BUSINESS INSURANCE • BURNLEY & BEYOND
From your people and premises to vehicles, advice and digital systems, explore business insurance with our Burnley-based team. We’ll help you talk through the cover that fits the way you work.
Every business has its own mix of risks. We start with your activities, people and plans, then explain how different covers can work together. Explore our services below, or talk to us about what you need.
Explore our business services
Liabilities insurance · Contractors insurance · Motor fleet insurance · Professional indemnity · Material damage insurance · Business interruption insurance · Cyber security insurance · Management liability insurance
People, products and everyday responsibilities.
Customers, visitors and the people who work with you all bring different responsibilities. We help you explore public, products and employers’ liability in relation to your activities, workforce and contracts. Tell us about work at customers’ premises, products you supply and any subcontractors you use.
Your activities, turnover, workforce and subcontracting arrangements, plus contract requirements and previous claims.
Protection built around your trade.
From a customer’s home to a busy building site, your cover should reflect the jobs you take on. We can discuss liability, tools, owned or hired-in plant and contract works. Explain any work at height, excavation, heat work or specialist activities so the insurance conversation starts with the full picture.
Trades undertaken, project values and duration, employees and subcontractors, equipment values and storage arrangements.
Keep your business moving.
Cars, vans and other business vehicles can be considered together when exploring fleet cover. We look at who drives them, what they carry and how they are used. Available arrangements depend on the insurer’s criteria, so tell us about your full vehicle list and any planned additions.
Vehicle registrations and values, ownership or lease details, driver information, business use and claims history.
Cover for the expertise clients rely on.
If you provide advice, designs or professional services, a client may allege that a mistake in your work caused financial loss. Professional indemnity can help with insured claims, including relevant defence costs and compensation. We discuss the services you provide, client expectations and contractual insurance requirements.
All services provided, client sectors, turnover split, contract requirements, existing insurance and any known complaints.
Protect the assets behind your business.
Your premises, machinery, equipment and stock help keep your business running. Material damage insurance addresses insured physical loss or damage to the assets covered by your policy. We help you discuss what you own, lease or hold for others, where it is kept and how its value has been assessed.
Premises and security details, ownership or lease responsibilities, asset values, seasonal stock changes and claims history.
Think beyond repairs to recovery.
Repairing premises or replacing equipment may only be part of getting back to normal. Business interruption insurance can address selected financial losses following an insured event. We discuss your income, ongoing costs and the time needed to restore trading, alongside the property cover and policy triggers involved.
Accounts and forecasts, key suppliers, machinery replacement times, recovery plans and your current property insurance.
Support when a digital incident disrupts business.
Email, customer data and connected systems are part of everyday working life. Cyber insurance can help with selected costs and liabilities after an insured incident, from specialist response to recovery. We discuss your technology, the information you hold and your security arrangements before exploring available cover.
Data held, IT suppliers, access controls, multi-factor authentication, backups, staff training and previous incidents.
Protection for decisions and responsibilities.
Running a company brings responsibilities to employees, shareholders and others. Management liability can address selected allegations linked to the way an organisation is managed. We discuss your company structure, the people involved and the available sections, including protection for individual directors and the organisation itself.
Company ownership and structure, directors, employee numbers, financial information, planned changes and any known disputes.
If you own and let commercial buildings or other rental property, explore our Property Owners Insurance service. We can discuss your buildings, tenants and rental activities alongside your wider business needs.
Yes. Have your current schedules ready, along with changes to turnover, activities, staffing, vehicles or premises. We can discuss your present needs and the information required for a review.
Not necessarily. Cover depends on your business and the insurer’s terms. We’ll help you understand how the proposed sections or policies fit together.
Send us the insurance requirements from the contract before work starts. We can discuss them with you; any legal interpretation of the contract should be taken with your legal adviser.