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Business insurances

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Your partner for your businesses insurances

At Sutcliffe & Co., we are dedicated to helping businesses find the right insurance. We understand that every business faces its challenges, and that’s why we take the time to get to know our clients, designing bespoke policies that address the risks and opportunities specific to their world. Our experienced team is here to guide you every step of the way.

Explore our range of business insurances below, or browse the sectors we cover. If you’re unsure or in need of further advice, get in touch.

Home > Business Insurances

Your partner for your businesses insurances

At Sutcliffe & Co., we are dedicated to helping businesses find the right insurance. We understand that every business faces its challenges, and that’s why we take the time to get to know our clients, designing bespoke policies that address the risks and opportunities specific to their world. Our experienced team is here to guide you every step of the way.

Explore our range of business insurances below, or browse the sectors we cover. If you’re unsure or in need of further advice, get in touch.

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Choose your Business Insurance

A

ACORD Certificate

Standardised documents that summarise what liability insurance an organisation holds. Read More

Agricultural vehicle insurance

Tractors, telehandlers, quads, combines, trailers and plant, essential to your operation and attractive to theives. Read more

B

Bonds

Bonds are not actually a form of insurance but are closely related. Read more

Book Debts

Covers the cost of reproducing records and chasing debtors following the destruction of accounting records. Read More

Buildings Insurance

Normally covers the main structure, outbuildings, walls, gates and the property owner’s fixtures and fittings. Read more

Business contents insurance

Business contents insurance can cover furniture, furnishings, equipment, etc. for loss, theft or damage. Read more

Business Interruption

Also known as Loss of Profits, will pay for your lost income should you income be disrupted by a claim. Read more

C

Care farms

Providing invaluable opportunities for a range of service users, unfortunately they can also be difficult to insure. Read More

Commercial combined insurance

A custom made policy created using different individual types of insurance in order to make a bespoke policy. Read more

Commercial package insurance

Commercial package policies give a basic all round package of cover for businesses. Read more

Computer insurance

Cover for computer equipment including breakdown, re-instatement of data and consequential loss. Read More

Contract works insurance

This covers temporary and permanent construction works plus materials, should they be stolen or damaged. Read more

Credit insurance

Credit Insurance protects businesses against debtor insolvency or failure to pay an outstanding debt. Read More

Cyber insurance

Designed to cover the modern day risks associated with electronic data, communications and information. Read more

Cyber Liability Insurance

For eligible companies that obtain Cyber Essentials certification through The IASME Consortium or an IASME approved Certification Body. Read more

D

Data protection

This can help you and your business in case of a data breach – and with your GDPR compliance. Read more

Directors and Officers

Designed to indemnify directors and officers from claims against them personally for failing in their duties. Read More

E

Efficacy

Cover failure of an item to perform its function; often purchased as an extension to Products or Public Liability. Read more

Employers Liability

A legal requirement for all employers to cover them should an employee suffer a work related injury or disease. Read more

Engineering Inspection

A legal requirement for certain types of equipment to prove that it is in a serviceable and safe condition. Read more

Environmental Liability

These policies can be tailored to give you the level of protection you need, either as a potential polluter or as a landowner sitting on an unknown risk.Read more

Equestrian insurance

Injury or illness to your horses, theft of tack, damage to horseboxes, damage to buildings, damage or injury caused by horses. Read More

Equipment and machinery breakdown

If you have plant, machinery or equipment that is vital to your business then consider Engineering Insurance. Read More

Events and Activities

Sutcliffe & Co can provide event organisers with specialist insurance packages designed to cover the requirements of an event.Read more

Event Cancellation Insurance

Event organisers need to consider protecting themselves from unexpected events that could cause cancellation. Read more

F

Fidelity / Employee Dishonesty

Fidelity Insurance is designed to protect businesses from dishonesty and thefts by employees. Read More

Fleet Insurance

Fleet insurance enables a number of vehicles to be insured on one policy. Insuring a fleet reduces administration, increases flexibility and cuts costs. Read more

Flood insurance

Revolutionary & rapid-payout flood cover for businesses and landlords.Read more

Flood recovery

Steps to take, along with a downloadable checklist, to help you, your property & your business recover from flooding. Read More

G

Goods in transit

Goods In Transit Insurance covers a business for loss or damage to cargo, stock or other items being transported. Read more

H

HGV insurance

Heavy Goods Vehicles / HGVs are a considerable financial investment and need the correct insurance.Read more

