Commercial Insurance
Complete insurance protection for your business. From property and liability to specialized coverage, we protect every aspect of your commercial operations.
Running a business comes with numerous risks. Your physical premises, equipment, inventory, employees, customers, and legal liabilities all need protection. Commercial insurance provides the comprehensive coverage your business needs to operate confidently and recover quickly if disaster strikes.
At Aserto, we provide holistic commercial insurance solutions tailored to your specific business type, size, and risk profile. Whether you operate a small office, manage a large retail chain, run a manufacturing facility, or provide professional services, we understand the unique coverage needs of your business and ensure you're protected against the risks that matter most.
Core Commercial Insurance Coverages
Property Coverage
- Buildings and structures
- Business equipment and machinery
- Stock and inventory
- Money and personal effects
Liability Protection
- Public liability for customer injuries
- Employers' liability for employee injuries
- Professional indemnity (if applicable)
- Legal liability and defense costs
Business Interruption
- Loss of revenue if premises damaged
- Continued operating expenses coverage
- Supplier/supplier customer losses
Specialist Coverages
- Cyber insurance for data protection
- Directors and officers insurance
- Management liability
- Legal expenses insurance
Key Considerations for Commercial Insurance
Business Type and Industry
Different industries face different risks. Manufacturing has different needs than retail; professional services differ from hospitality. Your insurance must reflect the specific risks of your industry.
Business Size and Turnover
Your business size affects your insurance needs and costs. Startups have different requirements than established businesses. We ensure your coverage scales with your business growth.
Employee and Customer Exposure
The number of employees and customers you interact with affects your liability exposure. Public-facing businesses need higher liability limits than back-office operations.
Compliance Requirements
Many industries have mandatory insurance requirements. Employers' liability is required for businesses with employees. We ensure your coverage meets all legal requirements.
Policy Limits and Exclusions
Typical Coverage Limits
- • Buildings: Up to actual replacement cost
- • Contents: Typically 20–30% of building value
- • Public Liability: £1–10 million per claim
- • Employers' Liability: Minimum £5–10 million (UK requirement)
Common Exclusions
- • Wear and tear or gradual damage
- • Failure to maintain premises
- • Intentional or fraudulent acts
- • Claims from non-compliance with regulations
- • Cyber claims (without specific cyber cover)
Why Choose Aserto?
Commercial insurance is complex, and no two businesses are identical. We understand the insurance landscape across different industries and business types, and we provide tailored solutions that protect your business comprehensively.
Independent Brokerage
Not tied to any single insurer. We find the best coverage at the best price for your situation.
Tailored Advice
We take time to understand your unique needs and create customized solutions that protect what matters most.
Expert Claims Support
When you need us most, we're there to guide you through every step of the claims process.
Clarity
Clear communication. We explain what you're covered for and why, no jargon or hidden terms.
Confidence
Know that you're protected by expert insurance brokers who understand your sector.
Control
You're in control. We present options and empower you to make the decisions that suit your business.
With Aserto, you get a broker who truly understands your needs. That's clarity, confidence, and control.
Get Your Commercial Insurance Quote
Protect your business with comprehensive commercial insurance tailored to your needs.
Request a Quote