Business insurance complete

Business Insurance

Once you have incorporated your business, one of your next considerations should be how best to protect your business from the unexpected.


Arthur J. Gallagher (UK) is part of Arthur J. Gallagher & Co, the fourth largest insurance broker in the world and a recognised industry leader in providing business insurance to UK SMEs across a wide range of industries and sectors.

What cover do I need?


Arthur J. Gallagher will find the best insurance deal for your business. To help you understand some of the key covers that are available, why not take a look at our business insurance checklist:

Employers’ Liability – do you employ staff and what would you do if they were injured working for you?

If you employ staff, it’s a legal requirement for businesses in the UK to carry Employers’ Liability insurance of at least £5m.  Failure to do so could result in a fine of £2,500 and there is also a risk that a business’s reputation could suffer.

Public Liability – could you continue to trade if you caused injury to a member of the public and they decided to bring legal action against you?

We live in an increasingly litigious environment. Although not mandatory, public liability protects businesses in the event that a claim is made against them by a member of the public following injury or damage to their property. The most common type of claim are slip and trips.

Property Damage – what would happen if your contents and stock were damaged or stolen?    

Cover can be arranged for your buildings, contents, computer equipment and stock.

Business Interruption – could you afford to keep your business running after a fire or a flood?   

In the event of a fire or a flood at your premises, it’s essential that you continue to trade so your revenue is protected. Business interruption cover kicks in following a property damage claim and helps you to maintain relationships with your customers and suppliers.

These are just a few of the covers that businesses need to consider at the outset of their journey – whatever your insurance needs are, we’ve got it covered.

If you would prefer to speak to someone about insurance today, please call our insurance help line on:

0845 023 0334

Calls to this number are typically charged at between 1p and 12p per minute depending on the time of day plus a call set up fee if you are calling from a landline. Calls from mobile phones generally cost between 5p and 40p per minute. For the avoidance of any doubt, please check with your service provider. Limited is an introducer appointed representative of Heath Lambert Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 1199129. Heath Lambert Limited is part of the Arthur J. Gallagher group

“*Based on the combined brokerage of Arthur J. Gallagher’s commercial broking business according to the Insurance Times Top UK Commercial Brokers 2013 as published in September 2013.

Thank you

Thank you for providing this information which will be sent to Arthur J. Gallagher. One of their executives will contact you within 24 hours of receipt (Opening hours are Monday to Thursday 8.30am to 5.30pm and Friday 8.30am to 5pm).

If you would like to speak to somebody now, please call our insurance line on 0845 023 0334.