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Our Services

Business Insurance

Commercial cover has to match how your business actually operates. We audit your operations, class codes and contracts, then build a programme that survives a real claim.

Business Insurance coverage explained by Policy Holder Cover
Business Insurance

What we arrange for you

General liability, commercial property, workers' compensation, cyber and professional liability packages for growing companies.

  • General liability and products liability
  • Commercial property with accurate business interruption limits
  • Workers' compensation and employers' liability
  • Commercial auto and hired and non-owned auto
  • Cyber liability and data breach response
  • Professional liability, bonds and inland marine
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In Detail

Understanding your business insurance cover

The points our advisors walk through before recommending a business insurance policy.

Start with the liability your contracts demand

Most commercial clients discover they need insurance when a client, landlord or general contractor asks for a certificate with specific limits. Additional insured status, waiver of subrogation and primary and non-contributory wording are contractual requirements, and getting them wrong can cost you a contract or leave a gap in your defence. We review your contract language before we place coverage.

Property and business interruption are separate problems

Commercial property covers the physical assets. Business interruption covers the income you lose while those assets are unusable, including ongoing payroll, rent and loan payments. Underestimating the indemnity period — the realistic time to rebuild, re-permit and reopen — is the most common and most expensive mistake we see in small business programmes.

Cyber and professional liability are no longer optional

If your business holds customer data, accepts card payments, or provides advice and services, you carry exposures that general liability does not touch. Cyber policies respond to ransomware, business email compromise and notification costs. Errors and omissions cover claims that your professional work caused a client financial loss. Both are increasingly required by clients and by lenders.

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Get your business insurance quote

Tell us a little about what you want to protect and a licensed advisor will come back with comparable options from our carrier panel.

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Response within one business day

Most quote requests are answered the same working day.

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Your details stay private

We never sell or share your information. See our privacy policy.

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No quote fees, ever

Reviews, audits and comparisons are free of charge.

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Other coverage we place

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Home Insurance

Dwelling, personal property, liability and additional living expense protection for houses, condos and rentals across all 50 states.

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Health Insurance coverage from Policy Holder Cover 🩺

Health Insurance

Individual, family and small-group medical plans compared on network, deductible and out-of-pocket maximum — not just monthly price.

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Auto Insurance coverage from Policy Holder Cover 🚗

Auto Insurance

Liability, collision, comprehensive and roadside assistance for cars, trucks, motorcycles and multi-vehicle household policies.

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Ready to review your business insurance cover?

Send us your current declarations page and we will benchmark it against 32 carriers — free, with no obligation to switch.

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