Commercial Insurance

Whether it’s low rise or high rise, purpose built or a conversion, every block of flats has its own unique insurance needs. So it’s essential you have the appropriate cover in place. That’s why we don’t try and sell you a ‘one-size-fits-all’ solution, instead we provide cover that’s as individual as your building.

At Higos we understand that care provision is all about meeting individual needs. And we also know you need an insurance solution as unique as your organisation and the people in your care.

At Higos, we know because no two businesses are exactly the same, nor are the risks faced by your employees or the members of the public that visit your site.  That’s why we don’t try and sell you a ‘one size fits all’ solution, instead we provide cover that’s tailored to you.

In our experience, no two buildings are ever exactly the same. So whether you own your premises, manage an office or are the landlord of a portfolio of commercial properties, we can provide you with the tailored buildings and contents protection you need.

There are nearly 315,000 construction firms in the UK. And in our experience, no two are exactly the same. That’s why we never try to sell you a one-size-fits-all solution, instead we provide cover that’s tailored to your individual needs.

Cyber threats come in all shapes and sizes and are evolving all the time. That’s why we offer a personal, bespoke service focused on protecting your business against a wide range of threats to and we can advise you on the best security cover to suit your needs.

At Higos we know that no two farms are the same. So, whether you’re a tenant or owner, arable farmer or a dairy farmer with livestock to protect, or simply wish to make sure your machinery and buildings are properly insured, we can tailor cover to match your exact requirements. We may even save you money by making sure you are not paying for cover you do not need.

We love the fact that the UK food and drinks industry is so diverse. With businesses ranging from multi-national producers to cottage industries. Long established manufacturers to start-ups. That’s why we don’t try and sell you a ‘one size fits all’ solution, instead we provide cover that’s as individual as the food and drink you make and sell.

At Higos we understand the UK ‘Motor Trade’ is made up of tens of thousands of individual businesses. And whether your customers’ cars are on a ramp or a in a showroom, no two businesses are exactly the same.

If you’re a business or professional that’s offering direct services or giving advice, you can face a wide range of risks depending on what you do. That’s why we don’t try and sell you a ‘one size fits all’ solution, instead we provide cover that’s as individual as your business.

In our experience, no two shops or offices are ever identical. So whether you’re the owner of an independent shop, the manager of a chain of High Street stores or the landlord of commercial offices, we can provide the specialist, bespoke insurance service you need.

Over 90% of the UK’s 6 million businesses are classified as small. In our eyes, 100% of them are classed as unique. That’s why our dedicated Business Enterprise team provides a bespoke service to protect everything you’ve worked so hard to achieve.

From conventional cover to specialist risks, our insurance solutions are specifically tailored to your sector’s exact and fast-moving needs. Our highly skilled, knowledgeable team will get to know you, your work and assess your risks before finding a policy that mitigates them.

We know ‘the trade’ is made up of many different professions and you can’t compare trades like-for-like. That’s why we don’t try and squeeze you all into the same box, instead we provide bespoke cover for tradesmen in a wide range of industries including builders, carpenters, contractors, cottage industries, plumbers, painters, electricians, roofers, scaffolders and engineers.

At Higos we know that not all contractors are the same. We also know that even within your own trade you’re dealing with a wide variety of jobs across a broad range of domestic and business customers. That’s why we’ll never try and sell you a ‘one size fits all’ solution, instead we provide cover that’s as individual as you and the services you provide.

Business legal cover when you need it most. Businesses can face challenging problems, our Legal advice and tax helplines are available to help 24 hours a day, 365 days a year.