Loan Central Title image

A UK independent business insurance broker with access to all products in the market

Online since 2004, we're a name that you can trust

The navigation buttons on the left show you which products are available for business users and which are available for individuals.

The contact form to request free advice and a no obligation quote is at the bottom of this page.

All quotations for business insurance are provided to you free of charge and on a no-obligation basis - there is no pressure, make your decision in your own time.

Business Insurance

Why use a broker for your business insurance?

  • You’ll get a personal tailored service, they will seek to understand your business, they work with you to identify, measure, manage, reduce and eliminate risks to your business. This in turn will help limit the chances of suffering a loss and will often result in premium discounts.
  • A broker will often highlight risk exposures that you were not even aware of.
  • A broker will act as your agent and work for you in the event of a claim. They are there to remove the common anxieties and burdens that are associated with making a claim. Limiting disruption to your business and daily life is important to them.
  • They are independent and impartial – they are not tied to any one or a limited panel of insurers. They will carry out an independent market analysis on your behalf and offer the best value cover that they can from their extensive range of insurers.

What sort of businesses/specialty can be covered?

  • Bars, Night Clubs & Licenced Premises
  • Block of Flats Insurance
  • Care Home Insurance
  • Caterers & Outdoor Caterers
  • Cleaning Contractors
  • Contract Works Insurance
  • Contractors Insurance
  • Cyber Liability Insurance
  • Distribution Insurance
  • Event Insurance
  • Heritage & Religious Buildings
  • Hotel, B&B, and Guesthouse Insurance
  • Launderettes & Dry Cleaners
  • Management Liability Insurance
  • Manufacturing Insurance
  • Motor Fleet Insurance
  • Motor Trade Insurance
  • Office & Surgery Insurance
  • Professional Indemnity
  • Pubs, Restaurants & Takeaway Insurance
  • Recycling & Waste Centres
  • Security Trades
  • Shop Insurance
  • Sports & Social Club Insurance
  • Tax Investigation Insurance
  • Tradesman Insurance
  • Wholesale Insurance

Nightclubs, Wine Bars & Licensed Premises Insurance

There are many different types of licensed trades including nightclubs, late night bars, comedy clubs, wine bars and cocktail bars all with their own unique set of requirements. This type of insurance is very much viewed as high risk by insurers, with the majority not even willing to consider these trades. Our broker offers both package and specialist retail insurance cover based on your requirements. That means that every insurance policy that they arrange for is different; therefore, they start with an initial call to discuss what your business does, what it’s potential exposures are, and what cover, they believe, is required to give you the right protection.

Block of Flats Insurance

Organising insurance for leasehold flats and apartments usually referred to as “Block of Flats Insurance” or “Block Insurance” is a huge responsibility. Whether you ‘re a Residential Management Company, Right to Manage Company (RTM), Residents Association or a private individual with the responsibility to organise your Block Insurance our broker can help.

They can arrange competitive cover for anything from 2 converted flats to a large purpose built block with 100+ flats. They work with most major leading UK insurers with market leading products. They understand that price is an important factor for most residential blocks, that’s why they search their broad panel of insurers to find the best deal. You’ll also be assigned your own personal representative to work with including any claims assistance.

If your property is of non-standard construction, is listed or has an adverse claims history then they can help you too.

Caterers & Outdoor Caterers

Our insurance broker can offer you a tailored package for the following types of catering businesses :-

  • Baked Potato Ovens
  • Bread Delivery
  • Buffet Caterers
  • Cake Making & Chocolate Fountains
  • Catering Trailers
  • Coffee Rounds
  • Coffee Shop
  • Contract Caterers (Golf Clubs, Pubs & Canteens)
  • Cookery Demonstrators
  • Dinner Parties
  • Farmers Markets
  • Food Kiosks
  • Fruit / Vegetable Stalls
  • Hog Roasts / BBQ
  • Hot Food Vans
  • Ice Cream Van / Bike
  • Jiffy Trucks
  • Juice Bar
  • Mobile Bar
  • Mobile Butchers
  • Outside Caterers
  • Sandwich Rounds
  • Street Food Operator
  • Sweet Cart
  • Vending Machines
  • Wet Fish Round

Cleaning Contractors

Our broker’s Contract Cleaners Liability offering provides cover for all types of Cleaning Contractors from small domestic cleaners to large commercial cleaning companies. Their offering covers a wide range of activities including:

  • Building Cleaners
  • Carpet & upholstery Cleaning
  • Conservatory Cleaning
  • Domestic Household
  • Drain Cleaners
  • Factory & Warehouse Cleaners
  • Gutter & Fascia Cleaning
  • Hotels, Pubs & Schools
  • Motor Valeting
  • Office & Shops Cleans
  • Office Window Cleaners
  • Oven Cleaning
  • Patio & Drive Cleaning
  • Pressure Washing
  • Swimming Pool Cleaners
  • Wheelie Bin Cleaners
  • Exterior Building Cleaning
  • Windows Domestic & Commercial

Contract Works Insurance

This policy will repay the cost of the contract should there be a partial or total loss from various insurable perils including (but not limited to) fire, water damage, storm, vandalism and theft. Contract Works will not cover existing structures. For example,  if there is work on an extension then the existing structure must be covered separately. Contract Works will only cover the cost of the actual building contract.

