Business Premises Insurance

Commercial Premises Insurance for Shops, Offices, and Workshops
– Keep Your Doors Open

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Business Premises Insurance

Whether you run your business from an office, a shop, a workshop or any other kind of business premises, insurance is vital to keeping the doors open.

A serious incident, be it flood, fire, or a break-in, could have very serious implications – so you need to know that you have the required insurance to recover quickly if the worse should happen.

At NICEIC and ELECSA Insurance Services, we have the knowledge and expertise to help you find the right cover – protection that’s matched to the risks you face – at the right price.

Our Insurance Cover for Your Business Premises

We’ll draw on our 15 years’ experience to help find you insurance that protects you, your business, customers, employees, and the general public.

Our insurance for business premises is comprehensive and flexible. Simply add optional extra covers to build protection that’s right for your business.

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We Offer the Following*1&2

  • Contents.

  • Accidental damage.

  • Glass.

  • Business interruption.

  • Employers liability.

  • Public and products liability.

  • Book debts/account receivable.

  • Money in safe.

  • Money on premises.

  • Legal expenses.

  • Subsidence.

  • Loss of rent receivable.

  • Tenants improvements.

  • Terrorism.

  • Goods in transit.

  • Buildings.

The Power Behind Your Business

We provide the power to  protect your business premises and keep the doors open, so you can continue to look after your customers.

Your contents, stock, and equipment are typically an important part of your business – without them it may difficult to continue to trade. But if you own the building you need to think about cover for the building itself.

We appreciate that you’re probably rushed off your feet and may not have time to spend researching the different insurances you may need for your business premises. Whether it’s a shop or office you operate from, we arrange flexible office insurance, workshop insurance or shop insurance that can be adapted to your individual needs from our panel of UK based insurers.

Put us to the test – contact us today to see how we can help.

Get a quote 01133960346

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Why Choose Us?

NICEIC and ELECSA Insurance Services is part of Marsh Commercial, an award winning expert in insurance and risk management. We currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK, so it’s safe to say we have the experience and expertise to help our business insurance customers obtain the cover they’re after, at the right price.

We’ve the experience and expertise to help you find the insurance you’re looking for. We’re part of a global insurance broker, so we employ the size and scale of our business to help negotiate with insurers the best possible price and cover we can, for the benefit of our customers.

Rest assured, we’re here to support you during the lifetime of your insurance – from setting up the cover, right the way through to renewal, and importantly we provide a professional claims advocacy service to look after you every step of the way in the event of a claim.

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Related FAQs

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What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

What is a Labour-only Sub-contractor?

Labour-only sub-contractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency.

Are Bona Fide Sub-contractors Treated as Employees?

Bona Fide sub-contractors are paid by the main contractor, but work under their own direction, provide their own materials and tools – and usually have their own public liability insurance in place.

What is Professional Indemnity Insurance?

Professional indemnity cover protects you and your business in the event of legal claims relating to advice you have provided and will cover the cost and expenses incurred in your defence.

What is Efficacy Cover?

Efficacy cover provides liability cover which protects you in the event of an injury to a third party or damage to their property, as a result of a product or service’s failure to perform its intended function. This may include failure due to a product fault or its installation, such as: - An alarm system. - A fire control or extinguishing system. - An electronic security system e.g. shutters, access gate, or CCTV cameras.

What is Contract Works Insurance?

Contract works insurance protects against damage to any property that is part of the permanent or temporary works being executed by you – that includes things like materials and other items supplied or used in connection with the contract.

What is Own and Hired in Plant Insurance?

Own plant and/or hired in plant cover is vital for any tradesmen who often use complex plant machinery and equipment at work. It either covers loss or damage to plant you own, or any legal liabilities resulting from loss or damage to plant you have hired in – for instance compensation due under any hire agreement.

*1 Cover may differ dependent upon insurer.

*2 As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.


What our customers say

Helpful staff over the phone with best price for the level of cover I have requested.
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