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Specialist Commercial Insurance
Commercial insurance built around real business risk.
Specialist cover for UK businesses operating in complex, higher-risk and regulated sectors.
FCA-authorised broker
UK-based support
Specialist commercial cover
FCA-Authorised Broker
Regulated commercial insurance broker support.
UK-Based Experts
Real people you can speak to when you need to.
Specialist Sectors
Cover shaped around complex and regulated risk.
Tailored Advice
Guidance built around your operation, not a template.
Responsive Personal Service
Direct broker contact for renewals and amendments.
Access to Leading Insurers
We place cover with strong insurer partners.
Working with leading insurers
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- CHUBB
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- AXA
Industries We Cover
Specialist insurance for a wide range of UK industries
Find cover built around the way your business operates, with specialist guidance for sectors that need more than a standard off-the-shelf policy.
Precision & Manufacturing
Insurance for precision engineering, niche manufacturing and advanced production businesses dealing with plant, tolerances, liability and interruption exposure.
- Precision engineering insurance
- Metal & engineering manufacturing
- Industrial equipment manufacturing
Property
Insurance for commercial property owners, portfolios and premises-led businesses with higher buildings and interruption exposure.
Explore property cover
Trades
Insurance for trades and contracting businesses where liability, tools, vehicles and contract works shape the placement.
Explore trades cover
Leisure
Specialist leisure pages for businesses where public footfall, active premises and guest liability drive the cover discussion.
Explore nightclub cover
Logistics & Freight
Insurance for freight-led businesses where cargo, transport dependency, warehousing and liability need sharper treatment.
Explore logistics cover
Retail & Shops
Insurance for shops and multi-site retail operations where stock, premises, cyber and liability exposures overlap.
Explore retail coverNeed help finding the right cover?
Speak to a specialist broker if you are unsure which policy, industry page or level of cover best fits your business.
Insurance Products
Core business insurance covers many companies need
These are some of the most common covers UK businesses review when arranging or updating their insurance.
Public Liability
For injury or third-party damage claims arising from your premises, work, services or public access.
View public liabilityEmployers' Liability
For employee injury or illness exposure across factories, sites, warehouses, venues and business premises.
View employers' liabilityProfessional Indemnity
For advice-led businesses and operations where service mistakes, negligence allegations or client disputes matter.
View professional indemnityCommercial Combined
For businesses that need property, liability and interruption discussed together rather than as isolated policy sections.
View commercial combined
How It Works
A simple, broker-led process
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Review your risks
We work through the risks that actually matter for how you trade.
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Receive tailored cover guidance
Clear recommendations across suitable insurer options.
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Ongoing broker and renewal support
Policy reviews, amendments and renewals as your business evolves.
Modern & Human
Modern insurance. Human expertise.
We combine specialist broker knowledge with a simpler digital experience - clear quotes, straightforward policy documents, and someone at the other end of the phone who understands your business.
- Streamlined quote and renewal journeys
- Digital policy documents
- Direct access to specialist brokers
- Ongoing reviews as the business evolves
Explore More
Business insurance pages you may want to explore next
Browse these pages for more information on specific covers, industries and commercial insurance needs.
- Business insurance
- Commercial property insurance
- Manufacturing insurance
- Freight insurance
- Shops insurance
- Sports facility insurance
- Gym insurance
- Caravan park insurance
- Care home insurance
- Care home insurance cost guide
- CQC and care home insurance
- UK care home insurance report
- Domiciliary care insurance
- Domiciliary care insurance cost guide
- UK domiciliary care insurance report
- Nightclub insurance
- Professional indemnity insurance
- Public liability insurance
- Employers' liability insurance
- Commercial combined insurance
- Cyber insurance
- Goods in transit insurance
- Tradesman insurance
- Commercial vehicle insurance
Not sure what cover your business needs?
Speak to Insure24 and we can help you find the right policy, industry page or next step for your business.
FAQs
Commercial insurance FAQs
Quick answers to common questions about business and commercial insurance.
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What is commercial insurance?
Commercial insurance covers businesses against risks such as property damage, liability claims, employee injuries, and financial loss. Policies can be tailored depending on your industry, size, and specific risks.
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What types of business insurance do I need in the UK?
Most UK businesses require:
- Employers' Liability, legally required if you have staff.
- Public Liability.
- Professional Indemnity for advice-based businesses.
- Property or Contents Insurance.
The exact cover depends on your industry.
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Is Employers' Liability insurance legally required?
Yes. If you employ staff in the UK, Employers' Liability insurance is a legal requirement and must provide at least £5 million of cover.
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How much does business insurance cost?
The cost depends on:
- Your industry.
- Turnover.
- Number of employees.
- Claims history.
- Level of cover required.
Higher-risk industries such as manufacturing, construction, or leisure venues typically pay more.
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Can I get business insurance online quickly?
Yes. Many policies can be quoted quickly, but specialist or higher-risk businesses may require manual underwriting to ensure the correct cover is arranged.
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Do you offer insurance for specific industries?
Yes. We specialise in industry-specific insurance, including:
- Manufacturing businesses.
- Caravan parks.
- Nightclubs and leisure venues.
- Freight and logistics companies.
Each industry has unique risks, so cover is tailored accordingly.
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What is the difference between public liability and professional indemnity?
Public liability covers injury or property damage to third parties, while professional indemnity covers financial loss caused by advice, design, or professional services.
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Can you insure high-risk businesses?
Yes. We regularly arrange cover for higher-risk businesses such as:
- Nightclubs.
- Manufacturing companies.
- Logistics and freight operations.
- Leisure and hospitality venues.
These businesses require specialist underwriting rather than standard policies.
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How quickly can I get a quote?
In many cases, we can provide quotes within 24 hours. More complex risks may take longer depending on the level of underwriting required.
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Why use a specialist insurance broker instead of buying direct?
A specialist broker ensures:
- The correct cover is arranged.
- Gaps in insurance are avoided.
- Complex risks are properly assessed.
This is especially important for niche or higher-risk businesses.
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What information do I need to get a quote?
Typically we need:
- Business activity.
- Turnover.
- Number of employees.
- Claims history.
- Details of premises or operations.
More complex businesses may require additional information.
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Can you help if I already have insurance?
Yes. We can review your existing policy to:
- Identify gaps.
- Improve cover.
- Compare pricing.
Popular Routes
Core commercial insurance pages to explore next
These core routes help visitors move from the homepage into the most relevant commercial, property, freight and specialist-risk hubs without dropping into a generic blog feed.
Business insurance
Start here for the broader commercial insurance view before narrowing into a specific industry, liability line or specialist cover section.
Open business insurance
Commercial combined insurance
Useful when property, liability, interruption and business operations need to be reviewed together rather than as isolated policies.
Open commercial combined
Freight insurance
Best for cargo movement, haulage, courier, warehouse and transport-liability enquiries that need a specialist logistics route.
Open freight insurance
Manufacturing insurance
Use this route for factory, plant, stock, product liability, interruption and sector-specific manufacturing risks.
Open manufacturing insurance
Property insurance
Useful when ownership, buildings, landlord, commercial property or premises-led exposures are the main focus.
Open property insurance
Cyber insurance
Relevant when data, payment systems, digital operations or business interruption from cyber events are shaping the cover discussion.
Open cyber insuranceReady to move from research into a live insurance conversation?
Use the niche pages above, request a quote, or call directly if you want a specialist commercial insurance broker to help frame the right cover discussion now.