Business Insurance

Protect Your Business with the Right Insurance Coverage.

Policy Wording

Summary Of Cover

Cover Overview

Whether you’re creating handmade crafts, baked goods, or custom items, insuring products made at home is essential for protecting your business. Cover such as damage or theft of equipment or stock – at home or whilst away from your premises, public and/or employers’ liability ensures peace of mind by safeguarding your work and finances, especially if your products are sold to the public directly, or through online platforms.

Our Policy Includes

Material Damage sums insured up to £10,000 at home and £5,000 away from home available

Policy includes Specified Perils and All Risks cover as standard

Options of £1M, £2M, or £5M limit of indemnity for Public & Products Liability

Employers’ Liability limit of £10M available if required

How It Works

Following damage to your business equipment, stock, or tools of trade or, if an allegation of negligence is being made against you, the below process is how insurers will view the event, and how your loss will be treated.

Advise Insurers immediately if you have suffered a loss or been accused of causing injury or damage to a third party.

Insurers will need you to verify any material damage loss before making a payment. This will include, but not limited to, how, when and where the damage occurred and how much is the loss.

If an allegation of negligence has been made against you; insurers will review the circumstances and advise you of the next steps. Insurers may also take control of any claim and handle everything on your behalf.

In the event of a claim or an allegation of negligence being made against you:

DO NOT admit liability and advise insurers immediately.
Insurers will review the details of the allegation and advise regarding legal liability.
Insurers will take full control of the claim and act on your behalf when dealing with your client and/or their legal representatives.
Insurers will pay settlement and claim costs, less the applicable excess.

Testimonials

“I’m very pleased with the service I received from Trafalgar Risk Management. The online portal was very easy to use, they answered my questions quickly and efficiently, and I loved their personal touch. Every time I reached out, I got a customised response instead of the usual runaround experience when dealing with big companies.”

Marta

AAT

“My enquiry was dealt with efficiently & effectively and I was advised at each stage. I am very happy with the service I received - Thank you very much!”

Claire

BADN

“I have used Trafalgar Risk Management for my insurance needs for a few years now. I have always found that they have a clear pricing structure are competitively priced and responsive to questions, I will certainly use them again.”

Ian

IOSH

“The team at Trafalgar were most helpful in reinstating my policy after I had overlooked the various reminders and it had lapsed. Communication was speedy and efficient.”

Julie

CIOL

“I have found Trafalgar Insurance to be an excellent company to deal with. The quote for professional insurance was competitive, the service when I had a query was swift and cheerful. All that you could want really. No complaints from me, just compliments. Well done”

Simon

IOSH

“Trafalgar offer great-value policies, genuinely take the time to listen, and are excellent at resolving issues when they arise.”

Ian

AAT

“Following an issue accessing Outlook on Microsoft 365, I was forced to create another email account which, amongst other things, required resetting my password to my new email address to access MyTrafalgar. When I encountered a problem doing this myself, the Trafalgar and TRM team were able to resolve the issue within 24 hours and could not have been more helpful in their response. Many thanks!”

Paul

IOSH

“Fantastic service and extremely efficient in helping me with my query.”

Cheers

AAT