Saving businesses every day with commercial insurance policies

SAGIC has been providing insurance since 1909. Let us take care of your insurance needs too.

You can customise our commercial insurance cover to suit your business’s unique needs.

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.

Summary of cover

Our commercial insurance policies provide:

  • Property Cover
  • 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.
  • Liability Cover
  • 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 responsabilities 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

  • Buildings
  • Contents and personal effects
  • Stock
  • 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

Other benefits:

  • 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

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NO interest on monthly payments

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NO amendment fees

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NO credit card charges

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NO cost for postal confirmations

Why choose us?

We are more than an insurance company


We are 100% owned by
The Salvation Army


We give back to those in need


Our policies change the lives
of people every day

How to make a claim

In the event of the claim then please contact our office on

0300 030 1865

Opening hours are 9 am - 5 pm Monday - Friday.

Outside these hours there is a 24-hour Emergency Helpline available on the same number.
Or email

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