Business Insurance Specialists
Our team has specialised in business insurance for over 35 years. From supporting small business insurance needs through to complex, large business commercial insurance cover, we understand the diverse and evolving risks faced by businesses.
Our dedicated commercial team have experience across a multitude of sectors and business sizes, enabling us to provide tailored insurance advice and arrange policies that help support the resilience, continuity and long-term growth of your business.
Protecting industry with tailored business insurance
Tailored cover
No two businesses are the same. From the sector in which they operate and workforce structure, to daily operations and growth ambitions, your business insurance needs to reflect how your organisation operates. Our dedicated commercial insurance team will take the time to understand your business before presenting you with tailored options of cover to suit.
In-house claims support
Benefit from our dedicated claims management service, delivered by our experienced in-house team of claims advisors. When you need support most, we manage discussions on your behalf and provide guidance throughout the claims process. Our team can liaise directly with third parties, loss adjusters and insurers, allowing you to stay focused on getting your business back on track.
Risk management
Our service goes beyond placing your business insurance; with access to expert risk management services, Brabners Protect, who can advise on what you should be considering to reduce risks . Where appropriate, we can provide claims analysis and reporting to identify trends, inform additional risk management measures and ultimately, help you strengthen your business’s long-term resilience.
Comprehensive cover options
While many commercial insurance needs can be met through a package policy, we also offer access to a broad range of additional specialist covers, including cyber insurance, management liability and loss recovery insurance. As experienced business insurance brokers, our role is to help you understand your options, enabling you to make informed decisions about your business’s insurance protection.
Making your business insurance, our business
Even with the best intentions and strong planning in place, unexpected problems and incidents can disrupt everyday operations. Business insurance is designed to help you recover from eventualities you cannot always predict, whether they arise due to a claim being made against the business, for example if an employee suffers an accident at work or a customer is dissatisfied with a service or product, or a material incident, such as a fire at your premises or damage to equipment which disrupts operations.
Our experienced Commercial Insurance Team brings decades of expertise across small business insurance, SME insurance, and larger business insurance programmes. When you work with McClarrons, you will benefit from a dedicated contact who develops an ongoing understanding of your business. This personal approach makes arranging and reviewing your commercial insurance simpler and more efficient as your needs evolve.
By taking the time to understand how your business operates, we can identify additional risks you may not yet be aware of and help ensure your business insurance for small businesses or larger enterprises is both appropriate and effective. With so many commercial insurance policies available, our role as experienced business insurance brokers is to assess the covers available and present you with clear, relevant options and explain these to you.
Business Insurance for Small Businesses
Running a small business comes with challenges, from managing day-to-day operations to protecting against unexpected risks. Business insurance for small businesses is designed to provide essential protection, helping you safeguard your people, premises, assets and livelihood.
Our team has experience arranging small business insurance across a wide range of sectors, including professional services, retail, trades, hospitality, protecting growing SMEs. We understand that smaller businesses often require flexible, cost-effective cover that reflects how they operate, without unnecessary complexity.
As experienced business insurance brokers, we take the time to understand your business, the risks you face, and your future plans. From employers’ liability and public liability to property, business interruption, and cyber cover, we help ensure your small business insurance solutions are tailored to your needs, supporting your resilience, continuity and long-term success.
Ready to protect your business?
Business Interruption Insurance
Business Interruption Insurance is a vital part of any robust commercial insurance. When an insured event forces your business to stop or reduce trading, the physical damage may be only part of the challenge. The resulting loss of income, increased costs, and interruption to operations can have a significant financial impact. Business Interruption Insurance is designed to protect your revenue and support recovery by compensating for lost income and helping to cover additional costs while your business works towards returning to normal trading levels.
At McClarrons, we aim to go beyond just arranging your business insurance; we strive to be a trusted partner in helping your business manage and reduce risk. We create practical resources, guidance, and insights to help you better prepare for the financial impact of disruption.
Selecting the correct sums insured, appropriate indemnity period and level of cover is essential to ensuring your insurance responds effectively when it matters most. To support this, we have created clear guidance to help you; our blog, What Is Business Interruption Insurance?, alongside additional resources on Loss Recovery Insurance for Business Interruption, helping you to make informed decisions about your cover.
Cyber Insurance
Cyber risk is not limited to large organisations. Businesses of all sizes are increasingly exposed to cyber threats, from ransomware attacks and phishing emails to data breaches and system outages. At McClarrons, we encourage businesses to consider cyber insurance as a core part of a robust business insurance programme, helping you better understand and manage the risks associated with cybercrime.
Cyber Insurance is designed to support your business following a cyber incident by providing access to specialist response services and financial protection. This can include cover for data and system recovery, business interruption, regulatory and legal costs, and support with reputational management. We share guidance on what to consider when arranging cover, including policy structure and limits, in our article on cyber insurance key considerations and our guide to considering cyber insurance.
Selecting the right cyber cover requires more than simply adding a policy to your insurance programme. Understanding how your business uses technology, the type of data you hold, and your reliance on digital systems, is essential. Real-world examples highlight just how varied cyber incidents can be: from a parts dealer ransomware attack, to a cyber attack affecting a care provider, the impact of a tax return cyber incident, and the growing risk of phishing attacks targeting businesses.
Specialist advice, personally delivered
It is our people who define McClarrons, both today and throughout our more than thirty-five years of trading. Over that time, we have built strong, long-standing relationships with leading insurers, giving us access to a wide range of business insurance cover that can be carefully considered against your specific requirements.
At McClarrons, our support extends beyond arranging insurance. Our team of experienced business insurance brokers work with organisations across all sectors and sizes, from SMEs to larger commercial enterprises. This breadth of experience gives us a deep understanding of the realities of running a business and the practical measures required to protect operations, employees and assets. It also helps enable us to provide clear, accurate and specialist advice tailored to your risks and priorities. We aim to be a trusted partner to businesses by sharing insight, guidance, and resources to help you manage risk more effectively.
Business Insurance Claims Support
Our qualified and dedicated in-house Claims Team is a cornerstone of our service. Should the unexpected occur, we can work with you to manage any claims from initial notification through to final settlement. Negotiating with third parties, insurers and loss adjusters to progress your claim, providing you with updates throughout, is one of the key benefits of working with McClarrons. Having a team of claims professionals working with you, with your business’s best interests at the fore, can be invaluable.
Our Claims Team will work alongside your dedicated Client Executive so that you have a team that understands your business and represents your interests, which can make a significant difference at a challenging time, helping to minimise disruption and support your business in returning to normal as quickly as possible. The team can also help to identify risk issues with a particular process or area of the business, enabling you to take insightful action and for us to look at how we arrange your insurance moving forward.
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