Business insurance for Liverpool, Merseyside and the North West covering Buildings & Contents, Business Interruption, Property Liability and Directors Insurance — with same-day proof once bound.

Buildings & Contents

What it is: Insurance for your premises and what’s inside.
Covers:

- Buildings (rebuild cost incl. debris removal & professional fees)

- Contents (furniture, fixtures, IT/POS, machinery, stock)

- Tenants’ improvements (fit-outs you’ve paid for)

Good to know: Use rebuild cost, not market value. Add accidental damage, glass/signs, money, equipment breakdown if needed.

Business Interruption (BI)

What it is: Replaces lost income and pays extra costs after insured damage (e.g., fire, flood).
Key points:

- Choose indemnity period (often 12–24 months; complex rebuilds lean 24)

- Base the sum on gross profit + increased costs of working

- Can include denial of access/supplier extension if required

Property Liability

What it is: Liability arising from the ownership or occupation of premises.

- Public Liability — injury to third parties or damage to their property on/around your premises

- Property Owners’ Liability — for landlords and managing agents
- Typical limits: £2m–£10m (match council/main-contractor specs where required)

Directors Insurance (Management Liability)

What it is: Protects directors and the company for management decisions.

Components:

- D&O — personal liability of directors/officers

- Corporate Legal Liability — claims against the company

- Employment Practices Liability — HR disputes (e.g., wrongful dismissal)

Why it matters: Safeguards leadership and balance sheet on regulatory, shareholder or HR claims.

And More (add as needed)

Professional Indemnity — negligence/errors in advice or design

Cyber — data breaches, ransomware, incident response

Legal Expenses — defence/pursuit of insured disputes

Contract Works (CAR) — damage to works pre-handover (contractors)

Tools & Equipment — theft/damage on site or from vehicles (security conditions apply)

Goods in Transit — stock/goods while being moved

Glass & Signs / Money / Equipment Breakdown / Terrorism — available on request

How it works

Tell us about the business — activities, locations, sums insured, claims (3–5 years)

We search the market — match risks to UK insurers and negotiate terms

Get covered — select your option; same-day certificates once bound

Price factors

Trade/activities · turnover & wage roll · claims history · sums insured · limits/excess · security & postcode · risk controls (alarms, sprinklers, CCTV)

Quote checklist (speeds binding)

Business name & address · activity description & territories · turnover & wage roll (clerical/manual split) · employees/subcontractors · 3–5 years claims · sums insured (buildings/contents/stock) · required limits (PL/EL/PI/D&O) · any council or tender specs

Local notes

Many North West tenders ask for £5m–£10m Public Liability and a current EL certificate. Share specs; we’ll match wordings/limits first time.

FAQs

1) Buildings sum insured — market value or rebuild?
Rebuild cost (incl. debris removal and professional fees), not market value. Consider Day-One uplift to reduce underinsurance risk.

2) How long should my BI indemnity be?
12–24 months; complex refits or planning delays usually justify 24 months.

3) Property Owners’ Liability vs Public Liability?
Owners’ Liability applies to landlords; Public Liability to occupiers. We’ll place the right one (or both) for your setup.

4) Directors Insurance vs Professional Indemnity?
D&O covers management decisions; PI covers professional advice/design. Many firms carry both.

5) Can I pay monthly?
Yes, via premium finance (subject to status).

6) How fast can I get proof?
Same day once cover is bound. Certificates and schedules emailed immediately.