We arrange a wide range of commercial insurance policies for businesses of every size. Every business has its own risks and specific needs, so we start by understanding yours before we approach any insurers.
Premises and property
Commercial building insurance covers the structure of premises you own or are responsible for insuring. If you let out commercial or residential buildings, our property owners insurance is built for landlords. Commercial combined insurance can bring buildings, contents, stock and liability together under a single policy.
Liability and professional risks
Employers’ liability insurance is a legal requirement for almost every business that employs staff. Public liability covers claims from customers and members of the public, while professional indemnity protects you if a client says your advice or work caused them a financial loss. We also arrange directors and officers insurance for company directors.
Cyber insurance
A cyber attack or data breach can stop a business trading and expose it to claims from customers whose data was affected. Depending on the policy, cyber insurance can cover the cost of restoring your systems, responding to a breach and the income you lose while you recover.
Vans, fleets and goods in transit
If your business relies on vehicles, we arrange commercial vehicle insurance for individual vans and fleet insurance once you have several vehicles on the road. Fleet cover puts every vehicle on one policy with one renewal date. For businesses moving goods, we also arrange transportation, marine and cargo insurance.
Shops, care homes, trades and construction
Our retail insurance covers shops, offices and surgeries. We also arrange cover for care homes and specialist insurance for manufacturing and construction businesses, including tradespeople and contractors.
Personal insurance for Southport homes and families
Your home is probably your largest asset, and it’s easy to be underinsured without realising it. We help you set sums insured based on realistic rebuild and replacement costs, then explain what your home insurance does and doesn’t cover.
If your property or possessions are worth more than a standard policy allows for, our high net worth insurance is designed for larger homes and more valuable contents.
We also arrange car insurance and travel insurance for individuals and families. Plenty of Southport’s Victorian houses have been converted into flats, and if you let one out, you’ll need landlord’s insurance rather than a standard home policy.
What happens once your cover is in place?
Once your policy is arranged, we keep a register of your insurances, manage your renewals and review your cover when your circumstances change.
If you need to make a claim, contact us first. We’ll help you through the process and deal with the insurer on your behalf.
Do I need to visit the Southport office?
No, plenty of our clients deal with us entirely by phone and email. If you’d prefer to meet in person, get in touch first, and we’ll make sure the right person is at the office to see you – or we’ll arrange to come to you.
Do you only work with clients in Southport?
No, our head office is at Millbrook Business Park in Rainford, near St Helens, and we look after clients across Merseyside and throughout the UK.
Speak to our Southport team
Get in touch or call 01704 565900. We’ll talk through what you need, look at the cover you already have and tell you honestly whether we can improve on it.
