Commercial Insurance

Why you need commercial insurance

Commercial insurance is insurance that protects businesses from unexpected and financially expensive—or even commercially fatal—events. The type of insurances your business will need depends on the nature of the business: some businesses are exposed to more or greater risks than others. However, it’s prudent for all businesses have public liability and/or professional indemnity cover in place.

The only insurance that every business employing one or more members of staff (full time or part time) is required by law to have, is an employers liability cover. Employer liability can help cover any claim made by an employee because he or she has incurred an injury or contracted an illness in the course of their work.


Every business faces risks. What risks does your business face?

Is there a chance that the day-to-day activities of your business, or any areas of your premises, pose a risk to the general public?

Do you manufacture, alter or supply goods or products? If so, what could be the consequences if a customer suffered an injury, or worse, as a consequence of using or purchasing those goods or products?

As an employer, does your insurance cover every member of staff employed under a contract of service—including permanent, temporary, contract, apprentices and work placements?

If your stock, plant, equipment or tools were stolen, damaged or destroyed, would they be replaced on a like-for-like basis?

How we can help

We can introduce you to CHAS Insurance Ltd, whose commercial insurance division works with a wide range of businesses. Clients include home offices, one-man enterprises, medium-sized and large businesses, specific trades, shops, landlords, factories, warehouses and manufacturers. Although every business is different, they all have one requirement in common: they look to find the right type of insurance at the most competitive cost.

Flexible, practical, affordable cover

The policies they recommend include policy extensions which provide specific and tailored cover for your industry.

Insurances they can provide

  • Public Liability Insurance
  • Employers Liability Insurance
  • Professional Indemnity Insurance
  • Commercial Combined (Small Business) Insurance
  • Business Interruption
  • Contractors All Risks (Contract Works)
  • Directors & Officers Liability
  • Group Personal Accident
  • Motor Fleet
  • Small / Mini Motor Fleet
  • Product Liability