Business Insurance

Equity Insurance Brokers are specialists in small business insurance and can arrange a wide range of commercial insurance products to meet all your needs. We have listed below details our most popular business insurances. For a quick quotation, please click on the relevant insurance, provide us with your details and we will provide a full quotation or an indication of price.

We provide full details of the product and our terms of business with your quotation prior to purchase.

If you have any queries regarding any of the insurance products on this site, please contact us on 0800 707 6855 and our expect staff will be able to provide you with one to one advice to meet your business needs.

Public liability insurance is designed to cover businesses in the event that they are sued by a third party who feels that they have suffered a loss as a result of that company's negligence (lack of care).

Public liability insurance is designed so that in the event that you are successfully sued by a third party you will have the adequate financial backing to pay the cost of the claim. If you do not have public liability insurance and a third party successfully pursues you for compensation you will be liable to pay the full amount to the claimant.

Public liability insurance will not prevent claims from happening it will however cover your business in the event that there is one. The cover limit arranged is usually at least £1 million and is often up to £5 million or more.  Cover includes any damages awarded as well as defense costs incurred with the insurers consent.

Product liability insurance covers you if any products that you sell or provide are faulty or defective.

In the event that you provide a product and it is defective and someone suffers a loss as a result of that product, they are entitled to pursue you for compensation. For example, if you supply a television and it blows up causing damage to someone's property they will be entitled by law to sue you for compensation.

Product Liability insurance will usually be included with your public liability insurance. This takes care of your legal liability arising from defects in products or services supplied or work carried out. Cover includes any damages awarded as well as defense costs incurred with the insurers consent.

Employer Liability Insurance (EL) cover enables businesses to meet the costs of compensation and legal fees for employees who are injured or made ill at work through the fault of the employer. It also means that employees injured due to an employer's negligence (lack of care) they can seek compensation even if the business goes bust.

The law states that as an employer you must have a minimum of £5 million worth of employer's liability insurance. Most insurance companies automatically provide you with double the amount, £10 million. Labour only sub contractors are usually considered to have a similar status to employees and should therefore be included when arranging your employers liability cover.

Employers liability insurance is compulsory by law in England, Scotland and Wales.

Your shop is your livelihood. You probably spend most waking moments either working in the shop, managing your staff or catching up with paperwork. You will want to make sure that your business is properly protected - but with little time to spare, you often don’t have the time to search for the right cover.

Our shop insurance package includes protection against most of the risks typically encountered by shopkeepers, leaving you to concentrate on running your business.

An accident or illness can have a major impact on your lifestyle and business but with critical illness and accident cover you can at least reduce the financial impact it could have on you and your family.

We offer personal insurance for accidents or sickness that helps pay the bills if you cannot work due to accident or illness.

If your business provides advice or consultancy you have a responsibility to your clients and any breach of that responsibility could lead to a claim against you, causing serious damage to your business. Professional Indemnity Insurance will protect you against having to pay damages and legal costs should a claim arise against you.

We have a range of policies suitable for different professional groups that can protect you against a range of circumstances including negligent acts, errors and omissions, breach of professional duty or civil liability.

Our reputation as an established and professional HGV insurance intermediary has been built on our ability to deliver tailored solutions for a wide range of HGV insurance requirements. We offer competitive haulage insurance policies and a professional service whatever type of cover you require.

All your commerical insurance needs met.

At Equity Insurance Brokers we have many other insurance products to meet your needs. Please contact us if the product in which you are interested is not listed above on 0800 707 6855.

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