Commercial Insurance | Richard Bamber & Company

We help businesses review and arrange insurance cover that reflects how they actually operate.

Whether you are a small local business, landlord, property owner or established company, we can help identify the types of cover you may need and explain them in plain English.

Commercial insurance may include:

Public liability insurance

Employers’ liability insurance

Professional indemnity insurance

Commercial property insurance / Landlord insurance

Oversea Landlord insurance / 英国房东保险 — 为中国及海外业主提供支持

Business interruption insurance

Rent Guarantee insurance

Stock, tools and equipment cover

Fleet and commercial vehicle insurance

Directors’ and officers’ insurance

Cyber insurance

The right combination of cover will depend on your business, your risks and your existing arrangements.

Insurance should not be a box-ticking exercise. The right policy should reflect your property, business, responsibilities and financial risks.

We take time to understand what you need to protect, then help you find suitable cover from trusted insurance providers. This means you can make informed decisions and avoid discovering gaps in your cover when it is too late.

Frequently Asked Questions

The right commercial insurance depends on what your business does. You may need public liability insurance, employers’ liability insurance, professional indemnity insurance, property insurance, business interruption cover, cyber insurance, fleet insurance or a commercial combined policy.

Some types of insurance may be legally required. For example, employers’ liability insurance is usually required if you employ staff. Other types of cover may be required by clients, lenders, landlords, contracts or professional bodies.

Public liability insurance can protect your business if a customer, visitor or member of the public claims they have been injured or had their property damaged because of your business activities.

Employers’ liability insurance can protect your business if an employee claims they have been injured or become ill because of their work. It is usually a legal requirement for businesses that employ staff.

Professional indemnity insurance can protect businesses that provide advice, professional services, designs or consultancy. It may help if a client claims they suffered a financial loss because of your work.

Business interruption insurance can help protect your income if your business cannot trade normally following an insured event, such as fire, flood or property damage.

Commercial property insurance protects buildings, premises and commercial assets against risks such as fire, flood, storm damage, escape of water, theft and other insured events.

Landlords may need specialist landlord or property owners’ insurance, especially if the property is let to tenants, used commercially, vacant or part of a wider property portfolio.

Yes. We can help landlords and property owners arrange insurance for single properties or multiple-property portfolios.

Fleet insurance may be suitable if your business operates multiple vehicles. It can help simplify the management of vehicle insurance under one policy.

Not always. A cheaper policy may have lower limits, more exclusions or may not cover the risks your business actually faces. Suitability is more important than price alone.

You should review your commercial insurance at least once a year and whenever your business changes, such as taking on employees, moving premises, buying vehicles, increasing turnover or adding new services.

Yes. We can review your existing commercial insurance arrangements and help you understand whether your current cover remains suitable.

Yes. We are based in the North West but can support businesses, landlords and property owners across the UK and beyond by phone, email or remote meetings.

Insurance advice to help protect your business, property and people.

We help businesses review and arrange insurance cover that reflects how they actually operate.

Commercial insurance may include:

The right combination of cover will depend on your business, your risks and your existing arrangements.

Frequently Asked Questions

Speak to our Commercial Insurance Team

Location

Contact

Insurance advice to help protect your business, property and people.

We help businesses review and arrange insurance cover that reflects how they actually operate.

Commercial insurance may include:

The right combination of cover will depend on your business, your risks and your existing arrangements.

Frequently Asked Questions

What commercial insurance does my business need?

Is business insurance legally required?

What is public liability insurance?

What is employers’ liability insurance?

What is professional indemnity insurance?

What is business interruption insurance?

What is commercial property insurance?

Do landlords need commercial insurance?

Can you help with insurance for multiple properties?

Do I need fleet insurance?

Is the cheapest commercial insurance policy the best?

How often should I review my commercial insurance?

Can you review my existing business insurance?

Do you provide commercial insurance advice across the UK?

Speak to our Commercial Insurance Team

Location

Contact