Retail, Office, Caterers or Surgery Quote

Retail / Office / Caterers / Surgery Package Quote

Quote Request for Commercial Package Insurance

Please fill in the details below, we will get back to you with your quote as soon as possible.

Get a Quote

Quotations are only available for Channel Island Residents

Your Details

About Your Business

Cover Required

This protects your business against the cost of settling or defending a claim of bodily injury or property damage from a client or member of the public.
Why should I consider this cover?
  • you visit or carry out work at your clients' homes or offices
  • you have visitors to your place of work
  • you want to work with clients who require public liability cover in their contracts
This is compulsory for businesses with employees. It protects against the cost of settling or defending an employee claim of accidental injury or disease because of the work they do for you. The limit of cover is £10,000,000.
Why should I consider this cover?
  • you employ other people, even on a part-time or short-term basis
  • you use subcontractors, self-employed or voluntary workers
  • you want to avoid being liable for fines of £2,500 for every day you're not properly insured
This includes the cost of demolition, site clearance, architects & planning application fees.
This protects you in the event of suspension or withdrawl of, or refusal to renew, your license by the licensing justices or other licensing authority.
This protects your business against the cost of replacing or repairing your business equipment if it is lost or damaged when away from the premises.
Why should I consider this cover?
  • you take laptops, cameras or other equipment outside your place of work
  • you provide employees with equipment that could be lost, stolen or damaged
  • you want to ensure your equipment is covered wherever you are working
Why should I consider this cover?
  • you are vital to the running of your business
  • you want to take steps to protect your business income
  • you are concerned about the cost of retraining or replacing an injured employee
This protects and supports your business if it experiences a data breach or is the subject of an attack by a malicious hacker that affects its computer systems.
Why should I consider this cover?
  • you hold sensitive customer data, such as banking information
  • you are reliant on computer systems to run your business
  • you have a business website
Why should I consider this cover?
To comply with Health and Safety Codes of Practice in the Channel Islands, it is a statutory requirement on users and owners of pressure systems (eg steam operated coffee machines) to arrange a written scheme of examination provided by an engineering inspection policy with a specialist insurer.

General Questions

Please provide details of each claim or incident, click the button below to add further claims.
Your quote will be based on the following assumptions about the your business. Please tick the box to confirm that you have read the assumptions and that your business does satisfy these assumptions.
  • If buildings cover was requested: The property is in a good state of repair and will be maintained as such and there has not been any previous subsidence, land heave or flooding at the property.

The business and any owner, director or partner in the business (whether under a current or previous trading name or interest)
  • have never been refused insurance, had a policy cancelled or renewal refused or had special terms or exclusions applied.
  • have no pending prosecutions, current investigations or convictions for criminal offences including fraud, robbery, theft or the handling of stolen goods.
  • have no pending prosecutions, current investigations or convictions for breaches of Health & Safety, Data Protection, Employment or Discrimination legislation.
  • have never been declared bankrupt, had any court judgements made against them or made arrangements with creditors.
Please note that non-disclosure can render your policy invalid.
If you and your business does not meet all of the assumptions, it may still be possible to quote for you but you should provide more information in the box below or contact us either by telephone or in person instead.