Small & Medium Business Insurance

Build your business with insurance that works hard for you

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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.

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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?

We do apply a No Claims Bonus to our home insurance policies. This is 1 year 15%, 2 years 20%, 3 years 25%. The amount of discount is noted on Home Insurance Statement of Facts. If you have any query about this please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.

Do I have Personal Legal Expenses cover?

If legal expenses cover is included on your policy it will be shown on your policy schedule. Alternatively please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.

Do you do Excess insurance?

We do not have any insurers available to us covering Excess insurance at this time

How will a claim affect my policy?

The effect of a claim varies depending on your claim history and if you have protection in place at the time of the claim. Please call one of our brokers on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday and we can advise you on your individual situation.

What is a No Claims Bonus?

A No Claims Bonus is a discount you get for being claim free for 1 to 6 years.

What is an excess?

An excess is the first amount of each claim that you must pay. We will deduct the amount of the Policy Excess from the settlement of your claim, or alternatively the appointed specialist or supplier will collect this amount from you on our behalf.

What is Public Liability cover?

This covers you and your family if a claim is made against you for causing damage to property belonging to a third party or a third party’s death, injury or illness. The limit of this cover being £5,000,000. Exclusions apply please see your policy wording for the full details of cover included. There is no additional charge for the standard level of cover and it cannot be excluded

Why do I have Employers liability cover?

We include Employer’s liability in all our policies to protect you and your family where you are responsible for an employee’s illness, injury or death. This includes cover for domestic employees such as a cleaner, driver or people employed by you under contract, for example a builder or plumber. There is no additional charge for the standard level of cover and it cannot be excluded

Why do I need Personal Legal Expenses cover?

This provides up to £50,000 cover for you in legal costs. This covers you and family members living at home in pursuit of claims for death or personal injury and any disputes arising from contracts for goods and services, selling of goods, the rightful occupation or ownership of your home and contracts of employment. The legal provider, DAS also provides a free 24-hour Legal Helpline.

Request a callback

Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.

Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday - Friday 08:30-16:30 T: (01481) 824 100
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 710 731
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 835 383

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney