SME Insurance


SME Insurance 

Solutions created efficiently and cost-effectively

Erskine Murray are the insurance brokers you can trust to supply small and medium-sized enterprises with the perfect business insurance policies to protect their enterprise. Understanding the importance of placing insurance quickly and efficiently, we can place cover usually within the same or next working day.

Through a set of carefully devised questions that we ask each client, we can arrange small business insurance remotely, comparing a breadth of insurers for the most suitable cover, allowing us to provide a convenient SME insurance package for your business. For more complex requirements, face-to-face visits can be arranged, where we will spend time unearthing the exact particulars of your business. Our SME insurance package solutions cover commercial insurance to professional indemnity, and we have a wide range of risk management packages to suit whatever you need.

Each of our clients, whether insurance is arranged remotely or after a meeting, will be appointed a dedicated account manager who will handle all of your insurance needs. They will:

  • Contact you throughout the year to ensure your policy is still accurate and up-to-date
  • Ensure a pre-renewal conversation is had 4-6 weeks before your renewal
  • Provide Terms at least 2 weeks before renewal allowing you plenty of time to review
  • Benchmark and remarket your policy to see what options are currently available on the market

SME Insurance by Sector


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

Commercial Combined

An all-in-one package that protects risks such as cover for buildings, stock, contents, interruption and liabilities. 

Directors’ and Officers’

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

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

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.


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.


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.


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.


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.


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


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

Meet our


Employee Benefits

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

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.