Property Owners Insurance
For people and firms that own or manage property
- Single buildings
- Landlords with one or more lets
- Mixed-use units
- Blocks of flats and associations
Why choose Islands for Business Insurance
Running a business is hard work. You might own a building, manage a team, use tools, give advice or operate vehicles each day. When something goes wrong, the right insurance helps you protect your income. It helps you look after your people and keep trading with less stress.
Independent broker
We work for you, not the insurers. We compare prices and cover from several providers. Then we explain the differences in clear, simple language. You can choose with confidence, without the insurance jargon.
Local expertise
Based in Jersey, Guernsey and Alderney, our teams work with island businesses every day. We know the local rules, island risks, and quirks that many mainland insurers may miss.
Cover built around your business
Every business is different, so we take time to learn about yours, from where you work to who works with you. We look at the buildings, tools and vehicles you rely on, and suggest cover that fits your needs.
What your business insurance can include
We have access to several insurers, so we can build a policy around how you work. Each insurer sets different limits and terms.
Core protection
Buildings cover
Covers damage to your building, fixtures and fittings.
Contents, stock, tools and equipment
Covers the things you use to trade or store on site.
Public and product liability
Cover if you, your team or your work accidentally injure a member of the public or damage their property.
Product liability applies when something you’ve made or supplied causes harm or damage.
Employers’ liability
If you employ people, this cover is required by law. It can also apply if you use labour-only subcontractors.
Business interruption
Helps cover lost income or extra costs if you have to stop or reduce trading after events like a fire or flood.
Loss of rent (for property owners and landlords)
Protects your rental income if your tenant cannot use the building after an insured event.
Money and glass cover
Ideal for shops, salons, cafés and pubs. Covers loss of money and damage to windows, where your policy includes it.
Goods in transit
Covers stock or goods while they are being moved by you, your employees or a courier.
Motor cover for business vehicles and fleets
Protects your business vehicles, from a few vans and cars to small or mixed fleets.
Optional extras
We help you decide what you really need and what you can skip. Options can include:
Higher limits for specific items or tools
Higher cover limits for key items or sets of tools that are worth more than standard policy limits.
Accidental damage extensions
Protection for accidental damage to insured property, where available.
Cyber, Directors’ & Officers’ (D&O)
Cover for certain cyber incidents and for claims made against directors and officers in connection with running the business, where available.
Professional indemnity
Protects you if a client claims they’ve lost money because of your professional advice, design or services.
Inspection and breakdown cover for machinery, lifting equipment or specialist plant
Cover for required inspections and certain sudden breakdowns of specified machinery and plant, where available.
Legal expenses cover
Support with certain legal costs, such as contract disputes, employment issues or debt recovery, where included.
Personal accident and business travel
Cover for accidental injury to key people and certain business travel risks, where included.
Some businesses, higher-risk activities or specialist covers may need additional insurer approval.
We’ll explain what’s available, what information is needed and how any limits or conditions work.
Find the cover that matches what you do
Pick the option that sounds most like your business. If you are not sure, just tell us what you do when you request a quote. We will help you choose the right type of cover.
Trade & Contractors Insurance
For people who work with tools and trades
- Plumbers and electricians
- Decorators and plasterers
- Gardeners and landscapers
- Handymen and small builders
- Domestic and small commercial cleaners
- Other manual trades
Professional Risk Insurance
For people and firms who give professional advice or services
- Consultants and agencies
- Accountants and bookkeepers
- Surveyors and architects
- Designers and other professional services
Farming & Agriculture Insurance
For farms and rural businesses
- Traditional farms and smallholdings
- Equestrian and livery yards
- Diversified rural businesses
Office & Surgery Insurance
For offices, practices and clinics
- Accountants and solicitors
- Architects and surveyors
- Vets, dentists and medical clinics
- Physios and other health practices
Salon & Shop Insurance
For customer-facing businesses with stock and visitors on site
- Shops and local retailers
- Hair and beauty salons
- Barbers and nail bars
Hotel & Restaurant Insurance
For hospitality and catering
- Hotels and B&Bs
- Cafés, pubs and restaurants
- Caterers and takeaway outlets
Motor Fleet Insurance
For businesses that run vehicles for work
- Small fleets
- Mixed fleets
- Vans and cars
- Some motor trade risks
Van Insurance
For businesses that use one or more vans for work
- Tradespeople using vans for tools and equipment
- Delivery, service or call-out businesses
- Sole traders with a single work van
- Vans used for business, commuting or mixed use
Commercial & Trader Boat Insurance
For commercial marine businesses and workboats, such as:
- Fishing boats, trawlers and crabbers
- Charter and passenger vessels
- Workboats, tugs and service craft
- Marine traders: boatyards, repairers, chandlers and brokers
- Operators running more than one vessel
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How it works
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Step 1 of 4
You tell us about your business What you do, where you operate, who works for you, and what you need to protect (property, people, responsibilities, vehicles, equipment).
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Step 2 of 4
We compare insurers We approach suitable insurers for quotes, then sense-check the cover so it matches your risk profile and how you trade, not just the cheapest premium.
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Step 3 of 4
You review your options We summarise the differences clearly: what’s included, what’s optional, and any key terms that may affect how the policy responds in practice.
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Step 4 of 4
We arrange your cover Once you choose an option, we set up the policy, confirm the details, and send your documents.
We’re here at renewal to review your cover as your business changes. Terms, conditions and exclusions apply.