Contractors Insurance

Contractors Combined insurance policy covers a variety of general contractors, from bricklayers to plasterers, and plumbers to shop fitters. This is an all incorporating product which will allow contractors to combine a variety of covers under one single policy, based on each client’s own specific needs.

Cover varies but can include Contract works, Hired-in Plant, Own Plant, Tools & Equipment, Stock, Business Interruption, Goods-in-Transit, Personal Accident, Employers’ Liability, Public Liability, Product Liability, Legal Expenses and more.

Contract trades which our broker can cover includes :-

  • Air Conditioning Insurance
  • Bathroom Installation Insurance
  • Builders & Bricklayers Insurance
  • Carpenters & Joiners Insurance
  • Carpet Fitters Insurance
  • Civil Engineers Insurance
  • Contract Cleaners Insurance
  • Electrical Contractor Insurance
  • Fence Erectors Insurance
  • Flooring Contractors Insurance
  • Gardeners & Landscapers Insurance
  • Glaziers Insurance
  • Ground Workers Insurance
  • Kitchen Installation Insurance
  • Painter & Decorator
  • Paving & Patio Contractors Insurance
  • Plasterers & Dry Liners Insurance
  • Plumbing & Heating Insurance
  • Property Developers Insurance
  • Property Maintenance Insurance
  • Roofers & Flat Roofers Insurance (Heat work can be included)
  • Scaffolder Insurance
  • Shop Fitter Insurance
  • Telecommunication Engineers Insurance
  • Tree Surgeons Insurance
  • Window Cleaners Insurance

Cyber Liability Insurance

Cyber-crime losses are becoming a greater threat than those risks covered by traditional commercial package insurance policies. Cyber Liability Insurance won’t prevent a cyber-attack but will provide invaluable support and financial protection if you are indeed a victim of one. If you use e-mail, have a website or store customer data electronically then you’re a potential target for cyber criminals. What does it cover? – The time and money you have to spend dealing with a cyber attack, and the costs of putting your business back on its feet after a hack or data breach, not to mention the potential damage to your reputation.

Event Insurance

Our broker can offer package solutions for events of all shapes and sizes. So whether you’re after cover for a business conference or a village fete we have the solutions to adequately protect you from those unexpected problems.

Cover is available for single one-off events or an annual multi-event policy. You may just be an exhibitor looking to cover your stall at an event, they can accommodate this as well.

Heritage & Religious Buildings

Religious buildings can unfortunately often be exposed to claims for theft, vandalism and accidental damage. With access to bespoke products our broker has the sources to ensure that you are fully covered so that you can continue with normal services and not worry about dipping into those precious funds in the event of a claim.

Religious Building Insurance can be tailored to cover the buildings, trustees, volunteers, congregation and visitors. In addition, they can also obtain cover for any fundraising events.

Hotel, B&B, and Guesthouse Insurance

Whether you’re a 3 bed B&B or a 100+ bedroomed Hotel we have access to plenty of competitive insurance products to find you the best deal. Hoteliers face an array of risks including fire, escape of water, and accidental damage; to the buildings, contents, and stock; liability to their employees, and customers; products liability for the food and drink that they sell; and also the potential for large business interruption losses. Our broker can consolidate multiple covers under a business package policy saving you time and money!

Types of businesses covered include...

  • Bed & Breakfast Insurance (licenced & un-licenced)
  • Guest House Insurance
  • Boutique Hotel Insurance
  • Spa Hotel Insurance
  • Large Hotel Insurance

Launderettes & Dry Cleaners

Our insurance broker has access to specialist schemes providing competitive cover for a wide range of risks that could affect Dry Cleaners & Launderettes. Get competitive comprehensive cover with their Dry Cleaners and - manned or unmanned - Launderettes Insurance products.

