Shops & Offices Insurance

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SME Insurance 

Shops & Offices Insurance

Insurance designed to fit.

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector with our specialised offices insurance. Allowing business owners the peace of mind that their premises is in safe hands, our team can work with you to find the ideal shops and offices policy for your needs and business.

All businesses need insurance that is fully tailored to the risks they face. Shops and offices require this level of protection, just as any other business does. We will get to know you and your business, either in person or over the phone for convenience, and will work out what cover you need and what cover you don’t. You can trust that the Shop Insurance or Office Insurance we provide meets your business demands and needs. If you are going to need multiple different covers for your business, take a look at our Combined Commercial Insurance for one insurance deal to cover multiple areas.

The typical shop and office insurance policy covers stock and equipment, employers’ liability, public liability, goods in transit and business interruption cover. Working closely with you, our team can ensure we find the exact level of cover you require to keep your business protected from the relevant risks it faces day to day.

Working with a panel of insurers who trade electronically enables us to deliver swift and efficient solutions. In most cases, we can deliver a same or next-day insurance policy, but for more complex requirements, a face-to-face visit will be arranged where we will undergo a thorough on-site risk assessment.

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SME Insurance by Sector

Cyber

Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.

Fleet

One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.

Tradespeople

Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.

Landlord

Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.

Bakery

Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.

Architects

Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.

Surveyors

Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I

Contact? 

If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I

Contact? 

Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Claims Support

We will act on your behalf, to manage your claim from initial notification to settlement. We will also make sure you are kept up to date throughout the entire process.