Commercial Insurance
For established businesses with larger teams, valuable assets or more complex risks, specialist commercial insurance designed around the way your business operates.
Some businesses need more than individual standard policies.
You may have multiple locations, significant property or equipment, demanding contracts, specialist activities or several risks that need to be considered together.
Captivo works alongside Caunce O'Hara Insurance Brokers (COHIB), an established independent commercial insurance broker with more than three decades of experience supporting UK businesses.
Through COHIB, you can access specialist commercial broking support across property, liability, management and specialist risks.
A broad range of commercial insurance products is available, depending on your operations and requirements.
Whether you're reviewing an existing insurance programme or arranging commercial cover for the first time, start with a conversation about your business and current requirements.
For businesses with broader insurance requirements, COHIB can look across the wider insurance programme rather than treating each policy in isolation.
COHIB can review your operations, contracts, assets, people and sector to understand where the main exposures sit.
Policies, limits, excesses and indemnity periods can be considered together rather than one by one.
COHIB can approach a range of insurers and specialist markets to seek suitable terms for your business.
Cover limits, excesses, exclusions, conditions and policy wording can all be considered alongside premium when reviewing available options.
COHIB has an in-house claims team to support clients through the claims process.
A review can be worthwhile when something materially changes in your business, or when renewal gives you an opportunity to test the market.
Moving premises, opening another site or expanding into a new location can change your insurance requirements.
Significant investment in machinery, equipment, vehicles or stock may mean existing sums insured and cover limits need reviewing.
Larger client contracts, new services or entering a different sector can introduce new responsibilities or contractual insurance requirements.
Buying, merging with or restructuring another business can materially change the assets, people and liabilities within your insurance programme.
Trading overseas, employing people internationally or working with overseas customers can introduce additional considerations.
A major claim can be a useful point to review whether your existing programme, limits and approach still reflect your business.
Renewal gives you an opportunity to review your existing insurance, compare available terms and test the market.
A review isn't necessarily about buying more insurance. It's about making sure your existing programme still reflects the business you're running.
Tell us a little about your business and Captivo can connect you with the specialist commercial insurance team at COHIB.
