Commercial Business Insurance
Bespoke insurance for your business
Commercial insurance protects businesses against losses suffered in the course of their normal activities, particularly when the business faces property damage or a compensation claim. The main covers include public liability insurance, employers’ liability insurance, professional indemnity insurance, products liability insurance and business interruption
All you need to know is about your own business, not get bored to tears with the mountain of insurance terms and jargon. You simply tell us about your business, we carry out a full fact find and use our knowledge of the market to find the best available terms, specifically tailored to your business needs
We are a specialist commercial business insurance broker with over 15 years experience in the market. The only markets we use are A rated and because of this we have preferential rates available that tips the scales back in our clients favour. We are a family run, small business and we believe we’re different, we don’t follow the crowd, we do things our way and make sure all our customers come first. Insurance can be a daunting prospect with a minefield of jargon to navigate. At DPI we simplify the complexities of insurance to create bespoke solutions tailored to every customers personal needs
“DPI are always on hand to discuss insurance matters at length and are quick in assessing the complexity of issues enabling them to provide sound advice and guidance, often out of hours. I have never felt that their advice or service was compromised by budgetary constraints. We recently had a devastating fire which totally destroyed our main woodworking manufacturing facility. Our account manager was on site within a day and remained on hand to guide us throughout the complex claim process which has proved invaluable. I can, without reservation, say that DPI’s advice and service provide us with essential protection which will compliment and add value to any business or individual.” – Leonard Pitt, Shellen Construction Limited
Manufacturing businesses require a detailed approach when it comes to insurance. We look at your entire process and tailor all our insurance policies to fit your individual business, from wage roll and waste management to work away and specialist machinery cover. We look at a wide variety of trades in this sector such as:
- Metal working
- Furniture Making
- Food & Drink
- Doors and windows
- Office Equipment
Wholesale businesses need to consider a variety of insurance products to make sure there entire business is covered correctly, we look to make this as simple as possible. By taking a detailed business description we identify what insurance cover you need and what areas you could consider protecting in the most cost effective way. We look at a wide variety of trades in this sector such as:
- Builders Merchants
- Electrical Wholesalers
- Office Equipment
- Food & Drink Wholesalers
- Timber Products
- Machinery & Equipment
The retail sector is subject to scrutiny on a day to day basis and there are good and bad days (most of the time). The risks to your business can be similar and we offer packages that tailor to the exposure you have, such as theft, property & stock damage, and of course the golden customers that walk through your door. We look for retail insurance for the following trades:
- Grocery Shop
- Clothes Shops
- Household Appliances
- Office Equipment
- Health Products
- Online Retailer
What cover does your business need?
Regardless of what trade or sector your business is in, we will look to carry out the same service and procedure when we look at quoting you. We will first of all look to understand your business and the activities that it goes through day in, day out. Once we have gone through a detailed question set we will look at recommending the most cost effective way to cover your entire business with bespoke insurance policies. Insurance can be quite complex, so we make sure we explain everything in the simplest way possible and are always at the other end of the phone to all our clients if anyone has a query.
Employers Liability covers the cost of claims brought about by illness or injury to the employees.
Public Liability covers the cost of claims brought against a company by a third party whilst on the premises.
Products Liability covers the cost of claims caused by a product made or distributed by the business.
Business Interruption covers the cost of all the income lost as a result the business not being able to function normally, often brought about by a disaster.
Also known as Directors and Officers Insurance, covers the cost of legal action brought against the directors of the company when they are held personally liable
Building insurance covers the cost to repair or rebuild the building in which you work from in the event of property damage. You can also cover the damage to the contents within the building.
Professional indemnity covers you when you are deemed to have given your professional guidance or advice, that has resulted in a loss.
All Risks insurance covers specified items when they are away from the work premises, when they are damaged or stolen.
Personal Accident Cover
Personal Accident cover compensates you against injuries to employees in the workplace, can also cover against loss of income brought about by the injury.