Motor Fleet Insurance

The UK fleet insurance market is rather limited in terms of insurer numbers in comparison to other insurance products, that’s why our broker utilises their strong insurer relationships, making sure no stone is left unturned to ensure you benefit from competitive premiums. The market is continually changing so they will review the market periodically to ensure that you are not paying over the odds. They can also look to transferring your No Claims Bonus entitlement where your previous policies have been individually No Claims Bonus rated (an average of 2 years NCD per vehicle is preferable). They will offer flexible policies which offer any licensed driver 30+, 25+, 21+ or even “Any Licensed Driver” (subject to underwriting approval), plus, they only require limited information in order to provide your no obligation quote.

Motor Trade Insurance

Motor Trade Insurance, which is also known as Traders Insurance, provides full cover for those in the motor trade industry, from car dealerships to motor mechanics, and motor servicing to individuals buying or selling vehicles independently or commercially. Our broker can also arrange combined policies to not only include your motor trade insurance, but your premises cover also.

Our broker can cover various motor trade activities including:-

  • Auto Electricians Insurance
  • Body Repair Shop Insurance
  • Car Dealership Insurance
  • Exhaust Fitters Insurance
  • Mobile Diagnostic Tuners
  • Mobile Screen repairs Insurance
  • MOT & Servicing
  • Motor Mechanics Insurance
  • Motor Trade Dealer Insurance
  • Paint Sprayers Insurance
  • Recovery & Salvage Insurance
  • Repair Garage Insurance
  • Second-hand Car Sales Insurance
  • Smart Repair Insurance
  • Tyre Fitters Insurance
  • Valeting Services Insurance
  • Vehicle Restoration Insurance
  • Vehicle Trimmer & Upholsterer

Office & Surgery Insurance

Our broker can arrange all types of office insurance from home-workers and shared ‘smart’ office spaces, to high-street and multi-site offices. They can provide standard office cover for your general clerical trades such as Accountants, Estate Agents, Solicitors, and Marketing agencies; or they can accommodate the more quirky office risks, such as, contractor’s offices with stock, and offices with client workshops and seminars.

Professional Indemnity

This policy will cover you for claims and allegations of professional negligence, mistakes and things you've failed to do. Essential if you provide specialist services, advice, design and recommendations to paying clients. Professional indemnity will cover for the costs and expenses in defending a claim, as well as compensation payable to your client to rectify the error or omission. This is a rapidly growing sector of the insurance market.

Typical clients include :-

  • Accountants
  • Architects
  • Consultants
  • Design & Branding
  • Design & Construct
  • Education & Care
  • Estate Agents & letting Agents
  • Marketing, Advertising & Sales
  • Media & Broadcasting
  • Property Consultants
  • Software & Technology Companies
  • Website & Application Developers

Pubs, Restaurants & Takeaway Insurance

In recent years, the pub and restaurant industry has seen some seismic changes in response to consumer behaviour. With a decline in traditional pubs, but a corresponding increase in themed gastro-pubs and restaurants, many businesses now realise the importance of standing out from the crowd by having a unique service offering. Examples include themed pubs and restaurants with expensive fixtures, fittings, and contents; and live entertainment, along with unique customer experiences.

Typical clients covered includes:-

  • Café Insurance
  • Fast Food Retailer Insurance
  • Fish & Chip Shop Insurance
  • Franchise Insurance
  • Pub Insurance
  • Restaurant Insurance
  • Snack Bar Insurance
  • Takeaway Insurance

Recycling & Waste Centres

Our broker can cover the risky business of recycling which many insurers and brokers will shy away from!

They can cover businesses that are involved with; landfill, recycling centres, skip hire, scrap yards, transfer stations, incinerator operations and waste management. They also tailor policies for waste management companies, including those involved in clearing building materials, ASBESTOS, green waste, glass, plastics, metal, textiles, timber, electronics and domestic waste.

Residential Care Home Insurance

Residential care homes carry their own set of specific risks including medical malpractice, infectious disease and loss of registration, that’s why our broker offers care home specific cover. With this industry being tightly regulated, with increasing legislation and plenty of competition, our broker understands that keeping insurance simple and hassle free is important so that you can concentrate on the day to day running of your business. Please complete the form below and our broker will call you to give you a bespoke quote for your business.

Security Trades

Our insurance broker can offer a policy for businesses involved in manned security guarding, alarm installation and maintenance, plus CCTV and fire extinguisher operations. They also have a separate product for Door Supervisors.

Shop Insurance

As a retailer, you’re likely to be exposed to a whole range of risks including material damage, business interruption, theft of takings, casualty liability, products liability, cyber liability and legal expenses to name a few.

