How Insurance can Help Your Small Business


Whatever the size of your business, insurance is a vital way to protect your venture.

Running a business is risky, so it’s vital to have the right policies to protect your firm’s assets against unforeseen events or circumstances. Here at TH March, we can help your company manage risks and support you to claim for losses if things go wrong. Choosing the right policies will also give you peace of mind, letting you get on with the job of building your business.

What we can do

With TH March’s highly experienced Commercial Insurance Team working on your behalf, you can rest assured that your cover will be designed with you in mind. We can make sure that your premises, income, employees, stock, plant and more are all protected.

Using our knowledge and expertise, we’ll work alongside you, getting to know and understand your business, no matter which sector you work in.

Finding whats right for your business

There are lots of different types of business insurance out there. Deciding which insurance policies to buy, and how much cover you need, can be confusing.

Here is a list of some of the common types of business insurance and what they cover:

Public liability: Covers legal costs and compensation payments due to personal injury or property damage claims made by third parties.

Employersliability: Covers legal costs and compensation payments due to job-related employee illness or injury claims; required by law.

Professional Indemnity: Covers legal costs and compensation payments due to claims made by clients that your advice or service was negligent and caused them a financial loss.

Commercial property: Covers repair, rebuild or replacement of business buildings and contents in case of perils like a fire, flood and theft. Can protect buildings, inventory, business equipment, tools, stock and more.

Cyber Insurance: Provides access to expert support team and covers financial losses due to hacks, data breaches, viruses and other cyber crimes – both direct costs incurred by your business and also claims.

Commercial vehicle: Vehicle insurance for commercial vehicles; can include goods in transit cover.

Legal expense cover: Provides access to an expert legal team and pays your legal defence costs in certain situations such as employment disputes, HMRC tax enquiries, failed health & safety inspections, contract disputes, debt recovery, property protection, identity theft, etc.

There’s a lot to research and understand when it comes to choosing the right insurance for your company’s needs. But our expert team is here to help you decide which policies best suit your business and offer the correct protection.

Working with your budget

Small business insurance doesn’t have to be expensive. We will put together the right package for you, based on the risks your business faces, how well you can manage them, and what the consequences could be if a setback occurs.

With the right advice and the right cover, you will gain the confidence you need to develop and grow your business.