Whether you run a small or medium enterprise (SME), you’ve worked hard to build your business and reputation, and we're here to help you maintain it by keeping things running smoothly – giving you the confidence to thrive.
With our SME Insurance, you can protect yourself, your employees, and your business assets. Our policies include cover suited to a variety of businesses – from manufacturer and wholesale, to retail and hospitality. They're also flexible so you can choose optional cover to meet your business' needs now and in the future.
Key things to know about our cover:
- Property - your contents and stock are covered as standard and includes cover for your customer's goods if you're responsible for them. There's also the option to add cover for your buildings if you need it.
- Money - loss or theft of money up to £5,000 on your premises during business hours. This includes money you're transporting to the bank or whilst in a safe on your premises overnight.
- Liability - you or your employees may be held responsible for accidental injury to customers or the public, or for damage to their property. Our normal cover is £2.5 million but you can choose higher limits. Also, as an employer, you have a legal responsibility to hold Employers' Liability Insurance. We provide £10 million as standard but higher limits are available.
We can explain what limits and exclusions apply, so you can ensure the cover is right for you.
What additional covers could I get for my business?
We can offer cover that protects not only your van or pick-up, but the tools you need for the job as well. So, should anything happen, we can have you road-ready and back out to work as soon as possible.
And should your van be stolen or damaged beyond repair in an accident, we have you covered with the offer of a courtesy vehicle while a replacement is found.
Our comprehensive Light Goods Vehicle Insurance cover
Before we provide a quote on Light Goods Vehicle Insurance, you are likely to have questions about what’s on offer to compare with other policies.
- Does our Light Goods Vehicle Insurance cover tools?
Yes, up to £500 if they are lost due to damage or stolen from a locked vehicle.
- What if my vehicle is off the road?
We’ll provide a courtesy vehicle for 14 days if yours is stolen or written-off and you report the loss to our claim helpline.
- Will we replace a new vehicle?
Yes, if it’s a UK model purchased as new in the last year when it’s stolen or written off.
- What if one of my drivers is injured in an accident?
You can claim medical expenses up to £250 for injury to anyone in the insured vehicle.
- What about a no claims discount?
You can choose additional cover to protect your no claims discount covering up to two claims in five years.
These are just some of the benefits of our Light Goods Vehicle Insurance. Talk to one of our local agency offices to find out more.
As a business owner, you know how important it is to safeguard your business for the future.
It’s your responsibility to think about every eventuality, including the possibility that things might go wrong – the possibility that a business partner or key employee could die or become critically ill and not be there to support the business.
We believe that taking care of the long-term financial security of your business is an essential and not a ‘nice to have’, which is why we’ve teamed up with AIG to bring you a wide range of protection covers to help you take care of the future of your business.
Some businesses address the financial impact of losing a key person or key personnel and have an effective continuity or succession plan in place. Does your business?
We’re here to help you protect the relationship you have with your customers and the financial future of your business and your employees.
NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers. They'll explain the advice services we offer and the charges. Financial advice is provided by NFU Mutual Select Investments Limited.
Ensuring you have the right health and safety procedures in place in your business, and keeping them up to date, can be complex and time-consuming.
Our team of health and safety professionals visit businesses to provide guidance on what steps they need to take to reduce risks and comply with health and safety legislation. That way you can get on with what you do best - growing your business.
We’re experienced at working with companies in a variety of sectors, from retail to manufacturing. We can explain your responsibilities under the law and provide tailored recommendations to help improve safety for companies, their staff and their customers.
We’ll help you to future-proof your business and give you peace of mind that it’s safer for you and your employees.
NFU Mutual Risk Management Services Limited and are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
We can help safeguard your business against legal liabilities connected with your day-to-day business activities.
As part of our business insurance we can offer comprehensive cover including employers' liability, public liability and product liability and can cover you against:
- Damage to vehicles legitimately parked at your premises
- Costs to defend proceedings against you under legislation relating to:
o Corporate manslaughter
o Health and safety
o Data protection, up to £500,000
o Defective premises
o Food safety and consumer protection
- Damage to premises hired or rented to you in connection with your business.
As an employer, you have a legal responsibility to buy employers' liability insurance. It's vital to check what your personal requirements are to avoid potentially high sanctions.
We provide £10 million as standard cover but higher limits are available. Our employers’ liability insurance covers damages the employer is legally liable for arising from injury and illness to employees, including while working abroad for up to 60 days.
As a business, you or your employees may be held responsible for accidental injuries to clients, customers or the public or for damage to their property. Even if your business wasn't at fault, legal defence can often prove costly and detrimental to business. We can protect you against these damages. Our normal cover is £2.5 million or you can choose higher limits to meet the specific needs of your business or clients.
Product liability includes damages arising from injury to the public or their property that is caused by your products.
Cyber Insurance provides comprehensive cover for cyber risks facing businesses today, including protection against cyber-attacks and data breaches, as well as providing access to cyber risk experts.
Cyber insurance supports businesses dealing with different types of cyber related threats, such as:
- Data breaches
- Employee error or sabotage.
It can also extend to include:
- Impersonation fraud
- Telephone hacking
- Funds transfer fraud.
What can Cyber Insurance cover?
Typical first and third party cover benefits include:
- Forensic services
- Legal services.
- Data protection investigation
- Defence costs and fines.
- Credit monitoring
- Data restoration
- PR and communications.
At NFU Mutual, through carefully chosen products provided by our expert partners, we can provide cover, support and help you put plans in place to protect you and your business should the worst happen.