What Insurance Does My Business Need?
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Commercial insurance that actually fits your business
Here’s the problem with buying commercial insurance online. You fill in a form, pick your business type from a dropdown, and hope for the best. But a sole trader electrician doesn’t need the same cover as a restaurant with 30 staff. And a tech consultancy doesn’t face the same risks as a construction firm.
That’s where we come in. Tell us about your business, and we’ll connect you with a specialist insurer who actually understands your industry. Not a generic form. Not a one-size-fits-all policy. We look at what you do, where the risks are, and who’s best placed to cover them. It takes minutes, it’s free, and there’s no obligation.
What commercial insurance do you need?
Public Liability Insurance
If your business interacts with the public, visits client sites, or has visitors to your premises, you’ll need this. It covers injury…
Professional Indemnity Insurance
Made a mistake in your professional advice? Given a recommendation that costs your client money? Professional indemnity covers claims from errors, omissions,…
Employers' Liability Insurance
If you employ anyone, even part-time or seasonal staff, this is a legal requirement. It covers claims from employees who are injured…
Commercial Property Insurance
Whether you own or lease your premises, building cover protects the structure and fixtures against fire, flood, storm, and subsidence. One thing…
Commercial Combined Insurance
This bundle property, liability, business interruption, and contents cover into a single policy. It’s simpler to manage, often more cost-effective than buying…
Tradesman Insurance
Public liability, tools cover, employers’ liability, and professional indemnity for tradesmen. Builders, electricians, plumbers, roofers, painters, and landscapers. Cover that matches what…
Shop and Retail Insurance
Cover for your premises, stock, contents, plate glass, business interruption, and public liability. Whether you run a boutique or a hardware store,…
Office Insurance
Covers your office space, equipment, contents, and the liability risks that come with having staff and visitors on site. It also includes…
Hospitality and Tourism Insurance
Hotels, B&Bs, restaurants, pubs, cafes, and activity centres all have their own set of risks. Seasonal trading, loss of licence, stock cover,…
Landlords Insurance
Buildings, contents, rent guarantee, liability, and legal expenses for buy-to-let and rental properties. Covers long-term tenancies, holiday lets, HMOs, and portfolio properties…
Fleet and Commercial Vehicle Insurance
From a single van to a multi-vehicle fleet. Includes goods in transit, breakdown, and replacement vehicle cover. It’s priced on how your…
Cyber Insurance
Data breaches, ransomware, cyber attacks. They’re not just a big-company problem. Cyber insurance covers the cost of incidents and the business interruption…
Tell Us About Your Business
We’ll match you with a specialist insurer who understands your industry. It takes minutes, it’s free, and there’s no obligation.
Why use Cotter Insurance?
Most businesses buy insurance the hard way. They search online, fill in the same details three or four times, and end up guessing which policy is right. We take that off your plate. You tell us what your business does. We connect you with the right insurer. That means someone who actually specialises in your sector, understands your risks, and can put the right cover in place. And the difference shows up when you need to claim.
- We match you with specialist insurers. Not a random list of results. We connect you with insurers who know your industry and cover businesses like yours every day.
- We focus on the right cover, not just the lowest price. The cheapest policy isn’t always the best one. We make sure the cover actually fits what your business needs.
- We cover the whole UK. Tell us what you need online, and we’ll find the right insurer wherever you’re based.
- We keep it simple. No jargon. No hard sell. Just clear information about what you need, why you need it, and who can help.
What sectors do we cover?
Hospitality and tourism. Hotels, B&Bs, restaurants, pubs, activity centres, event venues.
Construction and trades. Builders, electricians, plumbers, roofers, scaffolders.
Property and landlords. Buy-to-let, holiday lets, HMOs, commercial property.
Retail. Independent shops, galleries, food shops, and farm shops.
Professional services. Consultants, accountants, architects, IT firms, agencies.
Transport and logistics. Fleets, couriers, haulage, and commercial vehicles.
FAQs
It depends on what you do, where you work, and who you employ. Most businesses need public liability as a minimum. If you’ve got staff, employers’ liability is a legal requirement. Beyond that, your cover depends on your specific risks. Tell us about your business and we’ll recommend the right combination.
It’s straightforward. You tell us about your business, what you do, and what cover you’re looking for. We then match you with a specialist insurer who covers businesses like yours. They’ll get in touch with the right options for you. There’s no charge for using Cotter Insurance, and no obligation to go ahead.
Absolutely. Start-ups need insurance from day one. We work with insurers who cover new ventures and can arrange a policy based on your projected turnover and activities. You don’t need years of trading history to get covered.
For straightforward risks, you can have cover in place the same day. More complex or specialist policies may take a little longer while we find the right insurer for your needs. If you need urgent cover, let us know and we’ll prioritise it.
We do. When you need to claim, we’ll guide you through the process and help you deal with the insurer. You’re not left on your own with a claims hotline.
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We’ll match you with a specialist insurer who understands your industry. It takes minutes, it’s free, and there’s no obligation.
Phone
01736 753223