Small Business Insurance

tailored to your requirements

We offer a number of competitive policies for basic business requirements and contractor-specific risks. As Small Business Insurance packages are tailored to your requirements, please call 01832 734047 for a no obligation quotation.

Professional Indemnity Insurance

Professional Indemnity Insurance covers you in the event that you have or it is alleged that you have caused a third party financial loss due to an error, omission or negligence in your services.

In the event of a claim, the Professional Indemnity Insurance will cover legal costs incurred in defending a claim and cover the damages if you were found liable.

Full details of the policy can be found in the policy wording.

Public and Employers Liability Insurance

The Public Liability Insurance will react if any legal action is brought against you if in the provision of your services you caused physical injury or property damage to a third party. If such claim were to arise, the policy will cover the cost of defence and pay any damages you are found liable for.

Employers Liability Insurance will provide cover in the event that an employee brings a claim against you for personal injury, illness or accidental death suffered they sustained due to their employment. Employers Liability Insurance will cover the costs incurred in defending a claim as well as any damages you were found liable to owe the employee.

Full details of the policy can be found in the policy wording.

Tax Enquiry Insurance

Tax Enquiry Insurance will provide you with cover for representation costs incurred by one of our expert consultants should HMRC carry out an enquiry into your business, including but not limited to an IR35 enquiry. A dedicated consultant will correspond with HMRC throughout, as well as represent you at a tax tribunal should this be required.

Full details of the policy can be found in the policy wording.

Tax Liability Cover (TLC35)

TLC35 is an enhanced Tax Enquiry Insurance policy which not only covers defence costs if HMRC were to open an enquiry into your business, but will also pay out on any liabilities for tax, NICs, interest and any penalties should you be deemed inside of IR35.

Full details of the policy can be found in the policy wording.

Review From: S Redman

Very professional and knowledgeable indeed and happy to help in any way, Keeping you up to date every step of the way I would recommend to anyone.

Review From : TG

Thanks again for your 1st class professionalism and advice on helping me select the right policy for my needs. I will certainly be recommending you and your services to my colleagues in the future!! TG

Review From : Steve Cargill

A few questions asked and my insurance was all sorted over the phone. C&D know our business and their own so there’s no time wasting in this process with daft questions and it can all be sorted very quickly.

Review From : Neil Webster

My life insurance was completed with the minimum of fuss, all questions answered with ease and cover in place within a few hours. A+++++

Award Winning Expert Advice

Speak with an Adviser who will answer any questions you have, and find the best cover for you.

Mon-Fri: 9am - 6pm