Business
Business Insurance
A combined programme covering premises, stock, equipment, money, staff and liabilities — structured as one renewal date with one point of contact instead of scattered policies.
What this policy covers
- Buildings, contents, stock and equipment
- Business interruption and loss of profits
- Money in transit and on premises
- Fidelity guarantee
- Public and employers' liability
- WIBA and group personal accident
Why arrange it through Hace
- A single schedule you can actually read
- One renewal date and one advisor
- Annual review as the business grows
- Priority claims support
Optional extensions
- • Goods in transit
- • Machinery breakdown
- • Cyber insurance
- • Directors' and officers' liability
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Trading losses not caused by insured damage
- • Unreported material changes to the business
Frequently asked
Can we combine policies that renew at different times?+
Yes. We can align renewal dates over one cycle so the whole programme renews together, which usually simplifies administration and negotiation.
Ready to arrange business insurance?
Tell us what you need to protect and we will compare the market and come back with clear options.