Business Insurance

Are you a busy business owner, who finds buying insurance stressful and complicated?

You can outsource the day-to-day management of your insurance program to us, and we will take away the stress of finding the right insurance cover to protect your business, while also managing the claims process, so you get value for money and excellent claims outcomes.

We listen and ask the right questions about your attitude to risk, what your worries and concerns are in relation to protecting your business and ways that we can add value, always with a personal touch.

Using our risk management experience, we can design specific solutions that meet your needs and give you the advice you need based on your circumstances, usually this is a blend of risk management and insurance protection.

We focus on claims, your experience of claims, and the support you need. We will take control of outstanding claims and our claims management capability means we will analyse historical claims, identify patterns, and recommend action to reduce future impact, resulting in greater control over premium costs. We will also discuss and agree claim protocols to improve speed and efficiency with future claims.

Read our latest article on D&O (Management Liability) Insurance


Property insurance generally refers to the buildings included in your business assets and includes the structure as well as permanent fixtures and the surrounding grounds (driveways, patios, paths and outbuildings)

Building Valuation

It is important that your insurance reflects the correct cost of rebuilding your buildings, to avoid over or under insurance.

Business Interruption

Business Interruption insurance is designed to help you get back up and running if there is an event, such as fire or flood, which interrupts your business trading, resulting in a loss of income.

Public and Products Liability

Public liability insurance protects against compensation claims and legal fees for injury or damage to third parties.
Product Liability protects against the compensation claims if a product or component part you supply causes injury or damage to a third party.

Employers’ Liability

Employers’ Liability insurance is a legal requirement if you employ staff and provides cover if a member of staff is injured or suffers an illness as a result of your business activities.

Motor Fleet

Motor Fleet insurance allows a business to insure multiple and mixed types of vehicles on one easy to administer policy.

Management Liability

All directors, officers and managers in a company are in a position of responsibility. Managers, directors, and supervisors can face civil claims and criminal prosecutions personally. Following recent changes in company law in the UK, even in a company with limited liability status, personal liability is unlimited. Directors, managers and officers are under increasing scrutiny, and allegations of wrongful acts are becoming commonplace. [click here for more detail]

Cyber Insurance

Cyber insurance covers the financial losses relating to damage to, or loss of information from, IT systems and networks. Policies generally include assistance with and management of the incident itself, which can be essential when faced with reputational damage or regulatory enforcement.

Professional Indemnity

Professional Indemnity insurance is important if your business gives advice to other people or businesses, this type of cover is designed to protect you if you provide them with incorrect advice which results in them suffering a financial loss which could result in them taking legal action against you.


We would love to talk with you about your insurance arrangements, please give us a call.


Our reputation for integrity and honesty is at the heart of all we do, therefore we are highly regarded by insurers.


We aim to build a personal relationship with every client we work with, which translates to great service.


We use our knowledge of insurance and risk transfer to get you the right cover at the right cost.

Useful Articles

Our Guide to Credit Insurance - the insurance you need to protect your business against customer non-payment

Atom Insurance Brokers,
Blackdown House,
Blackbrook Park Avenue

Registered in England No. 4499126 | Atom Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority.

The Financial Ombudsman Service (FOC) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at