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Commercial Insurance
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Commercial Insurance to protect your Business
We offer a range of Business Insurances to protect your key assets and reduce your business risk.
As a business owner, you’ll be aware of the risks your business can face. By working with many of the UK’s leading business insurers, we can offer you a range of business insurances to help you feel confident to manage those risks.
Business Insurance
Our Business Insurances can cover a wide range of situations. We offer:
- Business Property Insurance for owned or rented premises
- Employers’ Liability & Public Liability
- Individual Tradesman Liability
- Commercial Property Owners Insurance
- Landlords Insurance Commercial/Residential
Business Property Insurance (Owned Premises)
Cover all your commercial properties in one policy:
Commercial property owners’ liability insurance provides protection for claims made against you in respect of damage to third-party property or injury to third-party persons, as a result of negligence relating to the property you are responsible for
Loss of rent insurance for commercial properties if uninhabitable while repairs are carried out.
Commercial fire and theft insurance for properties provides protection against fire, electrical fire, arson and break-ins.
Employers Liability Insurance
In the UK it is a legal requirement to have Employers’ Liability Insurance if you have any staff. This cover protects them from loss or injury while carrying out work for you. If you have any full or part time staff, volunteers, interns, contracted or freelance workers, it’s your responsibility to have the correct cover in place.
Cover for up to £10 million for Employers’ Liability claims.
Business Insurance packages.
Employers’ Liability is typically bought along with your Public Liability Insurance. For high street shops, restaurants and offices, Employers’ Liability cover will be included within the basic cover section under a package policy. We specialise in a range of Business Insurances and can tailor you a policy to include Public, Products and Employers’ Liability as well as Business Insurance protection for your assets and property.
Public Liability Insurance
If you interact with the public daily or your business activities are performed in a public area, you’ll need Public Liability Insurance.
We provide cover for a range of business types including tradesmen, shops, mobile businesses, health and beauty professionals, those who work with animals, delivery and removals – and many more. Tell us all about your business and we’ll do our best to find you suitable cover.
Benefits of Commercial Insurance cover from Patons
- Cover for a range of different business types
- Business Insurance packages – Employers’ Liability & Public Liability
- Cover for up to £10 million for claims under Employers’ Liability.
- Make life easier and cover all your commercial properties in one policy
- Tailored bespoke Risk Management advice
- Expert individual service from experienced staff
- Deal face-to-face or over the phone
- Secure access to documents online through our App
FlexibleMonthly payments
ExpertIndividual service
24/7Claims assistance
TailoredRisk assessment advice
Frequently Asked Questions about Commercial Insurance
What is Public Liability Insurance?
It provides protection for your business if a third party is injured, or their property is damaged due to your fault while at your business premises or when you are working in their home, office or business property. Damage to property being worked upon is normally excluded.
Do I need Public Liability Insurance?
Each business is different, but for many, Public Liability Insurance is essential as accidents can happen causing injury to members of the public or damage to their property. For smaller businesses who work on smaller projects or with less interaction with the public will often choose lower maximum indemnity limits. We can tailor indemnity limits to meet your needs: popular cover ranges are from £1m to £10m with higher amounts available.
Do I need Employers' Liability Insurance?
Within the UK it is a legal requirement to have Employers' Liability Insurance if you have any staff. This cover protects them from loss or injury while carrying out work for you. If you have any full or part time staff, volunteers, interns, contracted or freelance workers, it’s your responsibility to have the correct cover in place.
What does Employers' Liability Insurance cost?
Premiums are either based on a per capita basis or estimated annual wages/salaries. We cover employees who work from their own premises or on your customers' premises or whilst temporarily abroad for non-manual sales visits. Manual work abroad can be considered on application. In fact, as a specialist commercial insurance broker we can find you cover for literally thousands of professions and business models.
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