Our business customers are business partners
Whether you’re running a small start-up or managing an established business with hundreds of employees, we understand the unique challenges and risks you face.
Our commercial combined insurance covers can provide a range of covers under a single policy like those shown below, or they can be arranged separately. From property and liability insurance to employee protection and beyond, we’ve got you covered.
Let us help you safeguard your business, so you can focus on growth and success with confidence.
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Commercial Combined cover
A Commercial Combined or package policy can cover a number of different sections, or they can each be insured separately. Speak to the Dickson team to see what works best for your business.
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Commercial property insurance covers damage to your business premises and its contents due to events like fire, theft, or natural disasters.
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Public liability insurance is a type of business insurance that protects your from financial loss if you are held liable for injury or property damage to third parties, such as customers, clients, or the general public. It covers the cost of compensation claims, legal fees, and medical expenses associated with such incidents. for example, if a customer slips and falls in your premises, public liability insurance can help cover the costs of their medical treatment and any compensation awarded.
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This cover is a legal requirement for any businesses with employees. It provides cover for claims for injury or illness suffered by employees during the course of their work
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Business interruption insurance covers the loss of income that a business suffers after a disaster.
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Providing cover for theft from your premises if they are broken into, up to the sum insured
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Providing cover for whilst you’re moving your stock to or from your own or your customers’ premises
Top Policy Features
There are many additional cover that insurers offer that might be right for your business, a few of which are listed below. Speak to one of the Dickson team and we'll be happy to advise you.
Protection against inflation
'Day 1 uplift' cover, providing an automatic increase of the value of the property to account for potential increases in rebuilding costs due to inflation
'All Risks' cover
Giving you peace of mind that you have the broadest cover available
Business Legal Helpline
Required by law, this covers claims from employees who suffer illness or injury due to their work
Additional Covers
There are many additional covers available, such as deterioration of stock, money cover, legal expenses, and cyber cover
What we cover
Here’s a breakdown of what our policies offer.
| Available? | |
|---|---|
| Public Liability | |
| Product Liability | |
| Commercial Combined | |
| Professional Indemnity | |
| Commercial Property | |
| Property Owners | |
| Business Contents | |
| Employers' Liability | |
| Office Insurance | |
| Goods in Transit | |
| Business Travel | |
| Contract Works Insurance | |
| Engineering Insurance | |
| Cyber Insurance | |
| Tradesman Insurance | |
| Motor Fleet and Motor Trade | |
| Tools in Transit | |
| Courier Insurance | |
| Directors & Officers | |
| Minibus | |
| Agriculture |
Add your extras
Cyber Insurance
Cyber insurance protects your business against the financial impact of cyber attacks and data breaches.
Tools and Equipment Insurance
Tools and equipment insurance covers the cost of repairing or replacing tools and equipment that are lost, stolen, or damaged.
Directors & Officers' (D&O) Insurance
Directors and officers insurance protects the personal assets of directors and officers if they are sued for wrongful acts in managing the company.
Your
- Cyber Insurance
- Tools and Equipment Insurance
- Directors & Officers' (D&O) Insurance
Add your extras
Directors and officers insurance protects the personal assets of directors and officers if they are sued for wrongful acts in managing the company.
Your
Don’t just take our word for it
Strabane Mills have been using Dickson Group for many years. They have always been very competitive with their policies; but they are also friendly and a pleasure to do business with. It’s a comfort to know that your Insurance Broker really does have your best interests in mind.
Tim TraillStrabane Mills
The transport industry is highly competitive and the insurance needs of my company are complex. We have trucks right across Europe and having a company that is more of a partner than supplier is key.
W DonnellDonnell and Ellis Transport
Motor trade insurance is complex and demands a broker that takes time to understand the needs of our business. Pat Kirk Ltd is a multi-franchise dealership that is constantly growing. Dickson Group has continually exceeded my expectations and I am pleased to recommend them to my colleagues.
Peter McDermottPat Kirk Ltd
Our Enterprise Company needed an insurance provider that offered a complete, competitive and comprehensive insurance service. This requirement was met in every way by Dickson Group, and they have constantly exceeded my expectations. I have no hesitation in recommending them.
Nick O’SheilOmagh Enterprise Comapny
FAQs
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In the UK, certain types of business insurance are legally required. The main two are Employers’ Liability and Motor Insurance.
Employers’ Liability Insurance: If you have employees, you must have this insurance to cover claims from employees who are injured or become ill due to their work
Motor Insurance: If your business uses vehicles, you must have at least third-party motor insurance as a minimum, which covers damage to property or vehicles, or injury to people. -
Public Liability Insurance covers your business against claims made by third parties for injuries or damage to their property caused by your business activities. This insurance is not legally required but is highly recommended, especially if your business interacts with the public, clients, or customers. It helps protect against potentially costly legal fees and compensation claims.
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Professional Indemnity Insurance protects your business against claims of negligence, errors, or omissions made by clients as a result of your professional services or advice. This is crucial for businesses that provide consultancy, advice, or professional services, as it covers legal costs and any compensation awarded to the claimant.
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The amount of business insurance you need depends on several factors, including the size of your business, the industry you operate in, and the specific risks associated with your business activities. We can help you assess your risks to determine the right level of cover. A small retail shop’s requirements will differ from a large factory, so talk to one of our team.
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Yes, you can obtain business insurance before officially registering your business. This can be particularly useful if you want to ensure you are covered from the moment you start trading. However, you will need to provide accurate information about your business activities and structure to get an appropriate policy.