Small business insurance

Choose the AA for your small business insurance

• public liability cover of up to £5 million
• employers' liability cover of £10 million available
• cover for up to 12 employees (20 for non-manual professions)
• optional cover for business contents and stock
• over 250 trades and professions catered for

Why do I need small business insurance?

A small business insurance policy allows you to combine public liability cover with employers' liability cover in one policy. When you get a quote with us, you have the option of adding employers' liability to your public liability cover.

Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

Landlords' Insurance key benefits

• portfolio of properties catered for
• buildings insurance with a wide range of benefits
• landlord's contents insurance – available as required
• accidental damage – optional cover available
• loss of rent insurance – available as required
• employers' liability cover up to £10 million

Flexible cover for your rental properties:

• residential (including blocks of flats)
• commercial, industrial, offices and shops
• tenants such as professionals, students, DSS and asylum seekers
• unoccupied
• properties in course of construction

Frequently asked questions

Why do I need landlords' insurance?

Landlords' insurance enables you to insure the property you own, and to meet the liabilities and risks you face in renting property to tenants.

What covers should I consider other than buildings insurance?

Landlord's contents, rental income and engineering cover (for any heating, ventilation, air conditioning and lifts) can all be catered for. Liability insurance is essential.

Can I insure more than one property with a landlords' insurance policy?

Yes, the cover we offer allows you to insure multiple buy-to-let properties, saving you time and effort.

Do I need landlords' contents insurance if I let part-furnished properties?

No. Items such as carpets, curtains or blinds, and domestic appliances are included within the definition of 'buildings' in our landlords' policies. There is no need to arrange separate landlords' contents insurance in these circumstances.

Shop Insurance key benefits

• employers' liability insurance – essential cover for retailers
• public liability insurance cover up to £5 million
• business interruption insurance cover included
• shop buildings insurance – optional cover available
• stock and contents insurance – seasonal stock cover increases for goods required during busy times of year
• money cover included as standard
• additional cover available for frozen goods, legal expenses, goods in transit

Frequently asked questions

Why do I need shop insurance?

A shop insurance policy covers you against legal liabilities and risks you face as a retailer.

Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

Shop insurance allows you to cover these risks as well as insuring the shop assets in one easily managed policy.

What types of shops do you cover?

Shop insurance covers a wide range of retail establishments, including:

• coffee shops
• florists
• general stores
• hairdressing salons
• newsagents
• retail franchises
• takeaway shops

What is business interruption insurance?

Business interruption insurance covers your retail business against losses incurred following a loss which is covered by your shop insurance.

For example, if you were unable to trade because of a major fire at your premises, business interruption insurance could pay for your lost earnings and costs during the period of interruption.

What is employee dishonesty cover?

This cover protects your business against losses caused by theft, fraud or dishonesty committed by your employees.

Office and surgery insurance key benefits

• public liability insurance cover of up to £5 million
• employers' liability insurance cover of up to £10 million
• glass cover as standard
• business interruption insurance cover included as standard
• money cover included as standard
• personal accident cover available for all employees
• office buildings insurance – optional cover available

Frequently asked questions

Why do I need office and surgery insurance?

Office and surgery insurance allows you to cover liabilities and risks faced by many businesses.

Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

Office and surgery insurance can also provide financial cover for risks to your business like computer breakdowns and employee dishonesty, and can include buildings cover if you own your premises.

What is business interruption insurance?

Business interruption insurance covers your retail business against losses incurred following a loss which is covered by your office insurance.

For example, if you were unable to trade because of a major fire at your premises, business interruption insurance could pay for your lost earnings and costs during the period of interruption.

Goods in Transit Insurance key benefits

Whether you deliver your own commercial goods, use a courier, or are in business as a courier or haulier, our goods in transit insurance offers:

• commercial own goods and courier cover up to £50,000 per transit
• public liability insurance – up to £5 million for own goods and couriers
• employers liability insurance – up to £10 million for own goods and couriers
• any number of vehicles considered
• hauliers insurances – sums insured up to £75,000
• public liability insurance cover up to £2 million
• low policy claims excesses

Frequently asked questions

What level of cover is available for goods in transit?

When you get a quote, you'll be able to select the level of cover that's right for the goods you deal with.

Is it possible to cover more than one vehicle on a single policy?

Yes, we cater for any number, including fleets of vehicles.

What about overnight cover for goods in my vehicle?

Most insurers provide cover for goods which are left in a vehicle overnight in a locked garage or compound with secure walls or fences and locked gates.

Contractors' Insurance key benefits

Plant and materials insurance, also know as contractors' 'all risk cover', provides cover for your tools and materials as well as the building works you are working on while under contract.

• property awaiting sale – cover available in these circumstances
• hire company charges – cover for equipment loss or damage charges
• UK cover – your tools are covered across the UK and in transit
• off-site storage included as standard
• free debris removal cover included as standard
• architect's and surveyor's fees covered for 'reinstatement of property'
• low policy excesses

Frequently asked questions

Do I need contractors' all risk cover?

Contractors' all risks insurance (also known as contract works insurance) provides cover for the cost of loss or damage to building works while you are responsible for them. It also provides cover for loss or damage to your plant machinery and tools.

What is included under tool cover with plant and materials insurance?

Tool cover with plant and material insurance provides protection against accidental and malicious damage, and theft at a contract site. Cover includes work in progress, your tools, and both fixed and unfixed materials on site.

What if my plant is hired-in?

Plant and materials cover is available for your own plant and any tools that you need to hire. You can specify the level of cover you need, based on the equipment you use.

Do you provide insurance for IT contractors?

If you are an IT contractor or do contract work in a similar professional field you may be interested in consultants' liability insurance or professional indemnity insurance.

Consultants' Liability Insurance key benefits

• public liability cover of up to £5 million
• liability insurance for up to 12 employees (20 in non-manual professions)
• employers' liability cover of £10 million as standard
• wide range of trades and professions catered for

Frequently asked questions

Why do I need consultants' liability insurance?

A consultants' liability insurance policy provides public liability insurance for consultancy work away from your premises.

Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

If you have people working for your business you can add employer's liability insurance to your consultants' liability insurance.

Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

Employers' liability insurance is compulsory under UK law for any business which employs staff, including temporary staff and trainees.

What types of business are eligible for this policy?

The consultants' liability policy is suitable for a wide variety of consultants, including:

• designers
• engineers
• IT consultants
• auditors
• surveyors