Small Business commercial Insurance
Quotes from leading insurers for small business insurance
B. Portwood & Co Ltd offer a range of small
business insurance policies. As insurance brokers we are agents
for many companies so can almost certainly offer you a competitive
quotation.
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Your business will need, at least cover for liability (public and employers liability.) Our small business insurance policies will include this either as part of a package or on a wages basis. |
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Undoubtedly the business will need covering for the stock on the premises. We offer a range of small business insurance policies for shops to cover all types of stock - even high risk such as wines/ spirits or tobacco. |
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A business will need cover for other eventualities. Package small business insurance policies cover many of these as standard - such as goods in transit, interruption, assault. |
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Although a business may be insured as a package, for many construction or manufacturing businesses a commercial combined policy may be more suitable than a package policy. |
Examples of small business insurance
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Many shops are run as a small business - usually on let property. If you are in retailing then please complete this shop insurance quote form. |
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Similarly if your small business is in the fast-food business e.g. a small take-way, Chinese, Indian or other ethnic restaurant needing insurance we can help - the form for take aways and restaurants is the same. restaurant/ take away quote form. |
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We can also quote for a small business in the manufacturing sector - please contact us for details (a quote form will be available) |
Risk Management
The best way to get cheaper small business insurance is through risk management. By taking care of security and spotting/ minimising risks premium savings can be made.
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Theft: make sure that all windows on the business premises are securely locked, preferably with bars and grills when practicable. |
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Alarm: A burglar alarm with central monitoring/ redcare can often reduce insurance premiums substantially. |
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Waste: Ensure that any left-over waste produced by the business is swept up and packed away - this reduces fire hazards. |
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Liability: Ensure that your employees are issued with effective protection e.g. hard hats/ goggles/ ear muffs if working in a noisy environment. |
Our quotes for small business insurance.
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If you operate from an office e.g. solicitor/. accountant then the premiums will be lower. |
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If you are a shop owner then the premium will depend to a large extent on the location. |
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Take-aways and other premises that use heat will find the premiums higher. |
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If we are unable to offer a package policy (which provides many benefits on an all-inclusive basis) then this will affect the quote. |
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Operating in a relatively dangerous environment will increase the premium - this will be true in manufacturing for instance. |
To request a quote please use the following forms:
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Shop Insurance |
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Office Insurance |
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Fast-Food/ Takeaways |
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Commercial Combined (will offer a range of forms specific to the trade in which you operate) |
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Licensed Trade - Public Houses/ Wine Bars |