Commercial Insurance Quote
Find out if you can get cheaper commercial insurance today.
Commercial Insurance for Your Business
Protecting your business from the unexpected is crucial for long-term success. Commercial insurance provides a vital safety net against the various risks and liabilities you face daily. At Riviera Insurance, we offer a comprehensive range of commercial insurance products designed to safeguard your business, your employees, and your assets.
As a specialist insurance broker, we search the market to find the most suitable and cost-effective protection for you. Our team of trained advisors provides a personal, non-call-centre service, negotiating directly with underwriters on your behalf to secure the best cover.
Bundle Your Commercial Insurance for Smarter Protection
Bundling commercial insurance policies into a single package provides a range of key benefits. Not only does it often lead to significant cost savings, but it also makes cover easier to manage, with one renewal date, one point of contact, and streamlined policy documents. In the event of a claim, a bundled policy can reduce complications and delays, as everything is housed under one provider — helping businesses get back on their feet faster and with less admin. It’s a smarter, more efficient way to protect your business.
What can Bundled Commercial Insurance Cover?
The following are the main products that can be included in a Commercial Insurance bundle:
Liability Insurance
Liability insurance is an essential form of protection for any business, designed to cover financial losses from legal claims if your business activities cause injury or property damage. Without it, you could face significant legal expenses and compensation payments that could jeopardise your financial stability. This category includes several key types of cover, such as protecting against claims from employees, the public, or customers harmed by a faulty product:
- Employers’ Liability Insurance is a legal requirement in the UK. This cover protects your business against compensation claims from employees who suffer an injury or become ill as a result of the work they do for you. The protection applies across all work environments, from an office to a construction site.
- Directors’ & Officers’ (D&O) Liability Insurance: Directors’ & Officers’ (D&O) Insurance protects the personal assets of your company’s directors and key managers. Company leaders can be held personally liable for alleged “wrongful acts,” such as a breach of trust, neglect, or making misleading statements. D&O insurance covers the cost of legal defence and any compensation awards, ensuring that an individual’s personal wealth is not at risk due to a decision made in their professional capacity.
- Public liability insurance protects your business if a customer, client, or member of the public is injured, or their property is damaged, because of your business activities. Whether you have visitors to your premises or work on client sites, this insurance protects you against compensation claims and legal expenses. We work with you to create a customised liability plan, ensuring the level of cover precisely matches your specific risks.
- Product Liability Insurance: If your business designs, manufactures, or supplies products, this insurance protects you against claims for personal injury or property damage caused by a faulty product. It covers the associated legal fees and court expenses, preventing your business from bearing the full financial burden of a claim.
- All-Risks Construction Insurance: A specialist type of construction liability insurance for builders, contractors and developers and covers a variety of risks, including public and product liability, employers’ liability, plant hire and joint names insurance if required. As a complex selection of products it is often best to speak to a specialist construction insurance broker.
Property Owners Insurance
Commercial Property Owners Insurance is a specialised policy designed to protect the physical assets your business owns or is responsible for. Riviera Insurance offers comprehensive policies that can be tailored to your specific needs, including:
- Building Cover: Protects the physical structure of your property against events like fire, natural disasters, or theft.
- Contents Insurance: Provides cover for the assets inside the building, including furnishings, machinery, office equipment, and stock.
- Loss of Rental Income Cover: Helps to cover your expenses and lost income if your property becomes uninhabitable or your business is temporarily shut down due to a covered loss.
- Business Interruption Cover: While property insurance covers the cost of repairing physical assets, Business Interruption insurance covers the loss of income and profits that your business would have earned had the disaster not occurred. It is a vital addition that acts as a financial lifeline, helping your business meet ongoing expenses—such as salaries, rent, and supplier payments while it is unable to trade following events like a fire, flood, or major theft.
- Malicious Damage Cover: Protection against damage caused intentionally by tenants.
- Property Owners Liability Cover: Protects you against lawsuits and legal claims related to your property and business operations.
Commercial Motor/Fleet Insurance
Motor Fleet insurance is a specialised insurance product designed to cover multiple vehicles under a single policy. It is an essential investment for businesses that rely on a fleet of vehicles to conduct their day-to-day operations. With fleet insurance, you can protect your vehicles, drivers, and cargo from accidents, theft, and other unforeseen incidents. Choosing fleet insurance ensures compliance with UK regulations while providing comprehensive cover, safeguarding your business from financial setbacks.
Professional Indemnity Insurance
Professional Indemnity (PI) Insurance is essential for any business that provides professional advice, services, or designs. It offers protection against claims of negligence, errors, or omissions that result in a financial loss for a client. This insurance is designed to cover not only the compensation awarded but also the legal costs of defending the claim, protecting both your finances and your professional reputation.
Cyber Insurance
Cyber insurance protects businesses from online attacks and risks posed by the internet. It also covers risks posed by using your IT systems and internal operating systems. In addition, a good cyber liability policy will provide you with additional business support, such as the recovery of lost data and a business interruption cover if the breach has forced you to stop trading temporarily.
Legal Expenses Insurance
Legal expenses insurance can be purchased to cover potential future legal costs. It provides access to legal advice and representation, with the costs and expenses covered by the policy. It is often sold as an add-on to other policies, such as motor insurance, to provide an extra layer of protection.
For businesses that rely on specialised machinery, Engineering or Plant Insurance is a critical operational safeguard. This policy provides cover for the accidental damage and breakdown of key equipment, from mobile construction plant to static factory machinery. Cover can be extended to include the cost of statutory inspections required by UK law and any resulting business interruption from machinery failure.
Other products that we offer…
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, providing a truly personal service across the UK – with no call centres. We take the time to understand your insurance needs to find you the most suitable policy at a competitive price.
With a range of optional extras available, you can tailor your cover to suit your needs and budget. Finding cheap insurance has never been simpler. If you are local to Torbay, you can even pop in to our high street office on Union Street in Torquay and arrange your insurance with us in person.
