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Business Insurance Southampton

Make sure that you are covered from the day you start trading.

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Southampton Business Insurance

Lifebelt - make sure you are protected

For peace of mind, please carefully consider whether your business needs insurance.

It is one of those costs that sometimes can be 'saved' but then prove costly later. The types of insurance that you may be applicable are: Public Liability (essential if you are dealing with members of the public), Employers Liability, Professional Indemnity, Key Man, Director's Insurance, Equipment, Buildings & Contents Cover, Motor Insurance, Goods in Transit, Legal Expenses Insurance.

Speak to a reputable broker if you are in any doubt.

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Recommended Local Partner

Konsileo

Konsileo

Konsileo are disrupting the insurance broking industry and for good reason!

We are an Award-Winning Chartered Commercial Insurance Broker, providing a range of specialist insurance products to businesses across the UK.

With Konsileo, you don't just get an insurance broker, you get a risk partner and business adviser, someone to guide you through the complexities that otherwise seem daunting. Using sophisticated, inhouse technology, we work in a collaborative way, using state of the art platforms to streamline our brokers administration. This essentially means less office administration for our brokers, so that they can fully focus on providing you with the exceptional insurance and risk mitigation services that you and your business deserve.

We have experienced brokers all over the UK, specially trained to work on commercial business insurance and risk management in a wide selection of industry sectors Wed love for your business to join us and become part of the Konsileo family.

Below we've listed some of the industry sectors we cover:

- Technology
- Cyber
- Professional Services
- Property Owners
- Manufacturing
- Construction
- Hospitality
- Healthcare & Protection

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Local partners

We are happy to promote anyone who is prepared to offer friendly support to local start-ups.

Our local partners have been kind enough to help us and are keen to help you too.

Free Friendly Advice

Konsileo

If you would like some free friendly advice from a trusted local partner, please complete the form.

There will not be any pressure nor will you be under any obligation to buy paid services.

Alternatively you can contact Andy Pringle at andy@syob.net and he can help guide you with more information or suggest the best person to contact.

Latest Articles

Does my new business need Liability Insurance?
Making sure that your business has the right kind of protection is essential and, in a few cases, required by law.
Insurance For Startups - Free Factsheet
Make sure that you are aware of the different types of insurance that your business may require to comply with the law and to protect you from loss.
What is credit insurance?
Business may run on credit, but when things go wrong and a customer pays late or goes bust a small business can find themseleves in real trouble.

Business Insurances Explained

Ensuring a new business needn’t be complicated and a little time spent planning what needs to be arranged from day one, will avoid unnecessary problems in the future.

If like many start-ups you are going to work from home, you will almost certainly find that any existing car or household insurances will need to be upgraded or changed.

Car insurance

Your policy will need to be extended to include business use – even if the only business journeys you make are to the post office. Motor insurance is a compulsory insurance, so it’s important to make sure that the cover you have is right.

Household insurance (Buildings and contents)

Whether insured separately or together you will need to let your existing insurer know that you are working from home. However your household policy will not be suitable for business purposes, regardless of whether customers or clients visit your home. Separate arrangements will need to be made, although many insurers are now able to offer specialist homeworker insurance policies that can combine both personal and commercial insurance needs.

Of course if you are letting out your property, you will need to arrange a Landlords insurance policy as a household policy simply won’t do.

Whether working from home or from business premises, it’s important to insure your property, especially your stock and computers. If you have any portable items like phones and laptops, don’t forget to arrange insurance for when you take them outside.

Employers Liability insurance

If you intend to have employees, the law requires that you arrange Employers Liability insurance.

Public and Products Liability

Whilst not required by law, should be considered a must and you may find that many of your clients insist that you have the cover.

Professional Indemnity insurance

If your business is a service rather than the supply of a product, Professional Indemnity insurance should be considered. You might find that your clients insist that you have this cover and if you choose to join a Trade Association, it may be a condition of membership.

Business Interruption insurance

If you should be unfortunate enough to sustain a loss such as a fire, flood or theft at your premises, then there are likely to be significant costs keeping the business going and replacing lost profits. Business Interruption insurance should be seen as a must and the level of cover and the period of interruption that it covers, should be carefully selected.

  • Money Insurance
  • Goods in Transit Insurance
  • Legal Expenses
  • Directors & Officers
  • Personal Accident

Combining different types of insurance cover under one policy, may work out cheaper and can avoid gaps in cover.

Check any contracts that you are asked to sign to see if insurance is a requirement and at what level, especially for Public Liability and Professional Indemnity insurance covers.

Some insurance providers offer interest free monthly instalment facilities so do ask what’s available – great for helping with your cash flow.

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Southampton Business Insurers

Konsileo
Konsileo are disrupting the insurance broking industry and for good reason! We are an Award-Winning Chartered Commercial Insurance Broker, providing a range of specialist insurance products to businesses across the UK. With Konsileo, you don't just get an insurance broker, you get a risk partner and business adviser, someone to guide you through the complexities that otherwise seem daunting. Using sophisticated, inhouse technology, we work in a collaborative way, using state of the art platforms to streamline our brokers administration. This essentially means less office administration for our brokers, so that they can fully focus on providing you with the exceptional insurance and risk mitigation services that you and your business deserve. We have experienced brokers all over the UK, specially trained to work on commercial business insurance and risk management in a wide selection of industry sectors Wed love for your business to join us and become part of the Konsileo family. Below we've listed some of the industry sectors we cover: - Technology - Cyber - Professional Services - Property Owners - Manufacturing - Construction - Hospitality - Healthcare & Protection
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Noyce Insurance Solutions Ltd
We welcome enquiries from start of businesses from all types of occupations, so we can guide the firms through the maze of commercial insurance covers that most companies should consider. Bassett House, 36 Leigh Road, Eastleigh, Hampshire, SO50 9DT
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calculis ltd
Hampshire-based calculis is a boutique financial strategist and one of a very small number of adviser firms to have achieved the highly respected Chartered Financial Planner status, the
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Knightsure Insurance Broker Ltd
Business Insurance and commercial insurance Specialists. Free audits and analysis. 247 quotes online at www.knightsure.co.uk Minding other peoples business since 1990.
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WPA - Private Medical and Dental Insurance
Western Provident Association (WPA) is one of the largest specialist health insurance providers in the UK covering 1 in 250 people in the UK, we provide a range of different products for families, self employed, professionals and companies of all sizes. With a history of over 100 years, WPA has been recognised as the most innovative UK health insurer for the third year in a row (Laing & Buisson independent healthcare awards 2006 - 2008). WPA
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WPA Healthcare
Western Provident Association (WPA) is one of the largest specialist health insurance providers in the UK covering 1 in 250 people in the UK, we provide a range of different products for families, self employed, professionals and companies of all sizes. We have health insurance plans designed specifically for customers who are self-employed, members of the professions or are a company of 3 or more employees. Plans will suit people who want medical treatment at their convenience or who need immediate attention so that time away from their business is minimised. We will be pleased to provide confidential advice on any aspect of WPAs products and service, whether you are considering a company scheme or individual policy. ENJOY LIFE....INSURE HEALTH
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