Small Business Insurance

Choosing the right small business insurance is an important decision for any business owner. Any number of events such as a break-in, fire or a flood will all have a major impact on you and your business and could ultimately put you out of business.

By law, all businesses (big or small) are required to have insurance against certain kinds of risk, such as employers' liability insurance. But it is also important to consider public liability insurance when dealing with your customers and the public.

In order to ensure you get the right small business insurance for your company, talk through your needs with an expert. Make sure that you purchase small business insurance that is tailored to your specific business type. Every policy should be as individual as the company concerned, which means that you may have several types of cover included in your insurance. But don’t end up paying for unnecessary cover. Another way of lowering premiums is to take up best practice in health and safety measures. A good health and safety audit can help to lower insurance costs.

Small Business Insurance

Unfortunately too many small businesses have had to learn from their mistakes. Upon making a claim they’ve found that their losses aren’t covered, in their small business insurance policy, often due to just one small line tucked away in the small print. If your business changes in any way after you’ve taken out a policy you should always check with your insurance broker to ensure that your insurance is still valid. This includes updating your contact details whenever they change. A flexible policy ensures that when changes happen you’ve only to inform your insurance broker and your small business remains protected.

When looking over your small business insurance quotes, check the policies for any clauses stipulating certain requirements such as a specific type of lock on the windows, for example. There may also be certain exclusions on the cheaper quotes which should be noted although they may not be relevant to your business.

"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Dermott Quinn, Managing Director Ductbusters Ltd

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"I highly recommend the Sutcliffe & Co team both for their proactive ongoing annual renewal work & also for helping during a recent claim. Its great to know we have a local firm with people we can rely on."

Julian Powell, Business Director, HallmarkHulme Solicitors

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“We had been with our current broker for several years and had become complacent. An increase in premiums led us to want to cross check with an alternative broker and we chose Sutcliffe. We found them a breath of fresh air; there was a transparency in our dealings, their advice gave us options and they found competitive ways of providing insurance from high quality companies."

Chris Oliver, Director, CHANE Investments Ltd

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“Talbot Transport has been with Sutcliffe and Co for many years and have the greatest confidence in their service. We like their friendly and personal staff and feel they have a good understanding of our business. Any problems we have are dealt with swiftly and smoothly with the least amount of disruption to our daily business”

Sophie Talbot, Partner, Talbot Transport

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“I was thrilled when I found Sutcliffe & Co, friendly, efficient and with competative prices. Their expert advisor really helped me through the insurance minefield and he went that extra mile that other companies just did not...."

Michelle Davies, Office Manager, Davies and Daughters Building Contractors

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

Anthony Eddies-Davies, Director, Live The Adventure Ltd

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Sutcliffe Insurance Brokers Ltd t/a Sutcliffe & Co is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 21681 | Registered in England No 1167560

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