This adaptable product is designed specifically for businesses with up to 15 employees and with a turnover of up to £5,000,000.

Our appetite includes, but is not limited to:

• Homeworking trades including: Cake making and decorating, Artist, Engraving, Homecrafts, Lifestyle consultants
• Professional trades including: Accountancy, Administration, Chartered surveyor, Web site design
• Contracting trades including: Builder, Painter and decorator, Electrical contractor, Carpenters and joiners, Plastering contractor
• Mobile trades including: Hairdressing, Hair and beauty consultant, Sports/Personal training, Dance instruction, Property valuers

Tailored Protection

• Policies are designed to meet the specific needs of a wide range of businesses.
• Flexible cover options allow you to choose what’s relevant for your customer’s business.

Flexible cover in one package

• Combines covers such as public liability, employers’ liability, business equipment, business stock, contract works, tools/plant under one policy.
• Other optional extras like business travel and personal accident cover can be added for peace of mind at an additional cost.

Public and products liability

Protects against claims for injury or property damage caused by your business activities:

• A choice of limit up to £5,000,000 as standard (with an option to increase £10,000,000 depending on trade).
• Environmental clean-up costs extension as standard up to £1,000,000.
• Data Protection Act (incl. General Data Protection Regulation) extension as standard up to £1,000,000 to cover legal costs and expense.

Employers’ liability (optional)

Covers claims from employees for work-related injuries or illnesses:

• Our Rehabilitation team offer an innovative approach to acute injury management, proactively treating injuries to prevent chronicity and long-term absence.
• Confidential emotional support and counselling for policyholders and their employees, available 24/7.

Contractors’ ‘all risks’ (optional)

• Protects contract works, plant, and tools against theft, loss, or damage.
• Includes theft from an unattended locked vehicle as standard.

Personal Accident (optional)

Provides financial support to the business if when an insured person suffers an accident at work.

Business contents (optional)

Up to £10,000 for office and business equipment.

Business stock (optional)

Up to £10,000 for business stock or trade samples

Employment and legal helplines

Included on every policy and providing support on legal and tax matters (provided by ARAG).