Business Details
24 Years
experience
Trusted Business Insurance Solutions in London
Established in 2002, S M E Insurance has been dedicated to providing tailored insurance solutions for small and medium enterprises across the UK. Our mission is to simplify the process of securing comprehensive coverage, ensuring businesses can focus on growth with confidence. As a broker, we collaborate with a panel of A-rated UK insurers to offer competitive policies that address diverse risks, from public liability to business interruption. Our team prioritises transparency, with no hidden fees and flexible payment options, including direct debit.Clients benefit from 24/7 access to legal helplines, personalised support from dedicated advisers, and additional resources like free business insurance checks and renewal reminders. With over two decades of experience, we combine deep industry expertise with a client-centric approach, ensuring businesses receive protection that aligns precisely with their operational needs.
Services
Business Insurance
Public Liability
Employers Liability
Product Liability
Professional Indemnity
Business Interruption
Building Cover
Cyber Insurance
Stock Insurance
Details
- Year established: 2002
Highlights and features
- We have over 20 years of experience in SME insurance.
- We offer access to A-rated UK insurance providers.
- Our policies include 24-hour legal helpline support.
- We provide tailored insurance with no hidden fees.
- Our team delivers personalised guidance throughout your policy.
Associations and certifications
- Financial Conduct Authority
Services
Business Insurance
Business insurance protects against risks inherent to daily operations, including liability claims and property damage. It ensures financial security for unforeseen events, covering legal costs and compensation. Our policies are tailored to sectors like retail, hospitality, and healthcare, providing peace of mind for SMEs.
Public Liability
Public liability insurance safeguards businesses if third parties suffer injury or property damage on premises. It covers legal fees and compensation, essential for shops, restaurants, and service providers. This cover is crucial for maintaining client trust and financial stability.
Employers Liability
Employers liability insurance is legally required for businesses with staff. It covers costs if employees are injured or ill due to work. This policy ensures compliance and protects against financial losses from workplace incidents, supporting long-term operational continuity.
Cyber Insurance
Cyber insurance mitigates risks from data breaches and online fraud. It covers recovery costs for IT systems and legal expenses. This service is vital for businesses handling sensitive data, offering resilience against evolving digital threats and regulatory penalties.
Business Interruption
Business interruption insurance replaces lost income during closures caused by disasters like fires. It covers fixed expenses and wages, ensuring financial stability. This policy supports rapid recovery and minimises long-term operational disruptions for SMEs.
Questions
What types of insurance do you offer for small businesses?
We provide public liability, employers liability, business interruption, cyber insurance, and sector-specific covers tailored to SMEs.
Is employers liability insurance legally required?
Yes, if you employ staff, employers liability insurance is mandatory to cover workplace injury claims.
How are insurance premiums calculated?
Premiums depend on business size, industry risk, coverage levels, and claims history, ensuring tailored pricing for your needs.
Do you offer 24/7 support for policyholders?
Yes, we provide a 24-hour legal helpline and dedicated adviser support throughout your policy term.
Can I adjust my policy mid-term?
Yes, we offer flexible policies with no mid-term amendment fees to accommodate changing business requirements.
Are there discounts for bundling multiple covers?
Our tailored policies often include bundled options for cost efficiency, discussed during your free business insurance check.
