Business Insurance

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Insurance tailored to suit your business needs.

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Business Insurance Across Wales & England

Based in Newport, Wales, Insure24 serves businesses throughout Wales and England with comprehensive commercial insurance solutions. Whether you're a small startup in Cardiff, an established manufacturer in Birmingham, or a growing service business in Manchester, we understand the unique risks facing businesses across Wales and England.


  • Local Expertise: Based in Newport, Wales, with deep understanding of Welsh and English business landscapes
  • Nationwide Coverage: Serving businesses across Wales and England
  • FCA Regulated: Authorized and regulated by the Financial Conduct Authority (Registration: 1008511)
  • Competitive Quotes: Access to leading insurers across the UK market
  • Expert Advice: Tailored insurance solutions for your specific business needs

Business Insurance - Buildings & Contents

Protect your business premises and contents with comprehensive coverage including:


  • Buildings Insurance: Coverage for fire, flood, storm damage, and structural repairs
  • Contents Insurance: Protection for equipment, stock, fixtures, and fittings
  • Gross Profit Cover: Financial protection if your business income is affected by insured events
  • Legal Expenses Protection: Coverage for legal costs and employment disputes

Whether you operate from a high street shop in Swansea or a warehouse in Leeds, our business insurance adapts to your specific premises and operations.

Professional Indemnity Insurance

Essential protection for service-based businesses across Wales and England:


  • Claims Against Clients: Protection when clients claim your advice or service caused financial loss
  • Subcontractor Claims: Coverage for work carried out by subcontractors on your behalf
  • Previous Work Cover: Protection for claims arising from past projects or advice

From consultants in Cardiff to architects in London, professional indemnity insurance is crucial for maintaining client trust and business reputation.

Comprehensive all-in-one coverage combining multiple insurance types:


  • Business Interruption: Income protection when your business operations are disrupted
  • Material Damage: Coverage for physical damage to your business property
  • Products Liability: Protection if your products cause injury or damage to third parties
  • Employers Liability: Mandatory coverage for employee injury or illness claims

Modern businesses across Wales and England face increasing cyber threats:


  • Breach Response Service: Expert support when data breaches occur
  • Liability Claims Management: Protection against third-party cyber liability claims
  • Business Interruption Support: Coverage for income loss due to cyber incidents

Specialized coverage for skilled trades across Wales and England:


  • Public & Employers Liability: Essential protection for working with clients and employees
  • Tools & Equipment Cover: Protection for your valuable trade tools and equipment
  • Professional Indemnity: Coverage for advice and workmanship claims
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I just bought an Insure24 business insurance policy, for my partner and me, and saved £205 a year! 

Dai Lewis , Director 

PROTECT YOURSELF


  • Public Liability
  • Financial Loss
  • Products Liability
  • 24/7 accident and claims helpline
  • Legal Expenses
  • Accidental Death
  • Business interruption insurance
  • Goods in transit insurance

BUSINESS INSURANCE FREQUENTLY ASKED QUESTIONS

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Who Needs Business Insurance?

If your organisation needs to insure against a range of risks and liabilities, this is an easy way to get a package of protection

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Can I Insure My Vehicles On A Business Policy?

Yes, you can insure your business vehicles on a policy. You can insure vans, trucks, business cars, and even plant equipment such as diggers and forklifts

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Click to close Why do I need Business insurance?

Business insurance can protect your property and business assets from loss or damage in the event of an insured loss. Whilst it is not a legal requirement, it’s certainly a prudent decision to arrange and gain financial protection. In many instances loss or damage cover is often a minimum requirement if you have arranged a commercial mortgage or lease equipment.
Business insurance is flexible and a policy can be tailored precisely for your business. If you employ staff you are legally required to arrange employers liability insurance which can be included alongside public and product liability insurance.

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Click to close What are the benefits of Business insurance rather than multiple policies?

One policy. One renewal date. One premium.
By bundling your cover together, you can create a flexible policy which can be more cost efficient than buying various insurances separately. You can amend the policy at any time to add or remove specific covers from your policy. Packaging your insurance under one policy with a single renewal date helps to manage your time efficiently.

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Can I get business insurance with bad credit or previous claims?

Yes, we work with specialist insurers who understand that past financial difficulties or claims don't necessarily reflect your current business risk. We'll assess your current situation and find suitable coverage options across our panel of insurers.

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What areas do you cover?

Based in Newport, Wales, we provide business insurance coverage throughout Wales and England. Our nationwide network of insurers ensures competitive quotes regardless of your location.

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How quickly can I get a quote?

Our online quote system provides instant indicative quotes, with detailed proposals typically available within 24 hours. For complex risks, our expert team will work with you to find the best solution.

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Do you offer payment plans?

