Business Insurance is also known as Commercial Combined Insurance.

All the Business Insurance products that Oncover Insurance can arrange are comprehensive and include Liability cover.

We can quote for many Industries, from sole traders to plcs including:

  • Retailers and Shopkeepers
  • Offices
  • Wholesalers
  • Warehouses
  • Cash and Carry
  • Restaurants, Takeaways and Cafes
  • Pubs, Nightclubs & Bars
  • Hotels, Guesthouse and Bed and Breakfast
  • Jewellers
  • Hairdressers
  • Residential Care Homes
  • Gyms
  • Sports Shops
  • Off Licenses
  • Supermarkets
  • Grocers
  • Newsagents
  • Leisure Industry
  • Manufacturers and Processors
  • Social clubs
  • Nurseries and More

If urgent cover is required we aim to have quotes within an hour of your request

The Business Insurance Department is headed by the Managing Director of the company, Andreas Patikis. He has been in the insurance industry for over 10 years and  built the business on the philosophy of providing a  first class personal service.

Through understanding your business needs we will use our close working relationship with our product providers to obtain terms that meet your individual requirements at competitive rates. Our high client retention rates reflect the importance we place on building strong client relationships and our ability to renegotiate terms on your behalf year after year.

Any business could suffer a major loss in any one of the areas mentioned below. Under-insurance will result in a proportionate reduction in an insurance claim, and could threaten the future of the business, or at the very least reduce its ability to trade. Conversely, over-valuation will mean wasted premiums because the liability of an insurance company usually extends only to the cost of reinstatement of the insured asset.
In times of inflation, when property and stock values increase, ensure you still have adequate levels of insurance cover.

Buildings Insurance covers the actual physical property - bricks, doors, roof, windows, drives, patios and the general structure against disasters and accidental damage. Subsidence cover can also be requested to be included.

Improvements cover any improvement you have made to your premises e.g. painting/decorating.

Machinery/Plant/ Fixtures & Fittings covers your physical equipment within your premises.

Stock covers you for your own stock that you are selling, e.g., food, drinks, clothes, electrical equipment.

Goods in Trust covers your customer’s goods that you are holding at your premises, e.g customers’ jewellery if you are a Jeweller, or clothes if you are a Dry Cleaner.

Computers & other electrical covers the electrical equipment, PC’s, Printers, Faxes etc.

All Risk covers items taken away from your premises, e.g Laptops, Video Cameras. 

Business Interruption  covers you from the loss of turnover or trading profits from damage to your property that prevents the normal operation of your business.

Glass, Signs/Canopies covers against breakage, malicious damage etc.

Money  covers the cash inside business hours and in transit and outside business hours in a safe.

Loss of Licence cover for your legal proceedings for e.g. your alcohol licence to be taken away.

Goods in Transit covers your stock if damaged whilst in Transit in a vehicle. 

Public Liability covers you against any member of the public, customers or clients claiming against you whilst visiting your premises e.g. injury, illness etc.

Products Liability covers you for any claims against the product you have manufactured/produced if it has caused harm to someone, or damage to their property that may occur from products you sold or supplied.  

Employers Liability covers you against your employees claiming against you/your Business, e.g. injury, accidents, illnesses, safety etc.

Optional Extras

Accidental Damage cover is offered as an optional extension for an additional premium. Accidental damage covers you for those everyday spillages and incidents that happen in and around your business which would not be covered under the standard perils of your policy.

Terrorism cover can be added to cover your Buildings and/or Business in case of a Terrorist attack.

Please complete the form below and press submit for your free no obligation quote to see if we can save you money.

The following form will form the basis of the Insurance and any non-disclosure or misrepresentation of a material fact could invalidate all or part of the Insurance contract. A material fact is a fact likely to influence insurers assessment of the risk. If you are in any doubt as to what constitutes a material fact you should disclose it. You are responsible for providing the complete and accurate information, which insurers require in connection with any proposal for insurance cover.  If you fail to disclose information, or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid.
Risk Address
Correspondence Address
Cover (Sum Insured)



Previous Claims




How we use your personal information

For existing customers we will process enquiries in accordance with the terms set out in the ‘Use of personal data’ section of our Terms of Business. For other enquirers information you provide will be used only for the purposes described and will not be shared with other parties other than our providers unless we are legally required to do so. Information collected may be used to conduct quote searches on databases either by Oncover Insurance or our providers. If at any time you wish us to cease processing any information we hold about you please contact Andy Patikis at our Cheltenham Office.

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