Commercial Insurance

Protect your assets, your people and your downtime with cover tailored to meet your needs and leave your insurance to us.
Navigating today's uncertain times is tough, particularly when you need to show confidence to your team, your peers and your investors. But when it comes to protecting your business, you don't need all the answers, you just need an expert on hand who does.

With a reputable Broker like S G Busby Ltd, you can rest easy in the knowledge that it’s taken care of. Price comparison websites may offer an instant quote, but can you be sure it leaves you fully covered? With S G Busby Ltd by your side, the complexities of insurance can be navigated on your behalf by someone dedicated to your specific needs. This means not only can you possibly save valuable time and money, you can also benefit from:
  • Comprehensive review of your insurable risks
  • Policy shaped especially for your needs
  • Appropriate cover that doesn’t leave you over or under insured
  • Broad choice of insurers and coverage
  • Impartial expert advice
  • Guaranteed quality of cover
  • Accessible, dedicated point of contact

    Our team are experts in all aspects of business insurance, including:

  • Professional Indemnity
  • Stock and Equipment
  • Buildings and Contents
  • Public and Employer's Liability
  • Directors and Officers
  • Landlords
  • Cyber
  • Fleet

    Commercial insurance offers a multitude of benefits that are vital for businesses of all sizes.
    Primarily, it provides financial protection against various risks, such as property damage, liability claims, and employee-related injuries.
    This protection ensures that businesses can recover and continue operations in the event of unforeseen incidents.

    Additionally, commercial insurance can enhance a company's credibility, as clients and partners often perceive insured businesses as more stable and trustworthy.
    It also aids in compliance with legal requirements, as many jurisdictions mandate certain types of insurance coverage for businesses. Furthermore, having comprehensive coverage can attract and retain employees, as it demonstrates a commitment to their well-being and security. Ultimately, commercial insurance is a crucial investment that can safeguard a business's assets, reputation, and future growth.
    At S G Busby ltd, we fully appreciate how crucial your people are to your business.

    Your senior leadership team need to take calculated risks every day in order to grow and sustain the company, but these very risks could expose them to claims that leave them personally viable.

    As your broker, we could help you to secure tailored Directors & Officers Cover (D&O). but these very risks could expose them to claims that leave them personally viable.
    This type of policy is designed to protect your key personnel from the personal costs of:

    Legal action from shareholders, creditors and employees

    Investigation by regulators

    Resulting Fines and compensation

    At S G Busby Ltd we would look at every insurable aspect of your business, so you can be confident that your policy does what you need it to, without paying cover for features you don’t need.
    You would also benefit from the following:

    Wide choice of Insurers and coverage

    Impartial, expert advice

    Guaranteed quality of cover

    Save time and money

    Accessible point of contact

    Your dedicated advisor will be on-hand when you need them to provide support and answer any questions you have.
    Should you need to make a claim, we will work with your insurer to make sure you benefit from a fair and timely outcome.
    It is a fact that the insurance industry uses some of the most complex and confusing language out there,
    part of our role is to help clients understand exactly what your policy will and will not cover,so that you do not have to deal with any nasty surprises.

    Professional Indemnity Insurance

      Professional Indemnity Insurance covers you for the compensation you have to pay to your clients or any other third parties
      as a result of problems with your work.

    Public and Products Insurance
      Public and Products Liability Insurance covers you when you have to pay compensation to any third party for
      accidental injury to them or damage to their property, occurring during the period of insurance and as a result of your business.

    Employers' Liability Insurance
      Employer's Liability Insurance is compulsory cover for most companies with employees. It covers you for compensation you have to pay to your employees for accidental injury to them,occurring during the period of insurance and the course of their work for you.

    Cyber and Data Insurance
      Cyber and Data Insurance is designed to support and protect you from evolving cyber threats and risks associtaed with data, whether electronic or non-electronic.
      Smaller attacks against smaller organisations are now so frequent that they are no longer newsworthy. More than 50% of UK SME's have reported being the victim of some sort of cyberattack and the increasing frequency is being matched by increasingly high levels of serverity.

      Cyber Risk is not just about data breaches. Any business that makes wire transfers from a bank account is at risk of funds transfer frau, and social engineering scams have made victims of businesses ranging from building contractors to beauticians. First party business interruption losses do not require business to collect sensitive data to be exposed - merely being unable to access their systems puts businesses at risk of financial loss, particularly where technology is increasingly utilised in day-to-day operations.
      The bank do not have a duty to reimburse theft of funds from your account if you were negligent in allowing access to a fraudster and not if you or an employee of the company were duped into wiring the funds themselves. If the bank is not at fault they will not reimburse.

    Legal Protection Insurance
      Legal Protection Insurance covers you for legal costs, including solicitors' and barristers' fees, court costs, expenses for expert witnesses, attendance expenses and accountantc' fees.bryou must always take into account the significant or unusual exclusions and limitations that apply to policies.

    Call our Commercial Team on 01494 441441, or Send an Email Enquiry, and we will be more than happy to assist you with the insurance coverage you need, big or small.


    • ©2024 S G Busby Ltd (High Wycombe). S G Busby Ltd are Authorised & Regulated by the Financial Conduct Authority (FCA). S G Busby Ltd are Registered in England No: 1173858. Registered Office: Picton House, 106-108 Desborough Road, High Wycombe, Bucks HP11 2PU.
    Data Protection Register Z6020826