Commercial And Industrial Insurance

Insurance for Commercial & Industrial Businesses

Helping Local Businesses Since 1990

Knowing what insurance you need can be complicated, that is why our team of experts are here to listen to your individual needs and tailor protection directly for you. Your business is unique and complex, but insuring it does not have to be. Contact us on 0161 763 8222 to find out what we can do for you, or alternatively read through the individual cover options available.

"Top team. Been using B&M for over 15 years!! Always professional and polite. The team have a good knowledge and understanding of my requirements making the process swift and easy. Keep up the good work guys!!"

As a commercial enterprise owner, any machinery, buildings and vehicles you own are important and worth protecting with a comprehensive policy tailored for you. Our team will guide you step-by-step and explain all the options available to you to ensure you have the right level of cover. We have been helping business owners with excellent cover since 1990, protecting against unforeseen consequences.

Employers' Liability Insurance

If you are, for example, running manufacturing processes or operate from a warehouse then it is likely you have employees. It is a legal requirement that you have employers' liability insurance when employing staff, otherwise you could be fined heavily by the Health & Safety Executive if you do not hold a valid policy. The compulsory insurance act 1969 ensures that you have a minimum level of insurance to cover the cost of claims from employees should they fall ill or become injured as a result of working for you.

We can build cover into your policy for employers' liability up to £10 million in order to abide by the law and shield your company against legal claims brought forward by your employees.

"An efficient and professional service. It was a pleasure to be able to get through quickly on the phone without having endless recorded messages and lengthy musical delays. Our requirements were understood immediately and the quotation saved us a great deal of money. We highly recommend B & M and its proprietor Kevan Haughton."

Public Liability Insurance

If you have visitors that you do not employ who are not contractors attending your premises, you should include public liability insurance in your policy. This will cover you against compensation claims made by members of the public should they fall ill or become injured whilst on your premises. You can take out a combined liability policy lowering your premiums and providing cover against compensation claims made from both your employees and the public.

We can provide cover up to £5 million and above for public liability insurance depending on your requirements. This will shield your company against third party claims for injury or property damage.

Working Off-Site

There may be the need to do work "off-site", away from your normal operating premises with the potential risk of being in a busy public area. If any of your business operations will be away from your normal base of operations, we can tailor a commercial combined policy that not only covers your main premises for public liability, but any work you do away.

"We have dealt with B&M Insurance for many years now and would have no hesitation in recommending them. Their service is always professional, prompt and they are a pleasure to deal with."

Additional Cover Options

Depending on your business needs, we can tailor additional cover specific to your requirements and arrange a visit to your premises to fully understand the risks you face.

• Buildings insurance
• Stock / contents
• Business interruption
• Money insurance
• Distribution (goods in transit)
• Plant / tools
• Professional indemnity
• Legal expenses

Protection For Various Trades

We can provide business insurance under a single commercial combined policy for a wide variety of different businesses including (but not limited to):