Yes, we offer flexible payment options including monthly instalments to help manage your business cash flow. Payment terms vary by insurer and policy type.

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What counts as adverse credit when applying for business insurance?

Adverse credit includes CCJs (County Court Judgments), defaults, missed payments, debt management plans, IVAs (Individual Voluntary Arrangements), and bankruptcy. We work with insurers who understand that past financial difficulties don't define your current business risk.

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How far back do insurers look at credit history for business insurance?

Most insurers review credit history for the past 3-6 years, though some may consider longer periods for significant events like bankruptcy. The impact typically reduces over time, especially with evidence of improved financial management.

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Can I get business insurance if I'm currently in a debt management plan or IVA?

Yes, being in a debt management plan or IVA doesn't automatically prevent business insurance coverage. We'll work with specialist insurers who focus on your current business operations and ability to pay premiums rather than past financial arrangements.

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Will my business insurance be more expensive with bad credit?

Bad credit may influence pricing, but it's just one factor. Your business type, location, security measures, and risk management often have greater impact on premiums. We'll find the most competitive rates available for your situation.

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Do I need to tell my insurer if my credit situation improves during the policy term?

While not mandatory, informing your insurer of improved credit status at renewal could help reduce premiums. We can help you present positive changes to secure better rates.

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How do different types of claims affect my business insurance renewal?

Impact varies by claim type: weather-related claims are viewed more favorably than theft due to poor security. Liability claims may have more impact than property damage. We'll help you understand how your specific claims history affects your options.

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What if I've had multiple small claims versus one large claim?

Insurers view claim patterns differently. Multiple small claims might suggest ongoing risk management issues, while one large claim could be seen as an isolated incident. We'll present your claims history in the most favorable light.

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Can I get business insurance if I've been refused cover elsewhere due to claims?

Yes, being refused by one insurer doesn't mean all will decline. We work with specialist insurers who take different approaches to claims history. Each insurer has different risk appetites and assessment criteria.

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How long do claims affect my insurance premiums?

Claims typically impact premiums for 3-5 years, with the effect diminishing over time. Implementing risk management improvements can help demonstrate reduced risk to insurers.

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What if my previous claims were due to circumstances beyond my control?

Insurers do consider circumstances - claims from extreme weather, vandalism, or third-party actions are often viewed more favorably than those suggesting poor risk management. We'll help explain the context of your claims.

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What's the difference between spent and unspent convictions for insurance purposes?

Under the Rehabilitation of Offenders Act, spent convictions don't usually need declaring for insurance. However, some serious offenses never become spent. Unspent convictions must be declared, but we work with insurers who assess each case individually.

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How do motoring convictions affect my business insurance?

Motoring convictions can impact commercial vehicle insurance and may influence other business insurance if they suggest risk management issues. Minor speeding offenses have less impact than drink driving or dangerous driving convictions.

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What if I have convictions related to my previous business?

Business-related convictions require careful handling but don't automatically prevent coverage. Insurers assess the nature of the offense, time elapsed, and evidence of improved business practices. We'll help present your case positively.

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Do I need to declare convictions of business partners or key employees?

Yes, convictions of business partners, directors, or key employees may need declaring as they could affect business risk. We'll advise on disclosure requirements based on your specific business structure.

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How do financial crime convictions affect business insurance applications?

Financial crime convictions are taken seriously but don't automatically prevent coverage. Insurers consider the specific offense, sentence, time elapsed, and current business practices. We work with insurers who understand rehabilitation.

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What happens if I don't declare adverse credit, claims, or convictions?

Non-disclosure can void your entire policy, leaving you without protection when you need it most. It's always better to be honest - we'll find insurers who can work with your situation rather than risk policy invalidation.

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Can I improve my insurance terms by taking additional risk management steps?

Absolutely! Installing security systems, implementing safety procedures, staff training, and regular maintenance can all help offset concerns about credit, claims, or convictions. We'll advise on specific improvements for your business type.

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How does Insure24 help with complex insurance applications?

We have relationships with a wide range of insurers, including specialists who work with higher-risk cases. We'll present your application professionally, highlighting positives and improvements while being transparent about challenges.

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What documentation should I prepare for a complex insurance application?

Prepare recent financial statements, evidence of risk management improvements, details of security measures, staff training records, and any relevant certificates or licenses. We'll guide you on specific requirements for your situation.

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Can my insurance terms improve over time as my situation changes?

Yes, as time passes and you demonstrate good risk management, improved financial stability, or clean records, your insurance terms can improve. We review your situation at each renewal to secure the best available terms.

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What if my circumstances are particularly complex or unusual?

Complex cases are our specialty. Whether you have multiple issues or unique circumstances, we'll work with you to find suitable coverage. Our experience with challenging cases means we know which insurers are most likely to provide competitive terms.