Protect the assets, operations and liabilities behind your business.
Commercial insurance brings together the different risks a business faces, from property and equipment to vehicles, stock, liability and interruptions. Acrusure helps clients review those exposures and structure suitable insurance solutions.
Commercial cover should reflect what the business owns, does, moves and could be liable for.
Reviewing the moving parts of commercial risk
Vehicles, fleets & goods in transit
Commercial motor vehicles, fleets and goods in transit can form an important part of a business insurance portfolio.
Cover decisions need context
We consider policy structure, excesses, exclusions, limits, insurer appetite and the circumstances of the business rather than focusing on price alone.
Commercial insurance areas
The right structure depends on the business. These are the core commercial risk areas Acrusure can help clients consider.
Commercial buildings & property
Consider commercial buildings and property alongside the business assets and activities carried out at those locations.
Office contents
Review contents and other business property used to operate from offices and commercial premises.
Stock
Consider stock levels and values as part of the wider business risk and insurance structure.
Machinery & equipment
Business machinery and equipment can be reviewed alongside the activities and exposures they support.
Electronic equipment
Electronic equipment forms part of the commercial asset base that may need to be considered in the portfolio.
Business interruption
Review the potential effect of an insured interruption on the ongoing operation of the business.
Commercial motor & fleets
Consider commercial vehicles and fleet exposures in relation to how the business operates.
Goods in transit
Review insurance requirements for goods being transported as part of business activities.
Liability risks
Commercial liability considerations include public liability and employers’ liability, together with other relevant areas of exposure.
Money & fidelity risks
Money and fidelity risks can be considered where they form part of the business’s exposure.
Accidental damage
Accidental damage can be considered within the wider commercial insurance structure where appropriate.
SASRIA & specialist extensions
SASRIA cover and specialist commercial extensions may form part of a business-specific insurance arrangement where applicable.
A structured commercial insurance review
1. Understand
We start with the business, its assets, activities, locations and areas of risk.
2. Review
Existing insurance is considered for gaps, duplication, inappropriate structures and areas requiring further investigation.
3. Source
Where appropriate, suitable insurers and specialist underwriting markets are approached.
4. Compare & advise
Available options are considered in relation to cover, price, excesses, limitations, exclusions and requirements.
5. Implement
Once an informed decision has been made, Acrusure assists with implementation and policy administration.
6. Maintain
We assist with amendments, renewals and changes as the business and its circumstances evolve.
Commercial insurance FAQs
Does commercial insurance only cover the business premises?
No. A commercial portfolio can include property, office contents, stock, machinery, equipment, electronic equipment, business interruption, motor, goods in transit, liability and other business-specific risks.
How should a commercial insurance portfolio be reviewed?
Acrusure considers the business activities, assets and exposures first, then reviews existing arrangements, values, liabilities, policy structure, possible gaps, duplication and underinsurance.
What business changes should trigger a review?
Examples include new or disposed assets, changes in asset values, new locations, increased stock or equipment, new vehicles, changes in staff or operations, new contractual obligations and changes in liability exposure.
Is the cheapest commercial policy always the best?
Not necessarily. Acrusure considers cost alongside policy structure, excesses, exclusions, cover limits, insurer appetite and whether the solution is appropriate for the business’s actual circumstances.
Need a commercial insurance review?
Speak to Acrusure about an existing portfolio, a new business requirement or a specific commercial risk.
Speak to Acrusure