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Get a Quote

Getting the right insurance quote for your business!

95% of businesses can be insured for Public, Product and Employers liabilities and your Tools in about 5 minutes using our online quote. You can find some details of our per person cover in the ‘Insurance Policy Package Overview‘ and the ‘PLEASE READ’ tab for our customer service, claims and complaints information.

If you have more than 10 employees, 3+ temporary employees, work with other than hand tools, for Retailers or businesses with Premises or Stock to protect then the online-quote is not for you – CALL US or REQUEST A CALL-BACK!

Business Quick Quote
If you call or request a call back, in addition to the core liability protection provided online, we protect key business areas are:

  • Your Shop (and its windows) or Workshop and fixtures and fittings;
  • Your Stock and Goods in Transit, (Shipments from suppliers and to/from customers);
  • Essential Legal Expenses cover for if your business needs to sue or is sued;
  • Protection that pays out after an accident until your business gets back on its feet (Business Interruption cover):

Please fill in the call-back request form below or call us and we will complete the quotation with you. You can save and return to the form later if you wish but, after you press ‘submit’ we will call back normally within one working day. Find out more about common types of business insurance.

Member of our ‘family’? – get a discount from Defence Discount Services or Blue Light Card; or call us for a code to use online (T&Cs apply).

Please note: The detailed cover is set out the terms and conditions of the policy and there are some businesses we can’t provide with insurance. We also won’t be able to insure you if you: have an undischarged bankruptcy order; have failed to comply with Health & Safety notices; have unspent criminal convictions for serious crimes.

Trade and Retail Business Call-back Request

‘Call us!’
Telephone: 0800 029 3585
Monday – Friday 0900-1700 excluding Public Holidays.

If you want to discuss your needs CALL US and we will take you through a quotation – we cannot advise you. You can read our full ‘Customer Insurance Service Information‘ here.

Product Liability Exclusions

  • Manufacture of latex prophylactic barriers used against disease/infection
  • Aircraft, satellites, spacecraft, rocket, missile or other aerial devices except radio controlled models
  • Any product used in aircraft (other than food, drink, hospitality, disposable, duty free, free issue personal comfort items)
  • Pesticides, fungicides, dyes and pigments, other than wholesale and retail sales
  • animal feeds other than pet foods
  • cosmetics
  • celluloid and pyroxylin
  • tobacco other than wholesale and retail sales
  • Manufacturer of safety critical marine or motor parts
  • Pharmaceutical risks other than:
    a) retail of pharmaceutical products
    b) wholesale general sales list medicines (i.e. over the counter medicines) for products sourced
  • Sun-bed manufacturers

Other ‘Stuff’ we can’t cover

  • Professional Indemnity
  • Electronic Risk
  • Nuclear risks as specified under the Nuclear Act 1965 and radioactive contamination other than radioactive isotopes
  • Property insured under a marine policy
  • Employment practices cover
  • Environmental Impairment Liability (EIL)
  • Environmental Liability Directive (ELD)
  • Pollution other than Sudden and Accidental
  • Product Defects/Recall
  • Property in the Insured Care Custody and Control
  • Tour Operators third party liability including ABTA cover
  • War and allied risks
  • Warehouse Keepers Liability