Independent insurance broker

Know what it doesn't cover. Before you need it.

We place cover for trades, shops and small firms. Every policy on earth has exclusions — ours are printed further down this page, in the order people usually find them out.

Start a quote Read the exclusions

Three levels, and what each one is for

Essentials

$1m public liability

Public liability
Employers' liability if you have staff
Tools cover to a set limit
The cover most contracts ask for

Quote Essentials

Standard

$2m public liability

Everything in Essentials
Higher tools and stock limits
Business interruption
Legal expenses included, not bolted on

Quote Standard

Full

$5m public liability

Everything in Standard
Professional indemnity
Contract works
Cover for named subcontractors

Quote Full

Those are cover limits, not prices. Your premium is set by the insurer against your own trade, turnover and claims history — we get it quoted and show you the working, including what we're paid.

What no policy covers

Wear and tear — Insurance pays for sudden and accidental, never gradual
Work you did badly — Liability covers the accident, not re-doing the job that failed
Tools left in a van overnight — Excluded on most policies unless the van is alarmed and you asked for it
Anything you didn't declare — An undeclared trade, claim or conviction can void the whole policy
Fines, and most cyber losses — Separate covers — and some fines cannot be insured at all

These are the ones people discover at claim time. We would rather you read them now and buy the right thing than read them later and feel misled. If any of them worries you, there is usually a cover for it — ask.

What happens when you claim

Call us, not the insurer

One number, in office hours or out of them. We would far rather hear about it on the day than a fortnight later.

We notify and open the file

Same day wherever we can. You get the claim number and the name of the person handling it, not a portal reference.

The adjuster visits

We tell you what they'll ask, what to photograph and what not to throw away. Keep the damaged thing, whatever it is.

The insurer decides

That decision is theirs, not ours. If it comes back wrong we say so in writing and take it up — and we tell you plainly if we think they're right.

What a working business actually needs

Public liability — If your work injures someone or damages their property
Employers' liability — Required by law the moment you have staff, casual included
Tools and stock — Named, valued, and out of the van overnight
Professional indemnity — If it's your advice or your drawing that goes wrong
Business interruption — The one that pays the wages while you're shut

What gets sold hardest, and rarely earns it

Cover you already hold twice — It happens more than you'd think — two premiums, one risk
Legal expenses as an add-on — Often already sitting inside the liability policy you have
Key person cover on a sole trader — There is no key person to replace except you
Every optional extra at once — Each is a small premium and a big excess
A limit far above your contracts — Match the limit to what your contracts actually demand

Start a quote

Nothing here is a quote and nothing here is binding. It tells us which insurers to approach and what to ask you next — the insurer sets the premium once it has seen the full picture.

★★★★★

“They found we were paying for two liability policies through two different brokers, and cancelled one of them. That conversation cost them money.”

Ines R.

Shopfitting, six staff

★★★★★

“The claim took eleven weeks and I knew where it was every single week. I never once had to explain the story twice.”

Callum B.

Water damage claim

We diarise your renewal

Six weeks before your cover lapses you get a call, not an auto-renewal letter. That is most of what a broker is for: somebody else remembers the date, and somebody else re-checks the market while there is still time to move.

Start a quote

Already insured elsewhere? Send us the schedule and we'll read it for gaps, free, whether or not you move to us.

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