Business Insurance

Insurance built around your business.

Your business isn't a standard template. Your insurance shouldn't be either.

From liability and property to business interruption, cyber and specialist covers, we help businesses understand the risks that matter and arrange insurance around their individual requirements.

YOUR
BUSINESS
Insurance
Property
Liability
People
Income
Commercial Insurance

One business. Multiple risks.

Running a business means dealing with risks every day. A customer could be injured, equipment could be damaged, premises could be affected by an unexpected event or an interruption could impact your income.

The insurance you need depends on what your business does, where you operate, the people you employ, the property and equipment you use and the responsibilities you have to your customers.

That's why we start with your business rather than simply offering a generic policy.

Business Insurance Covers

What could your business need protecting?

Different businesses require different combinations of cover. These are some of the key areas we can discuss with you.

PL

Public Liability

Protection against certain claims from members of the public arising from your business activities.

EL

Employers' Liability

Cover for certain liabilities arising from employing people as part of your business.

PR

Property & Contents

Consider protection for business premises, equipment, stock, contents and other assets.

BI

Business Interruption

Cover that can help address certain financial losses following an insured interruption.

CY

Cyber Insurance

Consider the risks associated with cyber incidents, data and technology.

SP

Specialist Covers

From professional risks to specialist industry requirements, additional covers may be relevant.

Built Around You

Your insurance should fit your business.

A sole trader working from home has very different risks from a manufacturer employing 50 people.

We look at the nature of your business and the risks you face before considering the covers that may be appropriate.

What you do Your trade, profession, services and day-to-day activities.
Where you operate Premises, offices, sites, vehicles and working locations.
Who you employ Employees, contractors and other people involved in your operation.
What you own Equipment, stock, tools, machinery and other business assets.
Who We Help

Businesses of all shapes and sizes.

From start-ups and sole traders to established companies, we work across a wide range of commercial sectors.

Trades & Contractors Builders, plumbers, electricians, joiners, decorators and specialist contractors.
Professional Businesses Consultants, accountants, recruitment, technology and office-based businesses.
Retail & Hospitality Shops, restaurants, cafés, hotels and customer-facing businesses.
Property Commercial property owners, landlords, managing agents and property businesses.
Manufacturing Manufacturers, workshops, factories and industrial businesses.
Transport Haulage, courier, logistics and transport related businesses.
Technology & Media Technology companies, media businesses, production and specialist digital operations.
Specialist Businesses Businesses with unusual activities or specialist insurance requirements.
Find Your Industry

Start with what you do.

We've created specialist pages for some of the businesses we help. Select your industry to find information relevant to your type of business.

Real Business Risks

What happens when things go wrong?

Insurance becomes important when an unexpected event threatens your business, your customers, your property or your income.

01 — LIABILITY

A customer is injured

A visitor suffers an injury while on your premises or as a result of your business activities.

02 — PROPERTY

Your premises are damaged

Fire, escape of water or another insured event causes damage to your business premises or contents.

03 — INTERRUPTION

Your business can't operate

An insured event prevents your business from trading normally and creates additional costs or lost income.

04 — EQUIPMENT

Essential equipment fails

Damage to important equipment or machinery disrupts your ability to carry out your work.

05 — CYBER

Your systems are compromised

A cyber incident affects your systems, data or ability to continue operating.

06 — PEOPLE

Something affects your workforce

Your responsibilities as an employer can create additional risks that need to be considered.

Why Dixons

A broker that starts with your business.

We don't believe commercial insurance should be a tick-box exercise.

We want to understand what you do, the risks you face and the cover you need before discussing suitable insurance options.

Commercial specialists Our focus is helping businesses understand and arrange commercial insurance.
Industry knowledge We work with businesses across a wide range of sectors and activities.
Insurance markets We can approach appropriate insurer markets based on the risks being presented.
Ongoing support Your business can change, so your insurance arrangements may need to change too.
Business Insurance FAQs

Questions businesses often ask.

Business insurance is a collection of commercial insurance covers designed to protect a business against different risks.The covers required depend on the nature of the business, its activities, premises, employees, assets and responsibilities.
There is no single package that is suitable for every small business.Depending on the business, considerations can include Public Liability, Employers' Liability, property, contents, business interruption, professional covers, cyber and specialist insurance.
Some types of insurance may be required by law depending on your circumstances, while others may be required by contracts, landlords, customers or lenders.The requirements should be considered based on your individual business circumstances.
The cost depends on factors such as your business activities, turnover, employees, premises, claims history, sums insured, limits of indemnity and the covers required.This means there isn't a standard price for every business.
We work with businesses across a range of sectors, including trades, contractors, professional businesses and specialist industries.Tell us what your business does and we can discuss the insurance considerations relevant to your operation.
Yes. Changes to your turnover, employees, premises, activities, equipment or contracts can affect your insurance requirements.It is important to review your arrangements when your business changes.
Let's talk

Your business is unique. Your insurance should be too.

Tell us what you do, where you operate and the risks you're looking to protect against.We'll help you explore the insurance options available for your business.

Get a Business Insurance Quote
Get a Quote

Tell us about your business.

Complete the form below and give us some information about your business and the insurance you're looking for.

Public Liability Quotes

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