to make our sweet spots even more competitive.
- Negligible or low food risks
- Low claims frequency
- Length of time in the business
Risks we would never write, or write only rarely forming a small part of a wider portfolio.
- Individual risks with more than 8 employees
- Policyholders with business premises
- Working at height more than 15m or depth>3m
- Contract works greater than £500,000
EXPRESS CLAIMS HANDLING
We express handle suitable commercial property claims worth up to £2,500. This means that we aim to conclude settlement within 24 hours* by collecting important information to validate the policy cover at first notification, and making payment by your customers' preferred methods.
*core working hours are Monday to Friday, 9am to 5pm