Protect your business With Confidence

With over 30 years of experience protecting businesses with comprehensive insurance solutions. Your security is our priority.

98%
Client Satisfaction
50+
Coverage Types
30+
years experience

TRUSTED COVER, CLEAR ADVICE

Tradesmen Insurance

As a tradesperson, you work hard to build, fix and maintain things — and every day brings a mix of opportunity and risk.

  • We assess the insurance needs relevant to your business
  • We recommend suitable limits & cover types
  • We source competitive terms from reputable insurers
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Public and Products Insurance

Protecting your business against liability risks is a fundamental part of responsible risk management.

  • Legal defence costs are covered
  • Client and contractual requirements are satisfied
  • You can trade with confidence across sectors
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Employers Liability

Employers’ Liability insurance is a fundamental part of protecting both your business and the people who work for you.

  • Legal defence costs are covered
  • Compensation awards can be met
  • Your business meets its statutory obligations
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Property Owners Insurance

Property represents one of the most significant assets for many businesses and investors.

  • Physical damage or loss is addressed in line with policy cover
  • Documentation supports lender, tenant or contractual requirements
  • Risk is managed in a way consistent with your ownership and investment profile
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Professional Indemnity Insurance

Professional advice, design, or services carry inherent risk — even where work is carried out competently and in good faith.

  • Legal defence costs are met where insured
  • Contractual and regulatory requirements are satisfied
  • The business can continue trading with confidence
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Contractors All Risks

Construction projects involve a wide range of risks — from damage to materials and equipment on site to third-party injury and property damage.

  • We review your contract requirements and risk exposures
  • We advise on appropriate sums insured and policy limits
  • We discuss relevant extensions and optional covers
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Unoccupied Property

Unoccupied Property Insurance is designed to provide tailored protection for buildings that are temporarily or long-term vacant, helping ensure that u

  • Protect against vandalism
  • Protect against flood damage
  • Protect against subsidence
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Business Insurance

Every business faces risks — from unexpected damage to property, legal claims by customers or employees, to loss of income after unforeseen events.

  • Legal and regulatory compliance
  • Protection against unexpected events
  • Peace of mind to focus on running the business
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Motor Fleet Insurance

At Commercial Insurance Solutions, we help businesses arrange Motor Fleet Insurance to manage the risks associated with operating multiple vehicles.

  • Structuring cover terms and limits to reflect risk exposures
  • Coordinating certificates of motor insurance for compliance or contract purposes
  • Managing renewals and mid-term adjustments
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Standalone Tools in Transit Insurance

Standalone Tools in Transit Insurance provides targeted protection for tools while being transported in a vehicle or moved between jobs

  • We can review the value and type of tools you need covered
  • Explain policy requirements
  • Advise on appropriate sum insured levels
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Our working process

A simple, structured approach that keeps clear

1

Understand

We learn what you do, your risks, and what matters most.

2

Tailor

We shape cover options and explain trade-offs in plain English.

3

Support

Renewals, mid-term changes, and claims — handled properly.

Why clients choose us

  • Straight-talking advice, no waffle
  • Access to trusted UK insurers
  • Responsive service and claims help
  • FCA regulated business
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FAQs

What types of insurance do you offer?

We arrange a wide range of commercial insurance policies for UK businesses, from small independent firms to larger corporate organisations.

Common covers we arrange include:

  • Employers’ Liability Insurance
  • Public & Products Liability Insurance
  • Professional Indemnity Insurance
  • Commercial Property Insurance
  • Business Interruption Insurance
  • Commercial Combined Insurance
  • Commercial Motor Fleet Insurance
  • Contractors & Trades Insurance
  • Directors’ & Officers’ Liability (D&O)
  • Cyber Insurance
  • Engineering & Machinery Breakdown
  • Goods in Transit / Marine Cargo
  • Management Liability and Legal Expenses

If you’re unsure what cover you need, we’ll guide you through it and recommend a solution based on your business activities and risk profile.

Are you regulated and licensed?

Yes. Commercial Insurance Solutions is a trading name of KLI Group Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA).

  • FCA Registered Number: 1022739
  • Company Registration Number: 10474817

This means we must meet strict regulatory standards designed to protect clients and ensure insurance is arranged fairly, transparently, and in your best interests.

Why do I need business insurance?

Business insurance helps protect your company against unexpected events that could cause financial loss, legal claims, or operational disruption.

Even well-run businesses can face situations such as:

  • A member of the public being injured at your premises
  • An employee accident at work
  • A customer claiming your product caused damage
  • A professional mistake leading to a financial loss
  • Fire, flood, theft, or major property damage
  • A claim that forces your business to pause trading

In many cases, certain covers (such as Employers’ Liability) are a legal requirement. Beyond compliance, the right insurance gives you peace of mind and helps protect your reputation, contracts, and long-term stability.

What is Professional Indemnity insurance and do I need it?

Professional Indemnity Insurance (PI) protects your business if a client claims you have caused them financial loss due to professional advice, services, or work you have delivered.

It can cover allegations such as:

  • Negligence
  • Errors or omissions
  • Breach of professional duty
  • Misrepresentation
  • Loss of documents or data
  • Defamation (depending on the policy wording)

You may need Professional Indemnity if you provide advice, design, consultancy, or professional services — including (but not limited to) IT, construction design, finance, marketing, recruitment, and many other sectors.

In some industries it’s also required by contracts, regulators, or professional bodies. If you’re unsure, we can quickly confirm whether PI is recommended for your business.

How do I request a quote or talk to someone?

Getting a quote is simple.

You can speak directly to our team by calling 01226 491001, and we’ll guide you through the process.

To provide a quotation, we’ll usually ask for:

  • A brief overview of your business activities
  • Turnover / wage roll (depending on the cover required)
  • Claims history
  • Details of any current insurance arrangements
  • Key risk information (such as premises, security, contracts, etc.)

We’ll then approach suitable insurers, negotiate terms, and present options clearly so you can make an informed decision.