Business Insurance
Comprehensive Protection for Your Business.
Business insurance protects your company’s assets, employees, and operations against risks that could disrupt your activities or lead to financial loss.
Benefits
What Is Business Insurance?
Business insurance is a suite of protection policies designed to safeguard your company against financial losses arising from accidents, legal claims, property damage, business interruption, or employee-related incidents.
It isn’t a single product — but a tailored package that may include:
Public Liability Insurance: For claims related to injury or damage to third parties
Employers’ Liability Insurance: A legal requirement if you have staff
Professional Indemnity Insurance: Protects against claims of professional negligence
Business Contents & Equipment Cover: Protects your physical assets
Business Interruption Cover: Compensates for lost income during downtime
Cyber Insurance: Protects against data breaches or digital threats
Each business is unique — so the right cover depends on your industry, operations, and risk profile.
Why Is It Important?
Running a business involves unpredictability. Even with careful planning, accidents, legal disputes, or unforeseen interruptions can happen. Without adequate insurance, the costs of resolving a claim — or surviving a disruption — could put your entire operation at risk.
Business insurance provides:
Financial protection from lawsuits, property damage, or loss of income
Compliance with legal or contractual requirements
Peace of mind — for you, your team, and your clients
A safety net that keeps your business resilient and operational
Who Needs Business Insurance?
Business insurance is relevant for:
Startups and SMEs
Freelancers and consultants
Limited companies and sole traders
E-commerce businesses
Offices, retail stores, and landlords
Contractors and construction firms
Healthcare, education, creative, or tech sectors
Even if you work from home or have no physical storefront, some insurance — like public liability or professional indemnity — may be required by clients, landlords, or regulators.
How Does the Process Work?
At Matwill Capital, we simplify the business insurance journey:
Business Profiling
We assess your company structure, services, team size, industry risks, and current insurance gaps.Needs Mapping
Based on your operations, we identify mandatory and recommended cover types (e.g., liability, cyber, equipment).Quote Sourcing & Customisation
We gather competitive quotes from specialist UK insurers and tailor the cover to your needs and budget.Policy Setup & Compliance Check
We assist with documentation, ensure legal requirements are met, and align cover with contractual obligations.Ongoing Support
As your business evolves, so should your cover. We provide annual reviews, claims assistance, and mid-term adjustments.
Client Success Story
How One Business Stayed Afloat After a Fire
When our client — a boutique café in Manchester — suffered a major fire due to an electrical fault, their equipment was destroyed and the premises had to shut for 3 months.
Thanks to their business interruption cover, they received income compensation during the closure, and their equipment was replaced within weeks. Without the policy, they would’ve faced insolvency.
“Insurance was something we barely thought about… until it saved our entire business. Matwill helped us understand the cover we needed, and it paid off when we needed it most.”
— Rachel & Jamie, Café Owners
Frequently Asked Questions
Is business insurance legally required?
Not all types — but employers’ liability insurance is mandatory if you have staff. Some industries may also require public or professional liability.
How much does it cost?
It depends on your sector, turnover, location, number of employees, and selected cover. We help balance risk with affordability.
Can I get cover if I’m a freelancer or sole trader?
Absolutely. Many self-employed professionals need professional indemnity or cyber cover to meet client or contract requirements.
Does business insurance cover COVID-19 or future pandemics?
Most policies now include clear terms on pandemic coverage. We ensure you understand exactly what’s included and excluded.
Why Choose Matwill Capital?
Independent access to specialist commercial insurers
Expertise across a range of industries, from tech to trades
Custom-built policy packages for businesses of all sizes
Multilingual support for business owners from diverse backgrounds
FCA-authorised advice & long-term account management
Protect What Matters — Get Insured Today
Focus on Your Business — We’ll Handle the Risk.
Book a consultation with our commercial insurance team to secure your business and stay prepared for what’s ahead.