Business Centres
Two professional insurance schemes for business centres and their tenants.
Welcome to Business Centres Insurance from AIC.
We have created two distinct insurance schemes for business centres.
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Firstly a personalised branded insurance scheme to cover the tenants, where the business centre owners can earn commission for simply introducing our service to their tenants. We manage an FCA approved insurance offer to the tenants, with discounted premiums, and the business centre merely pass on our jointly branded introduction leaflets – and we do the rest! Commission for any sales to the tenants are shared.
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Secondly a heavily discounted scheme for the business centre to insure their own property and liabilities, from our extensive insurer network, we are sure to beat whatever your existing terms are.
Simply get in touch with our Business Centre team, and we can do the rest, from registering your scheme (to ensure you get your commission payments from any sales to your tenants), or quoting your own insurance needs, we are ready to take your call today.
What does this policy cover?
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Buildings Insurance
From one property to a portfolio we have unbeatable rates and covers available.
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Office Contents & other property
Insuring the technical equipment and stock required to run the centres.
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Professional Indemnity
To protect the business against failures of its professional service.
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Directors & Officers
Covering the management against failures in their service to the business and its clientele.
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Goods in Transit
Even if you’re not physically involved in moving items you may still have legal responsibilities.
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Vehicles
From directors cars to company fleets, and to haulage vehicles, we have access to many insurers offering competitive rates.
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Group Travel & Personal Accident
Ensuring the staff are covered for all their activities whilst carrying out their duties.
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Legal Expenses
Covering legal costs when the business needs it most can be very inexpensive if cover is purchased in advance.
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Cyber Cover
Becoming the most common loss to any SME business, from actual theft, data loss and damaged reputation to clientele, this is now a serious consideration to be insured.
Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.
A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.
Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.
What’s included?
Need help?
Talk to one of our friendly consultants to assess you needs and find a bespoke insurance solution to suit your business.
How to make a claim
Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.
Accreditations and Awards
Our specialist team
One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.
Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.
There’s a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.
- Public & Employers Liability
- Property
- Commercial Combined (package cover including Liability)
- Travel
- Marine Cargo (Goods in Transit)
- Products Liability
- Professional Indemnity
- Directors & Officers
- Trustee Indemnity
- Bonds & Guarantees
- Motor Trade
- Healthcare
- Medical Malpractice
- Shop Package
- Restaurant Package
- Commercial Vehicle
- Fleet
That’s a tough question to answer without first establishing what cover you exactly need. Perhaps you want your premises covered, or maybe you just want the legal minimum cover required such as liability or vehicles? The good news is that we at AIC as brokers, have more insurers available on our panel than nearly any other firm, so we’re bound to find you the most competitive market price on whatever your insurance needs.
We’ll always recommend starting with a conversation with our helpful and friendly staff, so we can assess your needs and find the right bespoke insurance solution for you.
There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under £75 for the year.
Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.
We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.
There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.
Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.
We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.
There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.
The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.
By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.
Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.