Hired in plant

If you hire plant or equipment, the hire company will often expect you to insure it whilst it is in your possession. Read More

J

JCT 21.2.1

In simple terms, this is insurance to cover you should a neighbour’s property suffer damage as a result of the work carried out on your property. Read more

K

Kidnap and ransom

Kidnap & Ransom insurance provides the services of a specialist consultancy to effect the quick and safe release of the victim.Read more

L

Land owners liability

Land Owners Liability Insurance covers the owner of land or property for their legal liability for injury or damage to others. Read more

Land indemnity

Legal Indemnities cover a wide range of risks that may be encountered in conveyancing transactions, providing a tool to mitigate the problem. Read more

Latent defects

Latent defects insurance covers against defective design, materials or workmanship that are discovered after construction of a building is complete.Read more

Legal expenses

This provides a legal service and costs to defend or pursue certain legal actions. Read More

Legal indemnity insurance

Typically used when purchasing a property that has had recent building work carried out but there is no evidence of planning permission. Read More

Loss of rent

Loss of Rent Insurance will compensate landlords should a property become uninhabitable following an insured event; such as a fire or flood.Read more

Loss recovery

Loss Recovery Insurance will pay your uninsured costs following a claim that is not your fault. Read More

M

Marine cargo transit

The term ‘marine’ is misleading as this insurance can cover goods being transported by land, air, rail or sea. Read more

Marine Hull Insurance

Traditionally this just covered the main structure of a boat, but now it covers a lot more – including aircraft.Read more

Medical malpractice

A form of professional indemnity insurance designed to cover claims for, or accusations of, medical negligence. Read More

Medical professional insurance

Minimise costs and disruption in the event of damage to equipment or data, injury, prosecutions or tribunals. Read More

Money insurance

Money Insurance covers cash, cheques, stamps, etc against all risks. Read more

N

Non negligence / 6.5.1

Non Negligence Insurance in the construction industry is also known as JCT 12.2.1 or JCT 6.5.1 insurance.Read more

P

Performance bonds

Frequently required as part of a construction industry contact between client/developer and contractor. Read More

Personal guarantee insurance

Signing a personal guarantee may be needed to secure much needed finance – this insurance helps reduce the associated risk. Read more

Personal accident & illness

Personal accident & illness insurance pays a benefit in the event of death, injury or illness of an insured person. Read more

Plant & equipment

Plant and equipment insurance will cover your business contents and machinery. Read More

Private medical

Personal accident & illness insurance pays a benefit in the event of death, injury or illness of an insured person. Read more

Prize indemnity

This cover allows event organisers to offer competitions with generous prizes by minimising the risk of a big win. Read more

Product guarantee

Product guarantee insurance gives over should a product fail to perform its intended function. Read more

Product recall

This covers the cost of recalling a product that has a dangerous defect, has been maliciously tampered with or is subject to malicious threats of contamination. Read More

Products liability

Products liability insurance covers the insured’s legal liability for injury or damage sustained by purchasers or users of products. Read more

Professional indemnity

Designed to cover individuals and businesses engaged in professional services for claims of alleged breach of professional duty. Read More

Property owner's liability

Property owner’s liability insurance covers the owner of a building or land for their legal liability for injury to third parties or their property. Read more

Public liability

Public liability insurance is designed to cover the insured’s legal liability to compensate others for personal injury or damage to their property. Read more

R

Reinstatement of computer data

Reinstatement of computer data usually forms part of a computer insurance policy. Read more

Refund protection

Is being able to refund your customers’ tickets if they have to cancel – but with no cost or admin – a burden for you? It can be done! Read More

S

Stock

Insuring your stock can cover the cost of replacement should it be damaged or stolen. Read More

T

Tenants improvements

Tenants improvements insurance will cover you if you rent or lease a property and have spent money improving or refurbishing the property. Read more

Terrorism

Terrorism insurance can be purchased to extend existing cover to include losses caused by a terrorist act. Read more

Tools

Tools and equipment can be vital but are at risk of loss or damage and are very attractive to thieves. Read More

Tour operator's liability

Things can go wrong on a trip and the tour operator could be held responsible – this insurance can help. Read more

Treatment risks

Terrorism insurance can be purchased to extend existing cover to include losses caused by a terrorist act. Read more

Trustees & committee members' liability

Indemnifies trustees & committee members from claims against them personally for failing in their duties. Read More

U

Unoccupied property

Unoccupied properties are often a target for vandals, arsonists and squatters, so you should seriously consider the security of your property. Read more
Business Insurances

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