Business insurance

Making notes on the side of a desk.

So you can get on with doing what you do best

Co‑op Insurance Services introduces you to Miles Smith, a specialist insurance broker.

Why do you need business insurance?

Finding the right cover for your business can seem a daunting process, and you may need some help along the way. It can be a minefield of jargon and different types of cover, which can keep business owners up at night.

You need the right cover to protect you, your business and your employees if the unthinkable happens. Our partners, Miles Smith, are specialists in arranging suitable insurance cover to protect your business, leaving you to focus on growing and adding value

Just get a quote to find the right insurance for your business, or call Miles Smith on 0345 646 1220^.

Why is business insurance important?

If your business has employees then insurance is a legal requirement and you’re going to need employers’ liability cover. This will ensure your staff are protected in the event of an accident or injury at work for which you are legally liable.

Business insurance can also give you peace of mind. The odds of your business being destroyed by a fire or caught up in a flood may seem unlikely, but accidents happen.

Any small disruption to your work could cause you serious problems and have a significant impact on your income. With the right cover in place your business is protected against these occurrences.

Why do you need liability insurance?

Your business will need a level of liability cover, two of the common types being employers’ liability, and public liability.

If you’re about to take on staff, even if it’s just part-time, then you need to make sure you have employers’ liability cover in place first. This will help protect you in case any of your employees are taken ill or suffer injury which is considered to be as a result of working for you.

No matter how hard you try to reduce risk from your business, accidents still happen, this is where public liability may protect you.

If during your day-to-day business, a customer, contractor or member of the public is injured or if your actions result in any property damage, your business could be faced with a large legal or compensation bill.

Public liability cover protects your company from these sorts of costs should something happen.

What cover do you need?

Shop and salon

Finding the right cover for your shop or salon is quick and easy. Whether you’re a small local store or a high-street retailer, Miles Smith can help. No two salons are the same. So you wouldn’t expect their insurance policies to be the same.

Self-employed and contractors

Miles Smith can help with your public liability if you are a small business or self-employed. For all businesses regardless of the business activity; from one man businesses to large commercial operations, you can get tailored contractor insurance cover that's right for you.

Office and surgery

Miles Smith will help you get the right cover for your office and find the right policy to protect your employees and your customers. Different surgeries need different cover to protect your employees, patients and customers.

Miles Smith

Co-op Insurance Services introduces you to Miles Smith, a specialist insurance broker, to find you the right business cover. No matter what size or type of business, they can find a solution for you. From self-employed tradesmen to landlords, even surfing instructors, everyone’s welcome. Miles Smith also cover all sizes of vehicle fleets.

Just click get a quote to find the right insurance for your business.

If you want to insure your motor fleet, please call Miles Smith on 0345 646 1220^.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.

Miles Smith arranges and administers your insurance with their chosen insurance provider.

Miles Smith is a trading name of Specialist Risk Insurance Solutions Limited. Specialist Risk Insurance Solutions Limited is registered in England. Registered office: 6th Floor One America Square 17 Crosswall London EC3N 2LB Company No. 06368755. Specialist Risk Insurance Solutions Limited is authorised and regulated by the Financial Conduct Authority FCA No. 473138.