• Do I need business insurance?

    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.

    How can Bank of Scotland Business Insurance Services help me protect my business?

    Your business is your future so you need to know it has the right protection. We realise that means more than simply getting comprehensive cover. We believe you should have access to:

    • Experienced advisers who’ll assess your needs.
    • A range of available covers and packages to give you flexibility in your choice.
    • Quotes from a panel of leading insurers so that you’ll pay a competitive price.
    • This is why we’ve teamed up with Arthur J. Gallagher Insurance Brokers Limited, a leading UK insurance broker, whose expertise means that you’ll get all of the above. Their quality service will leave you reassured and able to focus on running your business.

    What protection does my business need?

    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.

  • Ready to get a quote? Want Advice?

    Call on 0345 377 0001

    Lines open Monday to Friday 9am - 5pm

    To provide this service we work with Arthur J. Gallagher Insurance Brokers Limited, part of one of the world’s largest insurance broking groups

    Get a Quote
    • I work for customers at their property or premises

      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.

      With public liability cover you can protect you against third-party claims.

    • I provide a service or give advice to my clients

      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 measurements 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 business opportunity.

      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.

    • I employ people

      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 – is 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 £2,500 a day.

    • My business has premises

      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 can find out more about the package covers available by calling 0345 377 0001 to speak with an insurance expert.

  • How can I get the cover I need?

    Whether you’re ready to get a quote or are looking for further guidance you can speak with a specialist adviser by calling 0345 377 0001.

  • Public Liability


    From builders to beauticians and plumbers to plasterers accidents happen to all businesses. Liability insurance can protect you against claims due to employee or client injuries and damage to a client’s property.

    Tell me more

    Professional Indemnity

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    If you offer advice, provide a service or handle data and intellectual property, this policy can protect you in case a problem with your work leads to losses for the client, resulting in a compensation claim.

    Take a look

    Landlord Insurance


    As a landlord a homeowner’s policy may not offer you all the protection you need. Find out more about landlords’ contents insurance, loss of rent cover and other landlord specific covers.

    Find out more

    Insurance Contact Directory

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    Whether you are looking for a quote or are an existing policy holder find the contact number you need.

    View our directory

    • I want to know more about different cover options

      Shop & Salon Insurance

      For shop owners keeping your business open for your customers is your number one priority. Tailor your policy to your business with options such as buildings insurance, public liability and product liability.

      Pub, Restaurant & Café Insurance

      As a pub, restaurant or cafe owner, your business is your pride and joy. Protect your establishment with options such as stock deterioration and business interruption.

      Office Insurance

      A successful office runs like a well-oiled machine. Protect against the unexpected with products including business interruption and computer cover.

      Surgery Insurance

      Nothing should threaten your commitment to your patients. Protect your business with equipment and stock cover in order to protect your patients.

    • Is there anything else I need to know?

      Information you’ll need to provide

      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.

      Keep in Mind

      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.

      The small print

      Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).

    • How to apply

      By phone

      Call 0345 377 0001 to speak with a specialist adviser who will search a panel of leading insurers to get you the right cover at the right price.

      Lines are open Monday – Friday, 9am – 5pm.

      Let an insurance expert call you

      Complete this form to request a call from an adviser.