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Commercial Insurance

There are many different types of commercial insurance available with many additional extras which you can add on if required to your specific needs. Things can become quite complex, which is why we advise you contact us today to discuss your requirements in more detail and get the right advice.

Below we have tried to make things simple and clearly show you how important these products are. The main types of commercial insurances are:

Public liability insurance – this insurance is in place to cover liability claims for injury to a person/s at your own premises and outside of your employment address or claims for damage/s to a third parties property.

Public liability insurance is vital if you have customers coming in and out of your offices or place of work, if you carry out work for clients at their homes or places of work. With so many different conditions that may apply to your individual type of business or trade we highly recommend speaking to one of our specialist advisors to discuss your requirements in more detail.

Employers’ liability insurance – this is a legal requirement if you have 1 or more employees. This covers you for claims arising from your liability for employee/s injury, illness or death.

If employers’ liability is not taken out and you have more than 1 employee, you could be asked to pay a fine of £2,500 for each day you do not have it.

Professional indemnity insurance – this insurance is in place to protect you against claims arising from your negligence, bad advice or if you make mistakes in your work you have done for a client which results in them making a financial loss through time or money.

The types of business that take out professional indemnity insurance can be; Mortgage advisors, estate agents, architects, accountants, IT consultants, financial advisors, engineers and many other fields where professional advice is given.

Business building and contents – just as we protect our homes, it is imperative we protect our places of work. You should protect the contents of your office, shop also. Equipment which costs thousands of pounds needs to be insured. We can also arrange for you home office to be protected under your buildings policy which can save you money and time.

 
Commercial Lending
Land Acquisitions & Development
Portfolio Finance
Business Lending
Bridging Finance
 
Business Protection
 
Business Insurance
Rate Guard Commercial

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

* The Financial Conduct Authority does not regulate some forms of buy to let, secured loans, commercial finance, bridging finance, overseas or offshore mortgages and will writing.
Your initial mortgage consultation is obligation free. We charge an administration fee for processing each mortgage contract and our fees only apply when you decide to proceed with an application. For standard residential mortgage contracts the typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer . For buy-to-let mortgages a typical fee of up to 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer. For offshore and commercial mortgages a typical fee of 1% of the mortgage loan applies of which £1000 is payable on application with the balance payable on offer. For impaired credit lending the typical fee is 1% of the mortgage loan applies of which £500 is payable on application with the balance payable on offer. The overall cost for comparison is 5.5% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration.

The adivce and/or guidance contained within this website is subject to UK regulatory regime and therefore is restricted to consumers based in the UK.