Running a commercial enterprise in London — whether you manage offices, retail units, hospitality venues, or property portfolios — exposes you to a wide range of operational, financial, and legal risks. A commercial insurance quote is the first step toward protecting your business against these risks, helping you compare coverage, costs, and compliance obligations.
At Fraser Bond, we help clients evaluate quotes and ensure their insurance portfolio reflects the complexity of the London property market. From landlords and developers to service-sector SMEs, the right commercial insurance safeguards your assets and operations against unexpected loss.
Commercial insurance refers to a broad range of policies that protect businesses from everyday risks — such as fire, theft, property damage, liability claims, and loss of income.
Depending on your business type, a commercial insurance policy may include:
Property Insurance – Covers damage to buildings, contents, or equipment.
Public Liability Insurance – Protects against injury or property damage claims by third parties.
Employers’ Liability – Required by UK law if you employ staff; covers injury or illness claims.
Professional Indemnity (PI) – Protects service-based businesses against claims of error or negligence.
Business Interruption Cover – Compensates for lost income following an insured event.
Commercial Vehicle or Fleet Insurance – Covers vehicles used for business purposes.
Cyber & Data Risk Cover – Increasingly important for digital or client-data-driven businesses.
A commercial insurance quote summarises the scope and pricing of these covers, helping you select the right combination for your operations.
A comprehensive quote from an insurer or broker typically outlines:
Business Details – Activities, size, turnover, and location.
Cover Types and Limits – What risks are included (e.g., property, liability, interruption) and how much is insured.
Excess Amounts – The contribution payable per claim.
Premium – Annual or monthly cost of the insurance.
Policy Period – Start and end dates of cover.
Key Conditions & Exclusions – Crucial to read carefully before purchase.
Fraser Bond advises clients to ensure that both property and liability covers are proportionate to the value of the business and the scale of potential claims — especially in high-value London property and commercial markets.
To secure an accurate and competitive quote, follow these steps:
Define your business profile precisely – Insurers rate risk based on turnover, staff size, and activities.
Identify required covers – For example, a property investor may need landlord insurance and public liability; a professional firm may need PI and office contents.
Compare multiple quotes – Obtain quotes from at least three reputable UK insurers or brokers.
Check financial stability and reputation – Ensure your insurer is FCA-regulated and has strong market ratings.
Review exclusions and warranties – Be aware of clauses that could invalidate claims.
Consider additional covers – Flood, terrorism, or cyber risk may be worth including for London businesses.
Align cover with contracts – Developers, tenants, and lenders often stipulate minimum insurance levels in agreements.
Seek expert advice – Fraser Bond helps interpret quote wording and ensure coverage fits your property and operational exposure.
Several major UK insurers and brokers provide quick, online quote systems:
Aviva – Comprehensive commercial packages for property and SME businesses.
AXA UK – Fast online quotes with flexible liability and contents cover.
Hiscox – Specialist professional and office-based commercial cover.
Zurich UK – Suitable for larger property or corporate operations.
Simply Business – Aggregates quotes from multiple insurers for small and medium firms.
Always review the policy schedule and wording — not just the price — to ensure coverage aligns with your risk profile.
Fraser Bond’s strength lies in connecting insurance insight with property and operational reality. We help clients:
Analyse and interpret commercial insurance quotes in context.
Verify compliance with lease obligations, contractual indemnities, and FCA or RICS requirements.
Coordinate with brokers and insurers specialising in the London property and commercial market.
Integrate insurance review into wider asset and investment strategy.
With Fraser Bond’s guidance, you gain the confidence that every quote you accept delivers full protection — not hidden gaps.
Ready to secure your commercial insurance quote?
Visit FraserBond.com or contact our London advisory team for expert support in comparing quotes, reviewing coverage, and ensuring your business is fully insured and compliant.
