tailored to your company needs
Protect your company with business insurance from the specialists at Darwin Clayton. For professional advice or a business insurance quote, call us on 01892 511 144.
Why get your business insurance through Darwin Clayton?
Established in 1920, we have worked with a wide range of trades and industries over the years, understand the risks you face and can provide a solution that’s designed around your company. At Darwin Clayton, we work with some of the leading UK insurers, and by partnering with us, you will also benefit from the following:
As you can see from the following client testimonial, your business insurance is in excellent hands with Darwin Clayton
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What is business insurance?
Business insurance provides financial protection against losses your business may suffer because of accidents during your business activities. Your specific insurance needs will vary depending on the services your business offers and on your clients’ needs, but common policy elements include:
What does business insurance cover?
Every business is unique, and your working environment and the services you provide will affect the make-up of your business insurance quote. At Darwin Clayton, our friendly team of specialist can arrange a policy specifically for your business’s needs. A typical business insurance policy includes policy covers such as:
As an employer, you are responsible for the health and safety of your employees whilst at work. Employers’ liability insurance (EL insurance as it’s also known) of £5m is a legal requirement if you have any staff. Businesses that hire people without having this insurance cover can face fines of up to £2,500 for each day they are uninsured. If your employee is injured or becomes ill because of the work they do for you and they bring a claim for compensation against your business, you will be protected.
Covers your business if you or your employees are held liable for accidental injury to your clients, customers, or the public or for damage to their property because of your business’s activities.
if the products you supply to customers cause damage or injury, you could be held liable in the event of the claim.
This cover accounts for your commercial property, its fixtures and fittings and the contents, protecting them against risks including fire, flood and storm damage.
Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.
As with any insurance policy there are terms and exclusions, we will discuss this with you during the quotation process.
Are there any policy options for business insurance?
Depending on the nature of your work or services your business provides, you may need additional covers added to your business insurance quote. Common options include:
This covers physical loss or damage to tools belonging to employees, principals, partners, or directors within territorial limits.
This cover will protect your business from losses and damage resulting from acts of terrorism.
With businesses facing so many legal risks, seeking legal advice and formulating legal documents, such as employment contracts, can be time-consuming and expensive when the services of solicitors and other legal experts are engaged. Legal expenses cover not only offers the services of legal representation but also provides free legal advice on a range of legal problems and access to a suite of helpful documents.
Covers the value of your goods in transit to your customer’s premises.
Does Darwin Clayton offer any additional policies to protect your business?
The UK has seen a significant rise in cyber-attacks, as highlighted by the 2023 Cyber Security Breaches Survey conducted for the UK Government, revealing that 59% of medium-sized organisations reported experiencing a cyber security breach or attack within the past 12 months. As this threat escalates, considering a cyber insurance quote becomes more important for a modern business.
Also known as directors’ and officers’ or D&O insurance. This covers the cost of any compensation claims made against your directors, officers, or high-ranking management for alleged wrongful acts. Claims could be made by disgruntled employees, clients, investors, stakeholders, and even regulators and could involve civil, criminal, or regulatory proceedings. A management liability policy can also cover any legal costs that arise for directors in defending their case.
This insurance cover includes three core elements:
A separate cover for your computer equipment
Contractor’s plant covers your machinery
As your equipment should be inspected regularly, this policy covers you for statutory inspection service
If one of your employees has an accident, and it leads to temporary or permanent disablement or even death, a benefit payment will be made. Business travel can also be added to this cover.
Fleet insurance covers your multiple vehicles on a single policy. It can be a mix of vehicles, including vans, cars, and trucks.
Uninsured loss recovery insurance pays for a solicitor to pursue a guilty third party for recovery of your uninsured losses such as policy excess, hire vehicle charge, loss of earnings, as well as costs to pursue a personal injury claim.
GAP insurance will cover the outstanding balance of a finance or lease agreement on your motor vehicle following its write-off or up to 25% of the write-off value.
If a customer fails to pay you for services or products, whether it’s due to insolvency, refusal, or inability to pay, credit insurance will indemnify your losses. The insurance will also provide insights into customers credit ratings and what limits of credits to offer.
Business insurance FAQs
It’s important for all businesses to get the right insurance. To help you do that, here are business insurance frequently asked questions. We hope they are helpful, but if you’d like any advice, please call us on 01892 511 144. Our team of insurance professionals are here to help.
If you have employees, you will need at least £5m of employers’ liability insurance – that is a legal requirement.
Your specific insurance needs may vary depending on the service your business offers and your client’s needs. Typical covers we arrange include public liability, product liability, property – buildings and contents, business interruption, and goods in transit insurance.
Because accidents happen. Accidental damage to a client’s property, injury to a third party, stolen or damaged equipment and other unexpected events could make your business lose money, result in lost business opportunities, or even cease your business’s operations. A good business insurance policy provides cover should these situations arise, protecting your business from legal and financial liabilities.
Having the appropriate insurance cover is not only a responsible business practice but also a way to protect the financial stability of your business in the event of unexpected incidents or accidents. It provides peace of mind to both the business and their clients and ensures that the business can continue to operate effectively.
Getting a quote is easy. You can start your business insurance quote here or call us on 01892 511 144, and our experienced team will help you find the protection you need.
That will depend on the level of protection your business requires, its turnover, what equipment you have, your claims history, etc. If you would like to get a business insurance quote, call us on 01892 511 144 or start your quote here.