Commercial Insurance

Commercial Insurance plays a vital role in protecting businesses in East Lancashire, Padiham and all across the country. We can arrange tailored cover options, catering to the specific needs of industries and businesses.

Wherever you are based, we can arrange the right insurance for you.

Whether that be on our Lancashire doorstep, in Burnley, Blackburn, Preston or anywhere up and down the UK.

Why trust Sagar with your business?

Excellent service

Our excellent service is characterised by responsiveness, expertise, personalisation, reliability, and efficiency, ensuring your needs are met efficiently and effectively.

Specialist experts

Sagar Insurances have 60+ years' experience in Commercial Insurance with a dedicated Account Manager, we can take the time to understand your complex insurance risks.

Brown & Brown

We have the advantage of being supported by Brown & Brown - one of the world's largest insurance brokerages, which provides us with access to exclusive rates.

Is Commerical Insurance right for you?

Gentleman signing agreement in office

What is Commercial Insurance?

Commercial Insurance is a variety of insurance cover specifically designed to protect businesses from potential risks and liabilities. It can provide businesses with financial protection against unexpected events that may otherwise cripple their operations.

By choosing the right Commercial Insurance policies, businesses of all sizes and across all industries can safeguard their assets, employees, and reputation. Commercial Insurance policies can cover a wide range of risks, such as general liability, commercial property, professional liability, cyber liability, and business interruption.

Depending on the type of business and the nature of the risks it faces, different types of Commercial Insurance policies may be needed. Insurance brokers, like Sagar Insurances, play a vital role in this process by providing knowledgeable guidance on the range of cover options available, and assisting with claims management.

Overall, Commercial Insurance is a vital investment that helps protect businesses from significant financial losses, allowing them to focus on their daily operations with peace of mind knowing that they have the necessary cover in place.
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Do I need Commercial Insurance?

Commercial Insurance is a vital necessity for businesses of all sizes and industries. It provides essential protection against a wide range of risks and liabilities that can potentially damage your organisation's financial stability and reputation. Whether it's property damage, liability claims, or employee injuries, Commercial Insurance can offer the necessary cover to mitigate these risks and ensure smooth operations.

Moreover, some industries have specific legal requirements mandating Commercial Insurance cover. Failure to comply with these requirements can lead to legal and financial consequences. By investing in Commercial Insurance, you not only protect your assets and financial well-being but can also demonstrate your commitment to responsible business practices.

Having the appropriate insurance cover provides peace of mind, allowing you to focus on running your business without constantly worrying about unforeseen events. In a competitive market, having Commercial Insurance can also help attract clients and partners who prioritise risk management and want to work with reliable, insured businesses.

Talk it through with one of the team

For a bespoke insurance quote or for more information on the areas we cover, call us today. Or drop us an email, and we will get in touch as soon as possible: info@sagarinsurances.co.uk

We've got you covered

We cover an extensive range of businesses, from start-ups to corporations operating in multiple locations. Our clients include small and medium enterprises, professional service providers like accountants, lawyers, architects as well as large manufacturing industries. We understand the unique risks and challenges that different industries face, and we work closely with our clients to develop tailored insurance solutions that address their specific needs.

At Sagar Insurances, we arrange tailored insurance polices for a wide variety of businesses and industries. Just some of the industries we support are: pubs and restaurants, hotels, retail, office, tradespeople, contractors, commercial vehicle, technology, commercial cleaning and manufactures. Whether it's protecting hotels from property damage or liability claims, providing comprehensive cover for retail businesses, or offering specialised policies for technology companies, we have the knowledge and experience to provide the right insurance cover for your business.

Learn more about the types of cover for Commercial Insurance

Professional Indemnity Insurance is an important form of Commercial Insurance, specifically designed to protect businesses and professionals from potential claims made by clients and customers. It provides cover for alleged errors, or negligence in the provision of professional services. This type of insurance is particularly important for industries that offer advice, expertise, or services.

