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:

SME Insurance by Sector


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.

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.

Business Interruption

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


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

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

Media Professionals

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

High Net Worth

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

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

Civil Engineering

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

Business Owners Policy, is an enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk

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


As a consultant, your clients rely on you for service and advice as well as being an expert in your field of work.

Domiciliary Care

If you are a self-employed carer, or you run a home care business, you are in a position of trust and responsibility.

Commercial Combined

With so many areas of risk to consider, we guide you through the process of selecting the cover that you require to protect your business.

Charity Insurance

Running a charity, social club, community group is a highly rewarding endeavour ; it also comes with a unique set of risks.

Engineering Insurance

Engineers require insurance for a wide range of scenarios and risks associated with the day to day working environment.

Food and Drink Insurance

Food and drink industry continues to rapidly expand in the UK including a huge variety of different risks to be aware of.

Kidnap and Ransom Insurance

Protecting against a range of security risks such as threat and extortion, kidnap and ransom insurance policies can help companies exercise reasonable care.

Manufacturing Insurance

All types of manufacturing involve complex processes which require specialist insurance to protect against day to day risks faced.

Retailers Insurance

Running any shop, whether it is a small specialist business or a large high street fashion store throughout the UK.

Salon Insurance

For the salon owner, it is important that all the risks of running a successful salon are covered by the right insurance more

Surgery Insurance

Running a busy surgery exposes your business to several risks. Erskine Murray can help you to choose the right insurance products tailored to your needs.

Tradesman Insurance

With thousands of different trades in the UK, Erskine Murray can help tailor individual insurance products specific to your needs.

Warehouse Insurance

The insurance needs for warehouses can be very specific with different warehouses requiring different levels of insurance cover to manage risks.

Block Insurance

Specialist insurance products for blocks of flats whether you’re a freeholder, leaseholder or a management company, we can help.  

Tools Insurance

Insurance to protect your own personal tools, hand tools, power tools and plant equipment against loss, damage or theft.   

Business Buildings Insurance

Business building insurance cover for the building you run your business from, covering you from repairs and rebuilding costs.  

Business Contents Insurance

Business contents insurance is a type of business insurance that protects your organisations possessions and equipment in your work premises.

Contract Works Insurance

Contracts all risk works insurance covers construction work that’s in progress on a building site. Speak to a team member today for a tailored quote.

Employers Liability Insurance

Employers’ liability insurance works to protect you against the cost of compensation claims made against you from employee illness or injury.

Personal Accident Insurance

Also known as personal injury insurance, is designed to pay out compensation upon suffering from death or serious injury as the result of an accident.

Product Liability Insurance

Product liability insurance can cover the cost of compensation claims that are made against you in related to a product that you’ve sold. 

Public Liability Insurance

Public liability insurance protects your business against compensation and legal costs if you cause injury to a third party or damage to a property.

B&B Insurance

When running a B&B you will need to consider insurance to protect you, your guests, your property and it’s contents.

Buy To Let Insurance

Get useful features such as building insurance, accidental damage cover and financial protection against loss of rent.

Empty Property Insurance

There’s a higher chance of damage to a property when nobody is living in it. Get empty property insurance to make sure that secured against empty property damage or theft.

Hired In Plant Insurance

Contractors' Plant covers the insured's own plant and equipment on an 'All Risks' basis. It can also cover their legal liability under terms of their hiring agreement.

Hotel Insurance

Hotel insurance covers the issues that can arise in the day to day running of a hospitality business.

Pub Insurance

Erskine Murray can help you to build out the right insurance policy to take care of the risks your pub faces.

Rent Protection Insurance

Non-paying tenants are a landlord’s worst nightmare. Protect yourself against losses by taking our rent protection insurance with Erskine Murray.

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.