By industry
Insurance for SMEs
The exposures that matter in this sector, and the cover that responds to them.
A small business does not need ten policies. It needs the three or four that stop a single event from ending the company, bought at a price that fits the cash flow.
The risks in this sector
- Property and burglary on premises, stock and equipment
- Public and product liability, especially where clients demand it
- Cyber cover if you hold customer data or take payments online
- Group medical and accident cover, even for a small team
- Marine transit if goods move
- Key person life cover where the business depends on one or two people
Cover we usually recommend
Cyber Insurance
Cover for the cost of a breach, a ransomware event and the downtime that follows.
Learn moreProperty Insurance
Fire, special perils and the trading income you lose while you rebuild.
Learn moreLiability Insurance
When a third party claims your business caused their loss.
Learn moreMarine Insurance
Goods in transit, by sea, air, road or rail - domestic and export.
Learn moreGroup Health Insurance
Group mediclaim for employees, and the family members they support.
Learn moreReviewing cover for your smes and startups business?
Send your current schedules. We will map them against the exposures above and show you the gaps.