Business Insurance Products
Commercial Insurance Solutions for UK Businesses
At Edison Ives, we help businesses explore commercial insurance designed around their activities, assets and responsibilities.
From everyday business insurance to more specialist protection, our team can help you understand the cover available and consider suitable insurance options.
Browse our insurance products below or speak to us about your business requirements.
Explore Our Insurance Products
Different businesses require different types of insurance. Select a product below to learn more about the cover, important considerations and how Edison Ives can help.
Business Interruption Insurance
Protection against certain financial losses following an insured interruption to business operations, subject to policy terms and indemnity periods.
Commercial Combined Insurance
Insurance that can bring together property, liability, stock and business interruption protection within a commercial policy.
Commercial Vehicle Insurance
Motor insurance for vans and other eligible vehicles used for business purposes, with cover options depending on the vehicle and its use.
Contractors Combined Insurance
Insurance for contractors that may combine liability, contract works, tools, plant and other relevant covers.
Employers’ Liability Insurance
Cover for qualifying employee injury or illness claims. Legally required for most UK employers, subject to exemptions.
Fleet Excess Protection
Specialist insurance that may reimburse eligible motor fleet policy excess payments, subject to the selected aggregate limit and policy conditions.
Goods in Transit Insurance
Protection for specified loss or damage to insured goods while being transported, subject to ownership, responsibility and policy terms.
Intellectual Property Insurance
Specialist protection that may cover certain legal costs associated with defending or pursuing intellectual property infringement claims.
Motor Fleet Insurance
Insurance for businesses operating multiple vehicles, including eligible cars, vans and commercial vehicles under a fleet arrangement.
Office Insurance
Insurance for office-based businesses, including options for contents, equipment, liability and business interruption protection.
Plant & Business Equipment Insurance
Protection for eligible owned or hired-in plant, machinery and business equipment against specified insured risks.
Pollution & Contamination Insurance
Specialist cover for certain pollution liabilities, environmental incidents and associated clean-up or remediation costs.
Product Liability Insurance
Protection against certain legal liability claims involving injury or property damage caused by products supplied, sold or manufactured by a business.
Professional Indemnity Insurance
Cover for certain claims arising from professional services, advice, design work, errors or alleged negligence.
Property Owners Insurance
Insurance for residential and commercial landlords, property investors and owners of let or mixed-use premises.
Public Liability Insurance
Protection against certain legal liability claims involving injury to third parties or accidental damage to their property.
Retail & Shop Insurance
Insurance for retailers and shops, including options for stock, contents, liability and business interruption.
Cyber Liability Insurance
Specialist insurance for certain cyber incidents, data breaches, interruption to operations and associated response costs.
Commercial Property Insurance
Insurance for commercial buildings and property ownership risks, including specified property damage and liability exposures.
Warehouse Insurance
Insurance for warehouses and storage operations, including buildings, stock, equipment, liability and business interruption considerations.
All insurance is subject to insurer acceptance and the applicable policy wording, limits, exclusions and conditions.
How Do You Choose the Right Business Insurance?
The appropriate insurance arrangement depends on your business activities, the assets you own, your employees and the risks associated with your operations.
Important considerations may include:
- The type of business you operate.
- Whether you employ staff.
- The value of your buildings, contents and stock.
- Any vehicles, machinery or specialist equipment.
- Whether you provide professional advice or services.
- Whether you manufacture, distribute or sell products.
- Your contractual insurance obligations.
- Potential disruption following property damage.
- Previous claims and changes to your business.
Some businesses may be suited to a package policy, while others require a combination of individual and specialist insurance products.
Why Use an Insurance Broker?
Commercial insurance policies can differ considerably between insurers, even when the product names appear similar.
An insurance broker can help you assess your requirements, understand available options and consider important policy terms.
At Edison Ives, we aim to provide clear, practical support when arranging and reviewing your business insurance.
We can help you consider:
- Relevant types of cover.
- Appropriate sums insured and liability limits.
- Important exclusions and endorsements.
- Changes to your business and insurance needs.
- Policy renewal options.
- Claims-related support in accordance with our service arrangements.
Insurance for Specialist and Higher-Risk Businesses
Some businesses require more specialist insurance arrangements because of their activities, previous claims or unusual exposures.
We can help explore insurance options for businesses operating in sectors such as construction, manufacturing, security, warehousing and other specialist industries.
We can also discuss circumstances where a business has previously been refused or declined insurance.
Explore our wider Business Insurance Expertise or read more about Refused or Declined Insurance.
Why Choose Edison Ives?
We understand that businesses need insurance arrangements that reflect how they actually operate.
Our approach focuses on understanding your requirements, considering relevant insurance options and helping you make informed decisions.
- Commercial insurance broking support for UK businesses.
- Assistance with standard and specialist insurance requirements.
- Consideration of relevant policy limits, exclusions and conditions.
- Support when reviewing insurance at renewal.
- Help with policy changes as your business develops.
Part of David Roberts & Partners
Edison Ives is proud to be part of David Roberts & Partners Ltd, an independent insurance broker group.
Frequently Asked Questions About Business Insurance
What types of business insurance are available?
Common products include Public Liability, Employers’ Liability, Commercial Combined, Professional Indemnity, property, motor and business interruption insurance. Specialist cover may also be available for particular industries and activities.
Is business insurance compulsory in the UK?
Some insurance is legally required in certain circumstances. For example, most businesses employing staff must have Employers’ Liability Insurance, subject to exemptions. Motor insurance is also compulsory for vehicles used on public roads and other public places, subject to applicable law.
Can different business insurance policies be combined?
Yes. Commercial Combined and other package policies may bring several types of cover together, depending on the insurer and business activities.
Can Edison Ives help with specialist insurance?
We can explore insurance options for a range of specialist business activities, subject to insurer appetite and acceptance.
How much does business insurance cost?
Premiums depend on factors such as your activities, turnover, employee numbers, property values, claims history and the cover required.
Can I review my existing business insurance?
Yes. We can discuss your current arrangements and whether the cover remains appropriate for your business.
Need Help Choosing Business Insurance?
Speak to Edison Ives about your business activities, existing insurance arrangements and the protection you may require.
Our team can help you explore commercial insurance options suited to your circumstances.
Contact Edison Ives
Call 0113 390 4646
Email info@edinsure.co.uk
Office Block 2, Dragon Court, Springwell Road, Leeds, LS12 1EY