Commercial insurance for businesses across the UK  ·  Expert brokers since 1990  ·  0208 909 2899
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Home› Business Insurance

Your business.
Properly protected.

We work across hundreds of different industries — from sole traders to multi-site operations. Whatever your business does, we find the cover that fits your actual risks, not a generic policy that almost works.

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Hundreds of industries covered A-rated insurers Same-day cover Dedicated account handler

Get a business insurance quote

Tell us about your business — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).

No call centres · Mon–Fri 9:00–18:00

Our Insurers

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
Who We Work With

Hundreds of industries.
One specialist broker.

We understand that a dental practice has different risks to a haulage firm. That's why we tailor every policy around your sector — not a standard template.

🦷

Dental & Medical

Professional indemnity, practice cover and regulatory liability
🏪

Retail & Hospitality

Shop, restaurant, café and hospitality sector cover
⛽

Petrol & Forecourt

Specialist forecourt cover most brokers can't place
🏭

Manufacturing & Wholesale

Product liability, stock, machinery and business interruption
💼

Professional Services

Consultants, accountants, solicitors and advisers
🚛

Transport & Logistics

Fleet, goods in transit and haulage liability
🖥️

Technology & IT

Cyber liability, professional indemnity and data breach cover
🏗️

Construction & Trades

Contractors combined, public liability and tool cover
Our Products

Every type of business
cover, in one place

We place the full range of commercial insurance — from compulsory covers to specialist policies most brokers can't access.

🏢

Commercial Combined

A single policy covering buildings, contents, business interruption, liability and more — tailored to your specific business operations.

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👥

Public Liability

Covers your legal liability if a third party is injured or their property is damaged as a result of your business activities.

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⚠️

Employers Liability

Legal Requirement

Compulsory if you have any employees, volunteers or apprentices. Covers compensation costs for work-related injury or illness.

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📋

Professional Indemnity

Protects professionals who give advice or provide services. Covers legal costs and compensation if a client claims your work caused them a financial loss.

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🔒

Cyber Insurance

Covers the costs of a cyber attack or data breach — including IT forensics, legal costs, regulatory fines and business interruption losses.

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🎯

Management Liability

Directors and Officers (D&O), employment practices liability and corporate liability — protecting the people who run your business.

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🏥

Office & Surgery Insurance

Purpose-built for offices and medical/dental surgeries. Buildings, contents, business interruption and professional liability in one policy.

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🛡️

Business Interruption

Covers lost revenue and ongoing expenses if your business can't operate following an insured event such as fire, flood or forced closure.

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📦

Stock & Contents

Protects your business assets, equipment, stock and contents against theft, fire, flood and accidental damage.

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Standard Cover

What a well-structured
policy includes

Most businesses are underinsured because their policy was never properly reviewed. We build policies from the ground up — ensuring nothing critical is missing.

✓

Buildings & Contents

Physical assets, stock, equipment and the property your business operates from.

✓

Public & Employers Liability

Your legal obligations to employees, customers and third parties.

✓

Business Interruption

Revenue protection if you're unable to trade following an insured event.

✓

Professional Indemnity

For any business that gives advice or provides professional services.

✓

Cyber & Data Liability

Increasingly essential — covers data breaches, ransomware and regulatory fines.

✓

Legal Expenses

Covers the cost of commercial disputes, tax investigations and employment tribunals.

Common Gaps

What most businesses
get wrong

These are the gaps we find most often when reviewing existing policies — and why a review from a specialist broker matters.

✗

Underinsured buildings & stock

Rebuild costs and stock values often haven't been updated in years. At claim time, this means a reduced payout.

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No cyber cover

Most older commercial policies have no cyber protection. One ransomware attack without cover can close a business.

✗

Business interruption too low

Cover is often set to a figure that doesn't reflect actual gross profit — leaving a significant shortfall after a major loss.

✗

Personal accident not in place

If a key person in the business is injured and can't work, there's often no income protection policy to fall back on.

✗

Auto-renewal without review

Renewing without a broker review means cover drifts out of step with the business — especially after growth or change.

Why Forum Insurance

Why businesses trust us
year after year

01

We know your sector

We work across hundreds of industries. That breadth of experience means we spot the risks specific to your type of business that a generalist broker would miss entirely.

02

A-rated insurer panel

We place the majority of our clients' cover with A-rated or above insurers. When you make a claim, the insurer behind your policy has the financial strength to pay it.

03

One point of contact

A dedicated account handler who knows your business, reviews your cover at renewal, and is there when you need them — not a different person every time you call.

04

Free insurance review

Not sure if your current cover is right? We'll review your existing policy at no charge and tell you honestly whether it's adequate — with no obligation to switch.

Claims Support

A claim is when your
broker earns their fee.

We're not just here to sell you a policy and disappear. When something goes wrong, we manage the claim — so you can focus on running your business.

We work alongside you through every stage — challenging underpayments, chasing loss adjusters, and making sure the insurer honours the policy you paid for.

Talk to us about a claim →
STEP 01

Contact your dedicated broker

One call. No hold music. Your broker knows your policy and starts advising you straight away.

STEP 02

We notify and instruct the insurer

We handle all insurer communication and set the claim out clearly from day one to avoid delays.

STEP 03

We manage the process

Loss adjusters, surveyors, investigators — we coordinate everything on your behalf.

STEP 04

We secure a fair settlement

If an offer falls short, we challenge it. We know policy wordings inside out and use that knowledge for you.

Common Questions

Business insurance FAQs

If you have employees (including part-time, temporary, or volunteer workers), Employers Liability insurance is a legal requirement — minimum £5 million cover. If you use vehicles for business purposes, motor insurance is also compulsory. Beyond that, legal requirements vary by industry — for example, solicitors must hold professional indemnity insurance. We'll advise you on what you're required to have and what you should have.
Public liability covers physical injury or property damage to third parties caused by your business activities. Professional indemnity covers financial loss a client suffers as a result of your professional advice or services. Many businesses need both — for example, a consultant who visits client premises needs public liability, and also needs professional indemnity for the advice they give.
It depends on your business type, turnover, number of employees, premises, and the level of cover required. A small sole-trader operation might pay from a few hundred pounds a year. A multi-site business with significant turnover and complex risks will pay considerably more. The best way to get an accurate figure is to talk to us — we'll get you the right cover at the best available price.
Yes. Home-based businesses are not covered by standard home insurance policies. If you run a business from your home — even part-time — you need a commercial policy that covers your business activities, equipment, stock, and liability. We can arrange home business insurance that sits alongside your home policy.
If your business stores customer data, uses email, or relies on computer systems — which is almost every business — you should seriously consider cyber insurance. The average cost of a data breach for a UK SME is over £8,000, and that doesn't include regulatory fines or reputational damage. Cyber insurance is one of the most important and most underused covers available.

Rather talk it through first?

Book a free 30-minute call with our Commercial Specialist — no prep needed, no obligation.

Book a Call with a Commercial Specialist Call 0208 909 2899
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