Small Business Insurance
If you own and run a small business, you will need Small Business Insurance. The nature of insurance required can vary from business to business, so it is important that you seek advice from a trusted professional when you are looking for cover that is not only competitively priced, but also comprehensively and appropriately covers everything that you need it to.
For many small businesses, particularly Shops and Offices, a ‘package’ policy will suit your requirements. These policies are designed to automatically include all the usual covers required for small businesses in lower risk occupations including:
- Buildings and/or Tenants Improvements
- Contents and Equipment
- Business Interruption (Loss of Gross Profit or Gross Fees following a claim for damage)
- Public and Employers Liability
- Industry specific extras such as Refrigerated Food and Loss of Licence
The simplified rating structure enables small businesses to purchase comprehensive cover at competitive premiums, whilst also ensuring that the policies are adequate and appropriate for their unique business.
All of the insurance products that Lumley Insurance Limited offer can be tailored to your specific business and unique needs, and should help to bring business owners greater peace of mind should the worst ever happen to, or within, their business. Lumley Insurance work hard to ensure that all businesses are adequately covered by appropriate and comprehensive insurance policies (though rely on the business owner providing detailed information about the item(s) being insured), and use the extensive knowledge and experience gained from the last four generations working within the High Value Insurance industry to ensure our customers always receive the very highest quality cover and customer care.
How to proceed
Please note that our office opening hours are 8.30am to 5.30pm Monday to Friday, and that we aim to respond to your enquiry as soon as possible within these times.