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

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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 suit a wide range of trades.
  • Quotes from a panel of leading insurers so that you’ll pay a competitive price.

Insurance Solutions from Gallagher

We have chosen to work with Gallagher, one of the UK’s largest insurance brokers. As a broker, Gallagher have access to a panel of insurers plus they provide professional advice and expertise, helping you get the right insurance for 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.

  • 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.

  • 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.

  • 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.

  • 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 (Mon-Fri, 8am -6pm) 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 (9am to 5pm, Monday to Friday).

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.

Public liability insurance

Professional Indemnity

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.

Indemnity insurance

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.

Landlord insurance information

Insurance Contact Directory

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

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  • 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.

  • 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 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 9am to 5pm, Monday to Friday.

Call 0345 377 0001

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.