Welcome to Insurance Choice

A key section of your beauty and/or hair saloon cover is the treatment risk extension, which covers third party injuries that can occur while you’re working. Cover is available for various treatment types, and we can tailor a policy to suit your requirements.

Beauty Salon Insurance could cover:*

• Buildings and contents

• Stock

• Glass and signage

• Business interruption

• Employers’ Liability up to £10 million

• Public and Products Liability up to £5 million

• Book debts and accounts receivable

• Money in safe, on premises or in transit

• Tenants’ improvements

*All features and benefits are subject to eligibility and underwriting criteria.

In addition to Care Home insurance, we can also arrange cover for domiciliary care providers. We have access to established markets to meet your cover requirements. We can also arrange additional specialist cover for Management Liability and Malpractice with Limits up to £10,000,000.

Care Home Insurance could cover:*

• Buildings and contents

• Malicious attack

• Residents’ effects

• Business interruption and alternative accommodation

• Public and Employers’ Liability

*All features and benefits are subject to eligibility and underwriting criteria.

We can arrange tailored Commercial Combined insurance policies suitable for your business’s specific requirements.

Business Interruption insurance is a key area of cover following a catastrophic event. The policy is designed to cover your loss of profit and fixed overheads in the event of insured loss (a flood or fire, for example).

Optional Business Interruption extensions:

• Denial of Access

• Utilities

• Specified Supplier and Customer

Commercial Combined Insurance could cover:*

• Employers’ Liability

• Public and Employers’ Liability

• Product Liability

• Business interruption and loss of profits

• Buildings, contents, material, and stock

• Goods in transit

• Business equipment

• Legal expenses

*All features and benefits are subject to eligibility and underwriting criteria.

Whether you own a single property or a portfolio of properties, we can arrange a tailored property insurance package to meet your requirements.

Working with key partner markets, we’re able to arrange property insurance for buildings that are undergoing minor cosmetic works or major renovation, including structural changes.

Understanding the current climate is key to helping us give you the best advice. Working closely with RebuildCostAssessment.com, we’re able to connect you with a Chartered Surveyor (from the Royal Institution of Chartered Surveyors) who will consider various market conditions to provide you with an accurate rebuild valuation for your property.

Commercial Property Insurance could cover:*

• Buildings insurance

• Employers’ Liability

• Contents cover

• Loss of rental income

• Goods in transit

• Business interruption

*All features and benefits are subject to eligibility and underwriting criteria.

Contractors’ insurance arranged by Insurance Choice is designed to cater for the now and be flexible for the future.

The insurers we work closely with are able to place a wide range of contracting business from painting and decorating to full turnkey construction, including speculative developments.

We’re also able to support you with your Professional Indemnity insurance, Personal Accident and Business Travel, and Fleet insurance.

Contractor Insurance could cover:*

• Negligence

• Public Liability

• Professional Indemnity insurance

• Employers’ Liability

• Business insurance

• Buildings insurance

• Contents insurance

• Business interruption

*All features and benefits are subject to eligibility and underwriting criteria.

Combined Liability provides cover for Public, Product and Employers’ Liability, often for businesses with a unique trade that require a more bespoke policy.

This could be because of manufacturing a high-volume product which is sold into the US and North American market, or a product which has recently gone through research and development.

We can also arrange cover for high-risk trades or tradespeople working on high-value sites. Examples include railside, airside or great depth and height.

Combined Liability and High-Risk Liability Insurance could include:*

• Public Liability

• Product Liability

• Employers Liability

• Excess Layer

Cyber-attacks are affecting us in our daily lives and during our working life. As technology develops and hackers become more intelligent, Cyber insurance is going to become more important.

The cover provided by Cyber insurance forms part of your business continuity programme, as the support the cover provides will help you manage various effects resulting from a cyber incident.

Cyber Insurance could cover:*

• The costs of restoring data and equipment

• Informing clients of a data breach

• Meeting ransom demands

• Loss of net profit

• Public Relations

• Legal defence costs and damages you are liable to pay to other parties

*All features and benefits are subject to eligibility and underwriting criteria.

Through our partner markets, we’re also able to consider new fleet business for both new vehicles, and vehicles which have previously been rated on private car or commercial vehicle policies with a no-claims bonus.

In addition to standard fleet risks, our insurers can provide cover for self-drive hire fleets and single vehicles. You may have a fleet of vans for hire or a single motor home you rent out when you’re not using it; we’re able to place these risks with the support of our insurers.

Fleet Insurance could cover:*

• Comprehensive or Third Party only

• Goods in transit

• Haulage or own goods

• Mixed fleet

• Trailers

*All features and benefits are subject to eligibility and underwriting criteria.

Haulage Fleet insurance policies arranged by Insurance Choice can cover a wide range of haulage-based trades and risks including refrigerated trucks, building materials and more high-risk trades such as fuel and waste transportation.

Arranging tailored and appropriate Haulage Fleet insurance packages suitable for your business needs is what we do. Risks considered from single to multiple vehicle fleets.

Haulage Insurance could cover:

• Competitive rates for new ventures

• UK-based claims assistance

• Public and private

• Hire fleet.

In addition to the vehicle insurance, we’re also happy to look at your Goods in Transit Insurance and Business Travel insurance.

