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Almost every business in the UK needs some form of insurance, something as simple
as a slip, trip or fall could result in a claim. Once the costs of legal fees are added then even a small claim can
end up costing your business tens of thousands of pounds.
Business insurance can protect you against the unexpected. By having the right cover in place you’ll be able to
carry on running your business with minimal disruption.
Your business is unique so it can be difficult to know what the specific insurance needs
are. However, most business risks come under one of the 4 below categories.
Working at a customer’s premises has its own unique set of challenges and risks. From spilling a hot drink over
your customer’s laptop to leaving a loose wire which their child trips over there’s lots of small accidents that
could happen. However, even small accidents can result in large costs if a claim is made against you. Public
Liability cover can help protect you against the unexpected and provide the peace of mind you need to focus on
You’re an expert in your field and your customers know that and so they rely on the quality of your advice and
services. Unfortunately though mistakes can, and do, happen in all professional businesses. From losing your
clients information to making measurement errors, anything which causes a financial loss could result in a claim.
This might not be a direct financial loss
– if a piece of work is delayed then your client might lose out on a
The costs of resolving and defending these types of claims can come to tens or hundreds of thousands of
pounds and force uninsured business to close. With professional indemnity cover you can be assured that
you’re protected should the worst happen, allowing you to focus on delivering for your clients.
You’ve discovered that leading a team of employees is very rewarding, but you also have a responsibility to
those employees. Accidents can happen in any workplace and if a colleague is injured then your business can
be held liable for compensation. The most common claims made by employees are for slips, trips and falls
your business at risk?
To protect both employees and employers it is a legal requirement for almost all UK businesses with
employees to hold employers’ liability cover. If you don’t have it you could face fines of up to £2,000 a day.
Maybe you own a shop, pub, restaurant or office. Whatever it is, your business premises are crucial to your day
to day running of your business. To keep your business running you need to manage your premises, this means
keeping staff and customers safe as well protecting any stock or equipment.
To ensure your business is protected you need insurance that covers a wide range of risks from small accidents
to major events such as fires, floods or theft. You should consider a specialist package designed to meet your
specific insurance needs.
At Bank of Scotland Business Insurance Services we want to help you to protect your
business so you can focus on the important tasks. To do this we’ve chosen to partner with Arthur J. Gallagher
Insurance Brokers Limited, one of the UK’s largest insurance brokers.
Whether you’re ready to get a quote or are looking for further guidance you can speak
with an insurance specialist by calling 0345 377 0001.
Learn more about Public Liability
Find out about Professional Indemnity
Discover insurance for Shops & Salons
Read more on Landlord Insurance
When you get a quote your specialist adviser will ask a few quick questions about your
business such as the work you carry out and your employee details. By doing this they can help you get the
cover your business needs.
Insurance covers are subject to the individual terms, conditions and exclusions of the
insurer providing them. Always review the policy documentation supplied during the quote process to ensure
you have the cover you need.
Please check you have all the cover you need by reading the policy documentation
carefully (this will be provided during the quoting process).
This insurance product is subject to individual terms and conditions and some exclusions apply. Please ask for a
copy of the terms and conditions for full details.
Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance
Brokers Limited which sources products from a panel of insurers. Arthur J. Gallagher Insurance Brokers Limited,
registered office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland.
Company Number: SC108909. Authorised and regulated by the Financial Conduct Authority (Firm Reference
Number: 311786). The Bank of Scotland brand and logo are used under licence.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Please note that any data sent via e-mail is not secure and could be read by others.
Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.
We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com.
This site is intended for UK residents unless otherwise stated.
© Bank of Scotland plc 2015. All rights reserved
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