Business Details
Trusted Insurance Brokers in Grantham
Established by Tim Radley and Steve Foster, Cover My Business operates as a trusted insurance brokerage dedicated to delivering tailored insurance solutions. With extensive experience in mortgage, life, and general insurance sectors, our team prioritises customer satisfaction by offering competitive rates and comprehensive coverage. We specialise in public liability, professional indemnity, commercial combined, and other insurance products, ensuring businesses receive protection aligned with their unique needs.Our growth through client recommendations reflects our commitment to transparency, personalised service, and long-term client relationships. Based in Grantham, we provide expert guidance to businesses nationwide, maintaining FCA authorisation to uphold the highest regulatory standards.
Services
Public Liability Insurance
Professional Indemnity Insurance
Retailers Insurance
Commercial Combined Insurance
Landlord Insurance
Highlights and features
- We offer over 20 years of combined experience in insurance brokerage.
- Our team provides FCA-regulated, transparent insurance solutions.
- We deliver personalised coverage tailored to specific business needs.
- We guarantee competitive pricing across all insurance products.
- Our claims process prioritises swift, customer-focused resolution.
Associations and certifications
- Financial Conduct Authority
Services
Public Liability Insurance
Public Liability Insurance protects UK businesses against claims of property damage, bodily injury, or death caused to third parties during business activities. Essential for contractors, retailers, and service providers, this cover ensures legal compliance and financial protection. Policies start at 1m indemnity, with optional extensions for employee liability, providing peace of mind for high-risk operations.
Professional Indemnity Insurance
Professional Indemnity Insurance safeguards businesses against financial losses from negligent advice, design errors, or service failures. Mandatory for solicitors, accountants, and consultants, it covers legal costs and compensation claims. Policies start at 50,000 indemnity, with flexible limits up to 2m, ensuring tailored protection for advice-based professions.
Commercial Combined Insurance
Commercial Combined Insurance offers bundled protection for property damage, business interruption, and liability risks. Ideal for manufacturers, wholesalers, and warehouses, it includes fire, flood, and theft coverage. Policies are customisable with optional add-ons like stock protection and equipment breakdown, providing cost-effective, comprehensive risk management.
Landlord Insurance
Landlord Insurance covers buy-to-let properties against structural damage, loss of rent, and legal expenses. Includes protection for storm, fire, and tenant-related incidents. Optional extras like accidental damage and emergency assistance ensure landlords maintain income streams and property value while complying with tenancy regulations.
Retailers Insurance
Retailers Insurance protects brick-and-mortar and online businesses against stock loss, customer liability claims, and equipment damage. Tailored for shops, traders, and e-commerce platforms, it covers theft, fire, and business interruption. Policies are customised to niche products and high-value inventory, ensuring operational continuity for retail enterprises.
Questions
What types of insurance does Cover My Business offer?
We provide public liability, professional indemnity, commercial combined, landlord, retailers, and travel insurance, alongside mortgage and life insurance services.
Is Public Liability Insurance legally required?
Not generally, but some contracts or local authorities may mandate it. It's strongly recommended for businesses interacting with the public to mitigate financial risks.
How much does Professional Indemnity Insurance cost?
Annual premiums start at £125, depending on coverage limits, business turnover, and risk factors. We offer flexible options from £50,000 to £2m+ indemnity.
Can I get insurance for multiple business activities?
Yes, we provide multi-occupation coverage. Disclose all business activities during application to ensure comprehensive protection across all operations.
How quickly can I obtain an insurance quote?
Most quotes are issued within 2 working days via our online form. Many professions qualify for same-day quotes with our streamlined assessment process.
Do you cover pre-existing medical conditions for travel insurance?
Yes, our travel policies cover most pre-existing conditions. For complex cases, we connect clients with specialist providers through the BIBA Medical Cover Directory.
