We're proud to specialise in working with small businesses across the spectrum - from trades to health professionals, professional services and everyone in between. Whether you're just starting out as a Sole Trader, expanding your existing business, or acquiring a new one, we work alongside you to find a customised solution. Our insurance packages are specifically designed to get you back on track when things don't go to plan, giving you the peace of mind to focus on what you do best.

We take a holistic approach to insurance because we understand that no two businesses are alike. To ensure you have a fit-for-purpose policy, we take a deep dive into what you do, how you work, and the specific risks you face - whether they stem from your industry, location, or operation methods. This thorough understanding allows us to source solutions that truly suit your needs and ensure you're correctly insured without gaps in coverage or paying for protection you don't need.

Your insurance premiums are influenced by several key factors. Market conditions play a significant role, as do your insurance history and claims record. The inherent risks of your industry and specific business operations are carefully assessed, along with the potential value should an insurable event occur. We also work with a number of small business organisations to leverage group buying power, potentially offering their members better rates than they might secure on their own.

Your policy will be automatically reviewed every year when it comes up for renewal. However, significant changes in your business should trigger an immediate review - don't wait for renewal time. If you're changing your business structure, adding new services, modifying product classifications, or going through an acquisition, it's definitely time to have a chat. These changes can significantly affect your risk profile and insurance needs.

To understand your business thoroughly and recommend the most appropriate insurance, we need details about your income, operations, and business model. We know it can feel time-consuming to gather all this information, but because we take a holistic approach to assessing your business risks, having complete information means we can streamline the process in the future and find suitable coverage that perfectly matches what you do. This upfront investment of time protects you better in the long run.

Absolutely! We offer a complete end-to-end service because we understand how stressful it can be when something goes wrong. Our team of experts is here for you every step of the way. We'll work with you to gather and curate all the necessary information, then manage the entire claims process on your behalf. You can focus on keeping your business running while we handle the paperwork and negotiations with the insurer.

As an independent insurance broker, we have access to thousands of insurance products from different insurers. We do all the legwork to source options specifically for you that balance comprehensive coverage, competitive cost, and the quality of the insurer. We pay particular attention to each insurer's reputation for claim processing speed and fairness - because the true value of insurance is revealed when you need to make a claim. Our comparisons give you clear choices without the hassle of contacting multiple providers yourself.

We understand that business is dynamic and things change - sometimes unexpectedly. The best approach is to call our office for a chat as soon as you become aware of any significant changes. This allows us to understand the shift in circumstances and find a solution that will continue to keep you properly covered. Making adjustments mid-policy is often straightforward, and it's always better to update your coverage proactively than to discover you're underinsured when making a claim.

If you’re unable to work due to injury or illness, there’s no one else generating income. Unlike employees, sole traders aren’t covered by workers compensation in the same way, which means the financial impact falls directly on you.

Personal accident insurance can help replace a portion of your income while you recover, supporting your day-to-day living costs and business expenses.

The key is understanding what would happen financially if you couldn’t work — and whether your current setup would support you.

No, not if you’re a sole trader.

Workers compensation is designed to cover employees, not business owners. If you’re working for yourself and get injured, you generally won’t be covered.

Personal accident insurance is designed to fill that gap by providing income support while you’re unable to work.

What matters most is aligning the level of cover with your income and financial commitments — so if something happens, you’re not relying on savings or debt.

Most sole traders would need to rely on savings or debt.

If your income stops, your expenses don’t — mortgage or rent, bills, and business costs continue. Without cover in place, the financial pressure can build quickly.

Personal accident insurance can provide a regular benefit while you recover, helping to cover those ongoing costs.

The important step is understanding your monthly commitments and how long you could realistically manage without income.

Because risk doesn’t follow a timeline.

Nothing going wrong in the past doesn’t reduce the chance of something happening in the future. Illness, injury, or unexpected events can still interrupt your ability to work, regardless of how long things have been running smoothly.

Operating without cover means relying on good luck rather than a structured plan.

A simple review can help you understand whether you’re already in a good position, or if there are gaps worth addressing.

It depends on your situation, but it’s often more affordable than expected.

Pricing is influenced by your occupation, income, coverage level, and whether you’re combining it with other types of cover like income protection.

For many sole traders, the annual cost is significantly less than the financial impact of even a short period without income.

The starting point is understanding what level of cover would actually make a meaningful difference if something went wrong.

It helps cover the costs of responding to a cyber incident.

This can include investigation, data recovery, business interruption, and costs associated with managing a data breach.

The exact coverage varies, so it’s important to understand what’s included in a policy.

Yes, small businesses are commonly targeted.

They often have fewer security measures but still hold valuable data, making them an easier entry point for cybercriminals.

If you store customer information or process payments digitally, you have exposure worth understanding.

It can help cover the cost of responding to a breach, not replace compliance.

If a data breach occurs, policies may cover costs like investigations, notifications, and specialist support.

It’s important to understand your obligations separately, as insurance supports the response rather than replacing those requirements.

You need to check your policy, it’s often limited or excluded.

Some policies include small cyber extensions, but they may not cover major incidents like ransomware or fraud.

Reviewing your policy helps confirm what’s actually included.

For many businesses, yes.

Costs have become more accessible in recent years, and for many businesses, the premium is relatively small compared to the potential impact of an incident.

The key is understanding your exposure and whether the cost aligns with the risk.

It provides financial support if you’re unable to work due to injury.

Depending on the policy, it can include weekly or monthly income replacement, lump sum payments for serious injuries, and hospital-related benefits.

For people whose income depends on being able to work, it helps maintain financial stability during recovery.

Personal accident covers injuries, income protection can cover both injury and illness.

Personal accident is typically simpler and more limited in scope. Income protection is broader but usually involves more detailed underwriting and higher cost.

The right option depends on your situation, budget, and the level of cover you need.

Yes, benefits don’t start immediately.

Most policies include a waiting period (often 14–90 days) before payments begin. Longer waiting periods usually result in lower premiums.

The key is choosing a waiting period that aligns with how long you could manage without income.

They may affect your cover.

Some conditions may be excluded or impact the terms offered. This is part of how insurers assess risk.

Being clear and accurate during the application process is important to avoid issues at claim time.

Yes, and it’s worth doing if things have changed.

If your income, work, or personal circumstances have changed, your current cover may no longer reflect your needs.

A review helps ensure your policy still aligns with your situation.

 A structured look at your business, your risks, and your current cover. This includes reviewing what you have in place, identifying what’s covered or excluded, and assessing whether it aligns with how your business operates today. The goal is clarity, so you understand your position and can make informed decisions.

At least annually, and whenever something changes. Changes like hiring staff, increasing revenue, adding services, or moving premises can all affect your risk profile. Reviewing at these points helps ensure your cover stays aligned with your business.

Because a review looks at your overall exposure, not just one policy. An insurer provides the product you’ve chosen. A review looks at whether that product, and any others, actually match your risks. Sometimes it confirms everything is in place. Other times it highlights areas worth addressing.

You’re supported through the process. This includes helping you understand what information is required, what to expect, and how to navigate the claim with your insurer. While outcomes depend on policy terms, having guidance through the process can make it clearer and more manageable.

Reach out to arrange a review. From there, we’ll look at your situation, your current cover (if any), and whether it aligns with your business. The focus is on giving you a clear understanding of where you stand, so you can decide what to do next.