Transeuropa
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Business Insurance
4 policies in this group

Business Insurance

Cover built around your operations, premises, fleet, cash flow and professional risk. We take the time to understand how your business actually runs, then place each policy with insurers who know your sector.

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All 4 policies in this group

01 / 04

Public & Employer's Liability Insurance

Protection against claims from members of the public, clients, or employees injured because of your business activities.

What's Covered

  • Public liability for injury or property damage claims from third parties
  • Employer's liability for claims brought by employees (a legal requirement in most jurisdictions once you employ staff)
  • Legal defence costs alongside any settlement
  • Cover extending to your premises, activities, and products

Who This Is For

Any business with employees, premises the public visits, or activities that carry a risk of injury or property damage to others.

Good to Know

Employer's liability cover is typically a statutory minimum, not optional. We make sure your limit actually matches your headcount and activity.

Usually Not Covered

  • Deliberate acts causing injury or damage
  • Contractual liabilities assumed beyond your standard legal liability
  • Uninsured subcontractors working without their own required cover
02 / 04

Commercial Property Insurance

Buildings, stock, and equipment cover for offices, retail units, and warehouses, including business interruption.

What's Covered

  • Buildings cover for owned or leased commercial premises
  • Stock, equipment, and fixtures & fittings
  • Business interruption cover for lost income after an insured event
  • Alternative premises costs while repairs are carried out
  • Options for multiple sites under one consolidated policy

Who This Is For

Businesses that own or lease premises, hold stock or equipment on-site, and would be materially affected by a fire, flood, or similar disruption.

Good to Know

Business interruption is the cover most often missed. It's what keeps the lights on while a property claim is being settled.

Usually Not Covered

  • Damage resulting from poor maintenance or known disrepair
  • Unoccupied premises beyond the policy's stated limit
  • Stock or equipment not declared at the sums insured stage
03 / 04

Fleet & Goods in Transit Insurance

Cover for company vehicles of any size, plus the goods they carry, under a single consolidated policy.

What's Covered

  • Comprehensive or third-party cover across your whole vehicle fleet
  • Goods in transit cover for stock or equipment being transported
  • Named or any-qualified-driver policy structures
  • Breakdown and replacement vehicle options
  • No-claims discount protection at fleet level

Who This Is For

Businesses running more than one vehicle, or moving goods as part of their operations, who want fleet-wide cover instead of separate policies per vehicle.

Good to Know

Consolidating a fleet onto one policy usually simplifies renewals considerably and often improves pricing versus insuring vehicles individually. High-value loads, electronics, pharmaceuticals, luxury goods, usually need dedicated high-value cargo cover on top.

Usually Not Covered

  • Vehicles used outside their declared business use
  • Drivers not named or meeting the policy's minimum experience requirements
  • Goods carried beyond the declared value limit
04 / 04

Professional Indemnity Insurance

Cover against claims of negligence, errors, or poor advice for consultants, contractors, and professional practices.

What's Covered

  • Defence costs and settlements for claims of negligent advice or work
  • Cover for errors, omissions, and breach of professional duty
  • Run-off cover options if you stop trading
  • Retroactive cover for work carried out before the policy started

Who This Is For

Consultants, contractors, and professional practices whose advice or work product could cause a client financial loss if something goes wrong.

Good to Know

Many client contracts and professional bodies set a minimum indemnity limit. We check yours matches what you're contractually required to hold.

Usually Not Covered

  • Claims arising from dishonest or fraudulent acts
  • Work carried out before the policy's retroactive date
  • Liquidated damages agreed contractually beyond a standard legal liability

Documents You'll Need

Company registration details, latest financial statements, and a summary of your operations, premises, and fleet.

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For risk that crosses borders or doesn't fit a standard policy: cargo at sea, high-value cargo that outgrows standard limits, programmes spanning several countries, high-value assets and one-off exposures that need a broker to build the cover around them.

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Credit & Financial Risk Insurance

Insurance for the money side of business: customers who don't pay, governments that change the rules, fraud, director liability and deals that go wrong, plus insurance-backed bonds that keep your bank lines free.

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Trade Finance & Guarantees

Bank instruments and guarantees that help deals close: letters of credit, bonds, proof of funds and import finance, arranged through our banking partners and explained step by step.

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Not Sure Which One You Need?

Tell us about your situation and a broker will point you to the right cover, or combine several into one programme.