Small to medium enterprises

For SMEs, the risks of running a business are magnified. Where larger businesses have a cushion of financial protection that helps them get through tough periods, smaller businesses have fewer staff, lower budgets, and less cash flow, making them vulnerable to the unexpected.

Our bespoke SME solutions are designed to help your small business protect itself against everything from material losses and interruptions to professional liability and cyber-crime. It’s about being prepared, so a minor event doesn’t become a major threat to your business.

SME solutions can include:

• Material Damage - replaces business assets after a loss
• Business Interruption - covers loss of income
• General Liability - covers your legal costs and compensation payments after accidental damage to third-party property
• Professional Liability - covers legal defence costs and compensation payments following a breach of professional duty
• Commercial Motor Vehicle - covers repairs or replacement of vehicles following an accident
• Cyber Liability - covers loss of income and loss mitigation costs in the event of a cyber breach.