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Commercial Property Insurance

Commercial insurance covers a wide range of risks from a single person liability insurance policy to large business risks incorporating premises, stock, liabilities and vehicle fleets. At Herald Insurance we deal with a large panel of specialist commercial insurers all offering specially designed policies to suit the needs of a vast array of commercial clients.

As no two commercial risks are the same there is no value in offering just one commercial insurance policy to fit the requirements of every client. This is why our panel of insurers offer bespoke policies to suit the needs of each individual client to ensure they get the exact cover they need while also trimming the policy of the parts they don’t need therefore keeping the premiums to a minimum.

With claims on the increase in today’s uncertain financial climate it is important that your business is properly covered in the event of a claim to ensure your business is affected as little as possible and you can continue to trade. Without an adequate policy in force you could find that you are either under insured or worse not insured at all, and therefore find it hard to keep your business operating. At Herald insurance we will find out the exact requirements of your business and find a suitable policy that will cover you should you need to claim.

Nowadays many people turn to the internet in order to find a good insurance deal and while this may be fairly straight forward when it comes to insuring your car or house it could be a whole different ball game trying to find a suitable commercial insurance policy due to the complex nature of the sums insured.

For example, will you need cover for high risk stock, accidental damage, treatment risks, equipment away from premises, theft by employees, stock deterioration, computer and electrical equipment, shop front, business money or business records? The list goes on and on. And then there are the endorsements that insurers will apply to your policy such as having suitable security or fire precautions in place. If you do not meet the requirements outlined by your insurers they could refuse to pay out in the event of a claim.

This is why it makes sense to speak to someone who knows the ins and outs of a commercial policy so they can give you the advice and information you need to make sure your business is properly covered rather than run the risk of buying a policy without knowing what you are covered for or what endorsements apply.

Call Herald Insurance today and speak to one of our experienced and knowledgeable staff.

Our range of commercial insurance products includes:

  • Public Liability
  • Professional indemnity
  • Commercial property
  • Vehicle fleet
  • Retail outlets
  • Salons
  • Directors and officers
  • Homeworkers
  • Offices and surgeries
  • And many more

Can you really afford for your business not to be properly insured?