*All features and benefits are subject to eligibility and underwriting criteria.

From boutique bed and breakfasts to multiple-roomed or fully licensed establishments, at Insurance Choice we understand your business is unique.

Through our valued insurer partners, we’re also able to cover events, functions, conferences, and activities hosted by your venue. 

Hotel and Guest House Insurance could cover:*

• Buildings and contents

• Fixtures and fittings

• Money

• Loss of licences

• Stock, including food and alcohol

• Public and Employers’ Liability

*All features and benefits are subject to eligibility and underwriting criteria.

Whether you own a single property or a portfolio of properties, and whatever type of tenant you have, we can arrange a tailored property insurance package to meet your requirements.

Whether you have a building undergoing minor cosmetic work or major renovation, including structural changes, Insurance Choice work with key partner markets to help arrange property insurance suitable for your build.

Working closely with RebuildCostAssessment.com, we’re able to connect you with a Chartered Surveyor (from the Royal Institution of Chartered Surveyors) who will consider various market conditions to provide you with an accurate rebuild valuation for your property.

Landlords’ Insurance could cover:*

• Buildings

• Malicious damage by tenants

• Property Owners’ Liability

• Unoccupied properties pending let or sale

• Accidental Damage

• Loss of rent

*All features and benefits are subject to eligibility and underwriting criteria.

Management Liability insurance protects company directors, senior managers and officers of charities, boards, and committees if a negligence claim is brought against them in court or at an employment tribunal.

Management Liability is made up of three main components: Directors and Officers Insurance, Employment Practice Liability and Corporate Legal Liability.

Working with a wide range of insurers, we can cover Management Liability for a wide variety of risks, ranging from property management companies to financial lines.

A Stock Throughput policy covers goods while at agreed locations during their journey for the purpose of assembly, manufacturing, storage, and distribution.

Through key insurance partners, we’re able to cover a wide range of risks from importing stock from Asia to shipping completed goods to America.

Marine Cargo and Stock Throughput Insurance could cover:*

• Goods in transit in the UK and worldwide

• Road, rail, and air cargo

*All features and benefits are subject to eligibility and underwriting criteria.

We understand that motor traders’ business can change significantly from day to day. Spending time with our clients and getting to know them and their business is key to making sure we have a good understanding of their requirements.

Working with key insurance partners, we’re able to consider new venture motor trade and established motor trade risks and tailor a policy to meet your requirements.

Motor Trade Combined Insurance could cover:*

• Road Risk Motor Trade Insurance policies

• Full- and part-time traders

• Car valets

• Mechanics

• Collection and delivery

*All features and benefits are subject to eligibility and underwriting criteria.

From boutique hang outs to multi-roomed clubs, we can arrange tailored nightclub packages to suit you and your business.

Nightclubs and late-night venues face unique challenges and no two are ever the same. That’s why, working with our preferred insurance partner, we’re able to arrange a tailored Nightclub package to suit your venue.

Nightclub insurance policies can include cover for:*

• Public and Employers’ Liability

• Buildings, contents and stock

• Loss of licence

• Legal cover

• Personal accident

• Business equipment

*All features and benefits are subject to eligibility and underwriting criteria.

We understand that if you provide a professional service, either as a business or an individual, you want the peace of mind that you have the right protection in place. That’s why, at Insurance Choice, we can help arrange tailored Professional Indemnity insurance policies for all types of professionals, including accountants, surveyors, solicitors, engineers and many more.

Professional Indemnity Insurance could cover:*

• Claims made against you for negligence, or a breach of duty or care

• Directors and officers of your business

• Employment and Public Liability

• Material damage for office contents and equipment

*All features and benefits are subject to eligibility and underwriting criteria.

We love to support the great British establishments that are our public houses and restaurants. That’s why, by working with key insurers, we’re able to arrange cover for traditional venues pouring pints and providing table service, as well as the more bespoke risks such as rooms for rent, wedding hosting and other functions such as an annual ale festival perhaps.

In addition, our insurers are geared up to cover venues with live music, comedy nights and live sports action.

Pub and Restaurant Insurance could cover:*

• Buildings

• Content and stock

• Deterioration of stock

• Loss of licence

• Fixtures and fittings

• Loss of profits from business interruptions

• Public and Employers’ Liability

*All features and benefits are subject to eligibility and underwriting criteria.

Running a shop or an office can seem low risk compared to many professions, but at Insurance Choice we understand that having the right insurance in place is just as important. We work with our panel of carefully selected insurers to arrange cover for your business requirement.

Shop and Office Insurance can cover:*

• Buildings

• Contents and stock

• Deterioration of stock

• Loss of licence

• Fixtures and fittings

• Loss of profits from business interruptions

• Public and Employers’ Liability

• Money

• Goods in transit

*All features and benefits are subject to eligibility and underwriting criteria.

Whether you are a jack of all trades or a master of one, you should protect yourself and your business with appropriate Tradesman insurance. Combining a range of cover options into one policy, Insurance Choice can arrange a tailored package to suit your business's needs.

Tradesman Insurance could cover:*

• Tools and equipment cover

• Public Liability

• Employers’ Liability

• Goods in transit

• Legal expenses

• Business equipment

*All features and benefits are subject to eligibility and underwriting criteria.