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Business Insurance

We all want cheap business insurance, try us today and see how much money you could save.

What can One Call do for your business?

Whether you’re a self-employed tradesman, you own the local café, you’ve built up a thriving eBay shop or you’re at the helm of a growing national retail empire; it’s important to ensure you safeguard the future of your business with a commercial insurance policy (sometimes also referred to as business insurance).

It might not be a legal requirement, but a good commercial insurance policy will protect your business from all kinds of unforeseen and potentially devastating eventualities. For example, a robbery, fire, accident, defective product, rogue employee and more.

Depending on your business, circumstances and insurer, you might be able to claim for things like legal expenses, compensation, and loss of income, additional staff costs, rent and more, if one of the above scenarios should arise.

Types of Business Insurance...

Tradesmen & Professional
Tradesmen & Professional

Tradesmen and professional insurance provides cover for Plumbers, Plasterers, Electricians, Gardeners, Builders, Face Painters, Party Planners, Hairdressers and more.

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Shop & Retail
Shop & Retail

Shop and retail insurance is ideal for independent shop owners as well as localised, regional and nationwide multi-location retail chains.

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Restaurants, Bars, Cafes & Takeaways
Restaurants, Bars, Cafes & Takeaways

We offer specialist commercial insurance for restaurants, bars, night clubs, cafes, takeaways, bistros and businesses of a similar nature.

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Hotel & Guesthouses
Hotel & Guesthouses

Specialist commercial insurance is available for hotels, B&Bs, guesthouses, hostels and businesses of a similar nature.

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Property Owners
Property Owners

Property owners insurance is ideal for residential and commercial landlords. This includes single property owners as well as those with small, medium and large property portfolios.

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Office & Surgery
Office & Surgery

Office and surgery insurance provides cover for doctor’s surgeries, dentists and vets, but also accountancy firms, marketing agencies, sales offices and more.

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Commercial insurance cover options

There are many different types of cover that can be specified under a commercial insurance policy. Some of the most common are:

Public liability insurance - Public liability insurance provides protection against the risk of third-party claims arising from accidents or damage caused by your business. It covers things like resulting legal fees and compensation.

Professional indemnity insurance - Professional indemnity insurance protects you against the risk of financial loss resulting from your business having provided inadequate advice, consultancy or services to a client.

Employer's liability insurance - If you employ one or more people, you are required by law, to hold a valid employer's liability insurance policy. It provides cover for financial loss resulting from claims of work related illness or injury brought against you by an employee.

Stock insurance – Stock insurance ensures you aren’t left with a huge financial burden should your stock be damaged, destroyed or stolen. It’s essential cover for a whole host of businesses – retailers, pubs, suppliers and wholesalers – included.

Product liability insurance - Product liability insurance provides cover for expenses relating to a claim for personal injury or property damage caused as a result of a defective product that was either designed, sold or supplied by your business.

Business interruption - Business interruption insurance offers protection against the risk of your business being unable to trade as a result of a fire, flood, theft and more. It covers things like loss of revenue, rental income and additional staff costs.

Buildings insurance - Commercial buildings insurance covers the bricks and mortar construction of your business premises. It's generally the responsibility of the property owner/landlord and not the occupying business.

Legal protection - Legal protection covers the cost of legal expenses associated with legal action being taken by or against your business. It covers things like employee disputes, property damage, nuisance and trespass.

Directors & officers insurance - Directors and officers insurance provides protection against financial loss resulting from claims being brought against a company director and in some cases, a senior manager. It covers things like legal expenses and compensation.

Tip: The terms of an individual commercial insurance policy will vary based on the insured business and the insurer providing a quote among many other factors. You should therefore read the policy terms and any other relevant documentation thoroughly before buying commercial insurance.

Further information...

Commercial insurance isn't required by law, with the exception of Employers' Liability Insurance in cases where your business employs one or more people. However, insuring your business against the risk of rogue employees, personal injury, defective products, inadequate advice and more is essential to ensure you aren't hit with hefty and unexpected expenses resulting from a claim.

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