SAGIC provides a range of commercial insurance products that can be tailored to suit many businesses and organisations including community groups, guest houses and hotels, home businesses, offices, restaurants and shops.
What do our commercial policies cover?
We only cover you for what your business needs and each policy can be tailored to its individual requirements.
Self storage companies usually offer their own insurance, but it doesn’t mean that you have to take theirs. In fact it’s often much more cost-effective to purchase it from a specialist insurer.
Our policies can cover purpose built storage units with internal and external units and storage facilities with storage containers. Please see our policy wording for more details on exactly what security and facilities units are required to have to be covered.
Summary of cover
Our commercial insurance policies provide:
Business premises insurance that protects buildings against fire, storm, flooding and explosions. Tip: Ensure you have enought cover for a full rebuild.
Business contents insurance which is highly recommended if your business uses expensive equipment.
Stock insurance is often separate from contents insurance. It covers stock on business premises and in transit for theft and damage, for example, by fire or flooding.
Public liability, which is not a legal requirement in the UK, but is highly recommended in case any visiting third parties are injured or their property is damaged as a result of your business operation.
Employers’ liability insurance, which is a legal requirement even if you only have one staff member. It provides protection for any of your legal responsibilities towards employees becoming ill or injured as a result of their work.
Home business insurance is necessary for all businesses that operate from home. Standard home insurance will not cover business risks. In fact, business risks may negate aspects of your home insurance policy.
Features of the cover
- Contents and personal effects
- Office equipment
- Loss of income
- Heating installations
- Glass breakage
- Loss of frozen foods
- Theft of cash
- Cover for employees and authorised volunteers who can’t work due to an accident
- Property owners’ liability
- Legal liability, including liability to employees, authorised volunteers and members of the public following an accident
- At SAGIC can also arrange cover for Other risks
- Long-term agreement discounts if you use us for all your commercial insurance needs for 3-5 consecutive years.
- Option to pay premiums in monthly instalments. Contact us for more information.
This policy comes with
NO interest on monthly payments
NO amendment fees
NO credit card charges
NO cost for postal confirmations