Climate change is already influencing how business insurance is priced and underwritten.

Rising costs mean many small businesses are unknowingly underinsured.

Commercial Combined insurance brings key business covers together in one flexible policy.

Rising costs mean many small businesses are unknowingly underinsured, leaving them exposed.

From online systems to cyber attacks, everyday digital risks threaten small businesses.

From tool theft to injury claims, everyday risks threaten tradespeople’s income.

Public sector work requires liability cover and continuity planning.

Ice, frost and compacted snow make slips the number one winter claim.

Public liability insurance (PL) can help manage risks if you are legally liable.

Climate change is creating new risks for UK SMEs, from floods and storms to heatwaves.

Check your cover and keep your staff, customers and premises safe.

From AI-driven cybercrime to climate pressures, SMEs are navigating a more complex landscape than ever.