Our Small & Medium Business Insurance Products
We offer a wide range of small and medium business insurance policies, so we’ve got you covered no matter what your business is.
Why insurance matters for small and medium sized businesses
If you own or operate a small or medium sized business across the Channel Islands, Islands will ensure you have the appropriate insurance cover in place to suit your business needs. Not only will an insurance policy protect your business in the unfortunate event that something goes wrong, it will also give your customers peace of mind and reinforce your trusted reputation within your business sector.
Not having the appropriate insurance can interfere with your participation in relevant industry events, such as trade shows and job fairs, when you move your growing business into its first commercial lease, when a customer wants the reassurance of proof of insurance, and especially when you’re looking at recruiting and you want your trusted reputation to carry over into protection for your employees.
At Islands, our professional team are here to help give you the protection you need so give us a call today and get coverage for your business needs.
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
FAQs
Have a question about your small or medium business insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Do I have a No Claims Bonus?
A No Claims Bonus is a discount on your insurance for each year you don’t make a claim. The more consecutive claim-free years you have, the bigger the discount.
Do I have Family Legal Expenses cover?
Family Legal Expenses cover may be included in your home insurance or added as an optional extra.
If you’re unsure, call us to check your policy, visit https://www.islands.insure/contact-us/ to get in touch.
Do you sell standalone excess protection insurance?
No, excess protection insurance is not available through our insurers at this time.
How will a claim affect my policy?
A claim’s impact on your policy depends on your claim history and whether you have protection in place at the time of the claim.
To understand how it affects you, get in touch one of our brokers, visit https://www.islands.insure/contact-us/
What is a No Claims Bonus?
A No Claims Bonus is a discount on your insurance for each year you don’t make a claim. The more consecutive claim-free years you have, the bigger the discount.
What is Public Liability cover?
Public Liability cover protects you if you are held responsible for injury to a person or damage to property as the owner or occupier of your home.
Example: If a roof tile falls from your home and injures a visitor, your home insurance may cover the claim.
Why do I have Employers liability cover?
If your home insurance includes Employer’s Liability cover, it protects you if an employee suffers illness, injury, or death while working for you.
This applies to domestic workers, such as:
- Cleaners
- Drivers
- Anyone employed under a contract.
Check your policy wording for details or contact us if you need more information.
Why do I need Family Legal Expenses cover?
Family Legal Expenses cover (ARAG Family Legal Protection) can help with legal costs for certain disputes. It may be included in your policy or available as an optional add-on to your home insurance. For more details, check your policy wording.
