Business Insurance

Since we started trading more than a decade ago, BJP have been expert brokers in the field of Business Insurance.

Whether you’re a one-man band or a thriving mid-sized company, you need quality cover that protects your business interests, staff and premises. We can provide you with that cover, working closely with you to find the best insurance solutions to fit your needs – and making sure you benefit from some of the best rates on the market.

What is Business Insurance?

Business Insurance is a term for a number of covers that protect your business against risks from different fronts. Every business is unique, and at BJP one of our main priorities is addressing your individual needs. However, there are some covers that are so essential as to apply to almost every company, whatever its size or activity.

Public Liability Insurance

This core cover protects you in case your business is sued for the injury – or even death – of a member of the general public, or damage to property belonging to a member of the public. You don’t have to work in an obviously dangerous trade in order for your business activities to pose a hazard. A court case could arise from something as simple as a client tripping over a cracked paving stone.

Employers Liability Insurance

If your business employs staff – even unpaid interns or part-time volunteers, Employers Liability Insurance is required by law. It protects you in case anyone in your employment files a claim against your business, covering legal expenses and any resultant damages you may have to pay.

Professional Indemnity Insurance

If your business offers services or advice to another business, you may find yourself in a position of being accused of providing ‘bad’ advice. Such cases can put companies out of business in a number of weeks. Professional Indemnity Insurance can protect you against the worst of the storm.

Property and Contents Insurance

Most businesses rely on exclusive premises and expensive equipment in order to operate. These could be destroyed overnight by anything from a fire to vandalism. Property and Contents Insurance ensures that you receive speedy repairs or replacements with minimum disruption to your business.

Who needs Business Insurance?

Any business operating in the UK needs some kind of business insurance. The type and extent of cover will depend on your activities. For example, a manufacturing firm will need a strong focus on public and product liability cover as well as a robust employers liability. A pub, on the other hand, will have to have to think about such issues as theft and loss of licence – both of which can be insured against.

It’s always best to buy your Business Insurance through a professional broker such as BJP, who can work closely with your business to make sure you receive the right insurance solution tailored specifically to your needs and at the best available price.

Why choose BJP for my Business Insurance?

BJP is a successful independent insurance broker. We serve businesses throughout the UK. We’re not a fill-in-the-box broker, but a company of professionals who will stay in touch with your business and provide ongoing, effective solutions to your insurance and risk management problems.

Our team of professionally-trained brokers have the knowledge, experience and skill to find you the right insurance for your needs at a competitive price.