This policy is an upgraded and more comprehensive policy than our Starter package for UK domiciled craft traders (people or companies that make some or all of the goods they sell) that do not have a  wholesale or online retail turnover of more than £25,000 a year.

The policy not only covers Public Liability, Products Liability and Employer’s Liability as per the Starter, as well as offering stock, goods in transit, business interruption, Legal Helpline and HMRC investigation cover. Premiums are based on the sum insured required and we can cater for clients with stock limits from £2,500 to £100,000, with Goods in Transit and Business Interruption up to £15,000.

As well as having an inhouse facility for the above, we also place business that doesn’t fit the above criteria with various other insurers, should you require higher limits or other specific requirements.

Before you go on cover you should please complete the proposal form and read the other files.

Proposal FormProposal Form and Demands and Needs Statement – We require this completing before we can place new business on cover. It contains most the questions we are likely to require in order to provide a quote and place cover on your behalf. The Demands and Needs Statement is a quick, generic guide to the package and covers offered.

Terms Of Business AgreementTerms of Business Agreement – This document outlines the terms under which we will conduct business with our clients, cancellation rights a rough list of services that will incur extra charges and details of the FSA, Financial Ombudsman and how to make a complaint. Unless agreed otherwise incepting cover for a policy through us infers that you have accepted our Terms of Business.

Terms & ConditionsTerms and Conditions – A quick list of key terms and conditions likely to apply under your policy. Also a list of most of the trades or circumstances we cannot cover under the policy.

Demands & Needs StatementCommercial Combined Policy Summary

Please Contact:


Tel:         01342 327250

Fax:        01342 323826