By having Professional Indemnity insurance, you can protect yourself from the financial consequences of legal costs and compensation claims arising from such incidents. It is crucial for professionals to have a clear understanding of the types of claims that may arise and their potential impact, to ensure they have sufficient cover.

Mistakes can happen to anyone, hence having the appropriate cover is of utmost importance.

Employers' Liability Insurance is a legal requirement for the majority of businesses and industries in the UK that employs staff, whether it's a small or large enterprise. This cover protects businesses against any legal and compensation expenses arising from employee claims.

The health and safety of your employees should be a top priority as an employer, and it is vital to uphold this responsibility. Accidents can happen unexpectedly, and even a minor incident, such as slipping on a wet floor, could result in a claim. By having Employers' Liability Insurance in place, you can protect the reputation of your business and mitigate the financial risks associated with employee injuries or illnesses that occur in the course of their work for you.

Public Liability Insurance is a key product that protects your business against third-party claims for property damage or bodily injury, that occur on your premises or as a result of operations. With Public Liability Insurance in place, businesses can protect themselves from significant financial losses and reputational damage that may arise from accidents or incidents involving customers, suppliers, or members of the public.

If your staff regularly work off-site, if you’re a tradesman, or if customers visit your premises, you should consider Public Liability Insurance to protect your business from associated risks. While every trade carries inherent risks, businesses that frequently interact with people should be prepared for potential liabilities related to injuries and property damage.

We can provide tailored Public Liability cover for Tradespeople, Offices, Retailers, Hospitality and more.

Product Liability Insurance provides essential protection for businesses that manufacture, distribute, or sell products. It can cover legal expenses and potential settlement costs in the event that your product causes harm or property damage to a consumer or client.

You may only be one part of a product’s supply chain, however, you could still face a claim if a break or disruption is discovered and causes injury or damage. In certain situations, you may be liable even if you haven’t actually manufactured the product.

We can offer Product Liability Cover for a wide range of trades including: Contractors, Retailers, Hospitality, Technology, Commercial Cleaning, Motor Trade, Family Owned Businesses and more.

Personal accidents can happen unexpectedly, and the impact on both the individual and the business can be significant. That's why we offer comprehensive Personal Accident Insurance as part of our product offerings. This insurance policy can provide cover for you and other insured employees in the event of temporary or permanent injuries resulting from accidents; regardless of whether the accidents occur at work or outside of work. It can offer financial protection by covering medical expenses, disability benefits, and even accidental death benefits.

We have access to a wide range of insurance providers and can negotiate competitive rates. Whether it's a temporary disability or a long-term injury, our Personal Accident Insurance will give you and your employees peace of mind. Invest in Personal Accident Insurance to protect your business and key employees from potential disruption and financial strain.

If your work involves using the internet, such as being a business owner, contractor, or freelancer, it is important to acknowledge the potential risks of cyber-crime and data breaches. Having Cyber and Data Insurance cover can help mitigate the damages potentially caused by malware, phishing and restore any losses in such situations. With cyber threats on the rise, businesses face significant risks related to data breaches, cyber-attacks, and loss of sensitive information.

If your business operates predominantly online or you handle large amounts of information, then cyber cover could play an important role in risk management and can help with the smooth operating of your business. Our Cyber and Data Insurance cover extends to various aspects, including financial loss due to cyber-attacks, response expenses, legal fees, and potential regulatory fines.

Legal Protection Insurance is designed to safeguard businesses from unforeseen legal issues and related expenses such as lawsuits and other legal claims. Whatever the cost is, whether it’s debt recovery, an unexpected employment dispute, damage to property or client contract issues, legal costs can quickly rise. It can protect your business from the high costs associated with legal action and other legal liabilities. By providing legal protection cover that is tailored to the unique requirements of our clients, we strive to provide peace of mind and support at a time when they need it most.

We offer Legal Protection Insurance to a variety of industries and businesses including: construction, technology companies, pubs and restaurants, motor trade and commercial vehicles, manufacturing and more.