Our broker can cover all shops including :-

  • Bakery Insurance
  • Barber shop Insurance
  • Beauty Salon Insurance
  • Butcher Shop Insurance
  • Clothes Shop Insurance
  • Coffee Shop Insurance
  • Cycle Shop Insurance
  • Electrical Shop Insurance
  • Fishmonger Shop Insurance
  • Florist Shop Insurance
  • Furniture Shops Insurance
  • Grocer Shop Insurance
  • Hairdressers Insurance
  • Jewellery Shop Insurance
  • Newsagent Insurance
  • Off-Licence Insurance
  • Pet Shop Insurance
  • Sandwich Shop Insurance
  • Second Hand Shop Insurance
  • Toy Shop Insurance
  • Travel Agents Insurance
  • Vape Shop Insurance

Sports & Social Club Insurance

Our broker can offer insurance cover for any type of member owned club, or private club, including food and drink sales, and clubs which operate a member's only policy.  There are a many differing risks that a club could be exposed to such as fire damage from the club kitchen; theft of wines, spirits, or petty cash; injury to members, their guests, staff, and volunteers. Whatever the risks faced by your business, our broker has robust insurance products to protect your club.

Tradesman Insurance

As a self-employed tradesman, it is essential that you obtain adequate Public Liability Insurance, as this will protect you if you are subject to litigation for any third party injury or third party property damage that has been caused by you. Our broker can offer public liability coverage up to £10m to protect you from legal defence costs and also compensation costs awarded to a third party. A Tradesman policy will be rated on a “Per Capita” basis. If your business employs more than 10 staff at any one time, then a “Wages & Turnover” rated Contractors' policy may be more appropriate. Please complete the form below for your no obligation advice and quote.

Locations

We currently serve the following UK post code areas (for example AB - Aberdeen means all areas in and around Aberdeen whose postcode starts with AB) :-

AB - Aberdeen, AL - St Albans, BA - Bath, BB - Blackburn, B - Birmingham, BD - Bradford, BH - Bournemouth, BL - Bolton, BN - Brighton, BR - Bromley, BS - Bristol, BT - Belfast, CA - Carlisle, CB - Cambridge, CF - Cardiff, CH - Chester, CM - Chelmsford, CO - Colchester, CR - Croydon, CT - Canterbury, CV - Coventry, CW - Crewe, DA - Dartford, DD - Dundee, DE - Derby, DG - Dumfries, DH - Durham, DL - Darlington, DN - Doncaster, DT - Dorchester, DY - Dudley, EC - London, EH - Edinburgh, E - London, EN - Enfield, EX - Exeter, FK - Falkirk, FY - Blackpool, G - Glasgow, GL - Gloucester, GU - Guildford, GY - Guernsey, HA - Harrow, HD - Huddersfield, HG - Harrogate, HP - Hemel Hempstead, HR - Hereford, HS - Western Isles, HU - Hull, HX - Halifax, IG - Ilford, M - Isle of Man, IP - Ipswich, IV - Inverness, JE - Jersey, KA - Kilmarnock, KT - Kingston Upon Thames, KW - Kirkwall, KY - Kirkcaldy, LA - Lancaster, LD - Llandrindod Wells, LE - Leicester, L - Liverpool, LL - Llandudno, LN - Lincoln, LS - Leeds, LU - Luton, ME - Medway, MK - Milton Keynes, ML - Motherwell, M - Manchester, NE - Newcastle, NG - Nottingham, N - London, NN - Northampton, NP - Newport, NR - Norwich, NW - London, OL - Oldham, OX - Oxford, PA - Paisley, PE - Peterborough, PH - Perth, PL - Plymouth, PO - Portsmouth, PR - Preston, RG - Reading, RH - Redhill, RM - Romford, SA - Swansea, SE - London, SG - Stevenage, SK - Stockport, SL - Slough, SM - Sutton, SN - Swindon, SO - Southampton, SP - Salisbury, SR - Sunderland, S - Sheffield, SS - Southend - On - Sea, ST - Stoke - On - Trent, SW - London, SY - Shrewsbury, TA - Taunton, TD - Galashiels, TF - Telford, TN - Tonbridge, TQ - Torquay, TR - Truro, TS - Cleveland, TW - Twickenham, UB - Uxbridge, WA - Warrington, WC - London, WD - Watford, WF - Wakefield, W - London, WN - Wigan, WR - Worcester, WS - Walsall, WV - Wolverhampton, YO - York, ZE - Lerwick.

The Application Process

  1. Use the form below for a no-obligation conversation with an insurance broker who will discuss your requirements and assess risks which you need to cover.
  2. They will talk through the products to ensure that you understand each product fully and help you fill out any required forms. They will then submit your application to the chosen insurer on your behalf.

Please complete this form to get free advice and a no obligation quote from our independent insurance broker

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