Commercial Insurance
Commercial Insurance provides essential protection for businesses of all sizes against the risks they face daily. With over 50 years of experience arranging commercial insurance for clients across London and the UK, Ellis David has access to over 100 insurers to build a policy that works for you.
What is commercial insurance?
Commercial Insurance provides essential protection for businesses of all sizes against the risks they face daily. From small startups to established enterprises, commercial cover safeguards your company's assets, operations and liabilities.
Commercial insurance helps protect businesses against the financial impact of unexpected events, claims and day-to-day risks. Whether you are a sole trader, limited company, landlord or growing business, having the right cover in place can protect your premises, employees, customers and income.
Policies can be tailored to suit your business and may include public liability, employers liability, professional indemnity, property cover or business interruption protection. With the right commercial insurance policy in place, your business can continue operating with confidence if a claim arises.
We understand that each business has unique insurance needs, which is why we offer tailored, affordable business cover that grows with your company while providing comprehensive protection.
How will we help you
From your first interaction, you will be paired with one of our qualified and experienced commercial insurance brokers. They take the time to understand your operations, your industry challenges and your risk profile so we can recommend the most suitable coverage for your needs.
We compare quotes from multiple insurers, identify potential exposure gaps and explain complex insurance terms in plain language so you can make decisions with clarity.
Who we recommend
We use in-depth industry reviews and rigorous internal processes to evaluate business insurance providers. That ensures we understand the commercial policies we recommend and can focus on insurers offering strong levels of cover at competitive rates.
Our independence means we are not tied to any single insurer. We work for you, not the insurance companies.
Why Ellis David
For over 50 years, businesses across the UK have trusted Ellis David to protect their commercial interests. As independent insurance brokers, our commitment has always been to our clients, with a focus on understanding what matters most to your business and providing cost-effective solutions with strong levels of cover.
Our expertise in the commercial insurance market allows us to negotiate competitive rates without compromising on the quality of protection your business deserves.
Our commitment to you through the year
- Business growth or diversification
- Property acquisition or relocation
- Changes to business operations or processes
- Risk management and loss prevention
- Incidents which may lead to a claim
- Renewal planning and programme restructuring
What covers can we arrange?
Property Insurance
Comprehensive protection for business premises, including buildings, contents and stock against fire, flood, theft and accidental damage.
Learn moreLiability Insurance
Public, employers and products liability cover arranged around the risks your business actually carries.
Learn moreProfessional Indemnity
Protection for firms that provide advice, design, expertise or professional services.
Learn moreDirectors & Officers Insurance
Personal liability protection for directors and senior decision-makers against management-related claims.
Learn moreCyber Insurance
Support for data breaches, ransomware, cyber extortion, response costs and digital business interruption.
Learn moreBusiness Interruption
Cover for lost income and ongoing expenses when your operations are disrupted by an insured event.
Learn moreCommercial Vehicles & Fleets
Multi-vehicle cover for company cars, vans and mixed fleets, with telematics and risk-management support where needed.
Learn moreTrade-Specific Insurance
Specialist cover for sectors such as hospitality, retail, construction, healthcare, charities and professional practices.
Learn moreEmployee Benefits
Support with company health insurance and wider employee benefit solutions that help attract and retain staff.
Learn moreInternational Coverage
Advice on overseas exposures, global trading risks and policies that need to operate beyond a standard UK placement.
Learn moreLandlord Insurance
Specialist protection for residential and commercial landlords, including buildings cover, property owners’ liability, loss of rent and legal expenses.
Learn moreOur cultivated network of partners
- Property surveyors
- Cyber security experts
- Legal services providers
- Risk management specialists
- Claims support professionals
- Employee benefits advisers
Business cover built around your requirements
To ensure your business is protected in all areas, we cultivate relationships with trusted partners and specialist markets that can support your wider commercial interests, from surveys and cyber resilience through to legal and employee benefit advice.
Commercial insurance: FAQs
What does commercial insurance cover?
Commercial insurance can provide protection against a wide range of business risks, including property damage, liability claims, business interruption, theft and legal costs. The cover required will depend on your business activities, industry and specific needs.
Is employers liability insurance a legal requirement?
In most cases, yes. Under UK law, employers liability insurance is a legal requirement for businesses that employ staff. Employers liability cover helps protect your business if an employee suffers an injury or illness as a result of their work.
Do I need public liability insurance?
Public liability insurance is not usually a legal requirement, but it is worth considering for businesses that interact with customers, suppliers or members of the public. It can help cover compensation claims and legal fees if someone is injured, or their property is damaged, because of your business activities.
What is professional indemnity insurance?
Professional indemnity insurance protects businesses that provide advice, expertise or professional services. It can help cover legal costs and compensation claims arising from allegations of negligence, errors or omissions.
How much does commercial insurance cost?
The cost of a commercial insurance policy varies depending on several factors, including your industry, turnover, claims history, number of employees, location and the types of cover required. We can compare quotes from multiple insurers to help find a policy suited to your budget.
What insurance does a small business need?
The insurance needs of small businesses vary depending on the type of work undertaken. Common business insurance policies include public liability, employers liability, professional indemnity, property insurance and business interruption cover. Get in touch with Ellis David for a business insurance quote tailored to your needs.
Can sole traders get commercial insurance?
Yes. Sole traders face many of the same risks as larger companies and can benefit from tailored commercial insurance. Cover may include public liability, professional indemnity, tools and equipment insurance, cyber insurance and personal accident protection.
What is cyber insurance and do I need it?
Cyber insurance helps protect businesses against risks such as data breaches, cyber attacks and IT system failures. As more businesses rely on digital systems and customer data, cyber insurance is becoming an increasingly important form of protection.
Does commercial insurance cover business interruption?
Commercial policies can be tailored to include dedicated business interruption insurance. This can help replace lost income and cover ongoing costs if your business is unable to operate following an insured event, such as a fire, flood or significant property damage at your premises.
Why should I use an insurance broker for commercial insurance?
An experienced insurance broker like Ellis David can help identify potential gaps in cover, explain policy terms, compare insurers and arrange protection tailored to your business needs.
Get in touch with Ellis David today
If you want to discuss your commercial insurance requirements, call 020 7354 3881, email comteam@ellisdavid.com or send us an enquiry and one of our brokers will come back to you.