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0800 294 4522
Mon-Thu:08.00 – 21.00
Fri:08.00 – 18.30
Sat:09.00 – 17.00

0800 294 4522
Mon-Fri 8:30-21:00  Sat 9:00-17:00

    Commercial Property Insurance

    Our policy offers comprehensive cover for most commercial properties including:

    • Offices, including taxi offices, travel agents, and estate agents.
    • Hairdressers and beauticians.
    • Restaurants, including cafés and high risk eateries, such as fast food takeaways.
    • Dental surgeries.
    • Car accessories stores.
    • Furniture stores.
    • Garden centres.

    We can also provide insurance for commercial & residential combined risks as well as insurance for unoccupied commercial properties.

    If you are looking for a competitive quote on ANY commercial property, why not give us a call on 0208 847 8000 and we will do our best to provide you with a suitable policy at extremely competitive rates.

    Of Cover
    (October 2014)
    Sterling Policy wording
    Sterling Summary of Cover
    (May 2013)
    Sterling Policy wording
    Sterling Summary of Cover
    (October 2014)
    Sterling Policy wording
    Sterling Summary of Cover
    (March 2014)
    Sterling Policy wording
    Sterling Summary of Cover
    Benefits of Commercial Insurance
    • Cover for material damage through accidental loss or destruction.
    • Full accidental damage cover.
    • Cover available for restaurants, including cafés and high risk eateries, such as fast food takeaways.
    • Up to £2,000,000 property owner's liability.
    • Up to 33% loss of rent (subject to additional premium).

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    Business / Property Owner

    Comprehensive commercial buildings insurance that includes cover for buildings such as: offices, surgeries, shops, off-licenses, beauty salons, fast food take away, grocers, cafes, launderettes, commercial properties combined with residential flats above; and many more.

    We can insure the buildings (these include: outbuildings, annexes, car-parks, fixtures and fittings etc), property owners' liability, employers' liability, terrorism and rental income/loss of rent. This insurance also allows for reinstatement of sum insured, cover whilst the property is undergoing renovations/repairs, automatic additional increase to day one declared value of the sum insured and many more features and benefits. We will insure individual commercial properties, or within a block portfolio – and we can arrange for pro-rata starts to any properties added to a block portfolio.

    Business Owner Insurance

    Discounted insurance that's ideal for small to large business owners, why not let us take away all the hassle of trying to find the perfect insurance? You will find our business owner insurance to be comprehensive, value for money and best of all; it will be underwritten by some of the country's top business insurance underwriters. This insurance comes standard with the necessary insurance you will need as the owner of the business – to protect you, your business and your employees; you can also add extra cover against loss or damage to your stock, equipment, office furniture/supply, individual directors and officers insurance etc.

    More Business Insurance Products:

    Liability Per Capita

    Its public liability insurance for self-employed, sole trader and Limited companies. Per Capita Liability is a specially designed liability insurance for small UK contractors. Specifically those that employ no more than 10 manual workers and 5 non manual / clerical workers. Companies that might want and are eligible for this type of insurance include Shoe Repairers, Accountants, Acupuncturist etc. Request a quote

    Guest Houses & Hotels

    From a small privately owned B&B to large hotels, our guest house and hotel insurance is a wide cover that is provided by some of the country's top specialised insurers. Request a quote


    A product for shop/business owners. Will cover your assets legal liabilities and earnings. Request a quote

    Pubs & Restaurants

    Excellent public house and restaurant insurance – tailor made to suit individuals with specific needs and requirements. We specialise in insurance that caters for individually owned pubs and restaurants or chains/francizes all across the UK. Request a quote

    Offices & Surgeries

    Business insurance that covers the usual perils such as fire, storm, flood, theft escape of water, stock, loss of revenue/business interruption etc. Business types covered vary from travel agents, recruitment agencies, estate/letting agents, doctor/vet surgeries etc. Request a quote

    Motor Trade

    Whether it's an MOT centre, garage, car dealership or any work place that repairs or sells cars, this insurance is the right insurance. Cover extends to all type of vehicles and is available for either at home traders or sited dealers. Request a quote

    Professional Indemnity

    Ideal for small to medium sized companies/businesses, our PI insurance is designed to accommodate trades including engineers, accounts, consultants, lawyers/solicitors etc. Whether its a face-to-face or over-the-phone business, our PI cover is extensive and accommodating. Request a quote

    SME Combined

    We can offer cover for assets and property combined and our insurance is made to suit small, medium and larger companies. Why not give us a try and see how our SME insurance would be good for you and your business? Request a quote


    Taxi , Motor, Minibus, Car, Commercial Fleets, why not come to us and let us arrange the best fleet insurance that you are ever likely to get on the market? Request a quote

    Directors & Officers

    An insurance product that will help a company in the event a claim is made against them. Not only can a company be held liable in a claim, but directors of the company could also be held personally; why not get the insurance that will safe guard both the company and the individual? Request a quote


    We hope you are completely delighted with your policy; however if you decide you do wish to cancel it, please contact us immediately.  You must do this in writing to either or The Business Exchange, 26/28 Hammersmith Grove, London, W6 7BA.

    You have 14 days from the start of your policy, or from the day you receive your documents, to decide if this product meets your needs. If you choose to cancel this policy within this period, and no claim has been made, we will refund the policy, charging you only for time on cover. Cancellations made after 14 days of the start date will be subject to cancellation fee of up to £35. We will also retain a pro-rata premium for time on cover. For instance, if you paid £200 for a policy and cancelled this half-way you will be entitled to a refund of £100 for the unexpired portion of the policy less the cancellation fee of £35 (total refund in this instance would be £65). Please note any administration fees charged for policy set up are non-refundable if cancelled after the 14 days cooling off period.

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