SMEs & Enterprise Businesses

Small Business Insurance

Office and Surgery

A comprehensive range of core covers including property damage and business interruption, on an all risks basis, employers' and public liabilities, money and computers. Covers can be extended to include travel, personal accident, legal expenses, fidelity and terrorism.

Shops, Pubs, Restaurants and Hotels

Comprehensive package covers, including property damage, stock, legal liabilities, money, business interruption and book debts. Additional covers include goods-in-transit, freezer contents, legal expenses, fidelity, loss of licence, personal accident and terrorism.

Small & Residential Property Owners

Comprehensive packages for small property owners with between five to ten commercial or residential properties. Automatic all risks cover for property damage, loss of rent, property owners' liability and extensions for employers' liability, legal expenses and directors and officers cover.

Self Employed/Sole Traders

Cover designed for self employed contractors with up to 5 employees, covering public and products liability, legal expenses and money with optional covers for material damage, employers' liability, contract works, personal accident, business travel and fidelity.

Commercial Cars and Goods Carrying Vehicles

Policies designed for small businesses operating up to 5 commercial cars and/or 5 commercial goods carrying vehicles.

Contact us for more information or advice

Download our services for business brochure for more information.

Contact us through our enquiry form or request a call back.

Useful resources

Insurance and Risk Management for Enterprise Organisations

Starting your own business is an exciting and rewarding endeavour, but alongside the rewards come many risks; the impact of losing critical staff, loss of business critical information and many other unforeseen risks can be significant, and a catastrophe such as a fire or flood can be devastating.

Every new venture is unique and will face different exposures depending on its sector, activities, size and number of employees. We work closely with our clients in order to understand their challenges and ambitions, before delivering solutions to meet their individual requirements. We can provide:

  • tailored insurances, so that your premium represents value for money without compromising on cover
  • practical, cost-effective solutions to help you minimise risk and comply with health and safety and employment law
  • business continuity planning advice
  • a full disaster recovery service in the event of a loss, including managing your insurance claim, implementing a disaster recovery plan and mitigating business interruption
  • advice on financial planning and employee benefits, including meeting your automatic enrolment duties under the new pension reform legislation

In partnership with Hiscox, we can provide a packaged policy with tailored wording, specifically designed to meet the key insurance requirements of enterprise businesses. This policy enables you to focus on growing your business in the knowledge that it is protected from common risks such as:

  • Professional Indemnity
  • Directors & Officers' Liability
  • Property Owners' Liability



Employee benefits: taking care of your employees and your organisation

No two organisations are the same, and the solutions that are right for one organisation won’t necessarily be appropriate for yours. What are your goals and objectives? What role does your workforce have to play in your ability to achieve these? And what is important to them?

We’ve been providing tailored employee benefit solutions for organisations for many years. Our consultative approach means we’ll work with you to find the right solution for your organisation.

For more information please download our Employee Benefits brochure.

National Enterprise Network Corporate Partner

We are proud to be corporate partners of National Enterprise Network (NEN), a membership body for those committed to the support and development of enterprise. Members are not-for-profit organisations which provide independent and impartial advice, training and mentoring to new and emerging businesses - and also include Chambers of Commerce, local authorities, further and higher education providers and other specialist enterprise support providers. We provide both NEN members and their enterprise clients access to a wide range of informative and practical risk management resources and insurance solutions that represent value for money without compromising on cover.

Affordable automatic enrolment solutions for smaller organisations

Easy as AE is an affordable automatic enrolment solution for employers. From £999 + VAT we will help you make the decisions you need to make, provide a personalised planning report, set up a suitable workplace pension scheme, and help you manage your ongoing compliance duties.


Easy as AE - the new automatic enrolment solution

Click here for useful information about your responsibilities and to watch our video.

Contact us for more information or advice

Call us on 020 7413 0999, request a call back or email

Join us on Twitter @LucasFettes.


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