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What is business insurance?

You put an enormous amount of effort into making your business a success, and if the worst happens we want to make sure it’s protected.  Every business, no matter how big or small, needs to insure itself from a wide range of everyday risks and threats that it faces in the modern world, and to enjoy the peace of mind being insured brings.  

With almost two decades of experience in the UK SME marketplace and though using our vast connections in the UK insurance industry, we’re able to offer a huge array of specialist business insurances that can be tailored to the exact requirements of your business, be it for just a single policy, a combined package, or a full suite of bespoke policies.

Our highly experienced, knowledgeable and friendly in-house staff are able to listen to your requirements, advise you on the most appropriate products and levels of cover, and ensure your business is covered should the worst happen. We’re here to support and help you.

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Business Insurance Policies

Professional Indemnity

Professional Indemnity insurance – often referred to as PI or PII – is a fundamental insurance for those who provide advice as part of their service, covering the legal costs and compensation arising from claims that allege an error or omission in providing those services. It can often be a requirement for certain trades, such as accountants, and with a minimum cover level of £1m. 

Public Liability

Public Liability (PL) Insurance is one of the main insurances taken out by businesses, protecting them from one of the most common pitfalls faced in todays world – that of the legal costs and compensation involved when an allegation or a claim is made by a client or a member of the public that has suffered injury or property damage as a result of an accident on your property.

Employers Liability
Employers Liability (EL) Insurance provides cover for legal representation and compensation arising from claims made against your company in respect of bodily injury or damage to property suffered by employees. It’s a legal requirement for any business that has employees, has cover at a limit of £10m as standard, but can only be bought as an add-on to a Public Liability policy.

Combined Policies

Commercial combined policies include all the key insurances in one. It’s the most common option for businesses, providing complete protection, is tailored to their exact requirements, and allows them to easily administer one policy than having the hassle of multiple separate ones.

Specialist Profession Insurances

Many UK professions have membership bodies that require their members to hold a specific type of insurance. The most common professions requiring this include; Accountants, Architects, Construction Contractors, Estate Agents, Engineers and Surveyors, all of which Roots has the ability to cover.

Commercial Vehicle Insurance

Policies for cars, vans, trucks and more, both individual and as a fleet, cover a far wider range of uses than a personal one – and crucially you’re protected if you travel to and between different locations for work, if you drive employees or colleagues around and if you use it for work.

Trades & Professions We Cover

We can cover 99.9% of UK SME's

  • Accountants

  • Architects
  • Building & Construction

  • Caravan Parks

  • Cleaning Contractors and Support Services

  • Commercial & Residential Property Owners

  • Construction firms & contractors
  • Contract Works

  • Couriers
  • Domiciliary Care Service Providers

  • Electrical Industry

  • Engineers

  • Estate Agents

  • Flooring Industry

  • General Contractors & Tradesmen

  • Heating and Ventilation

  • Hotel and Guest House

  • Landlords
  • Leisure Equipment Hirers

  • Leisure Home

  • Leisure Pursuits

  • Offices

  • Recruitment Agency and Umbrella Companies

  • Restaurant and Public Houses

  • Roofers & Scaffolders

  • Rope Access

  • Security – Alarm Installers

  • Security – Manned Guards and Door Supervisors

  • Shops & Retailers

  • Social Care Workers

  • Sports and Social Club

  • Surveyors
  • Tour Operators and Travel Agents

  • Tree Surgeon, Arboriculture and Horticulture

  • Umbrella Companies
  • Unoccupied Property

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We’re here to help UK SME businesses