COMMERCIAL INSURANCE 

COMMERCIAL INSURANCE 

COMMERCIAL INSURANCE 

Our typical clients are in… 

Retail 
Professional Services 
Transport 
Hospitality and entertainment 
Leisure 

Typical cover solutions: 

Professional Indemnity 
Employers’ Liability / Public Liability 
Cyber Liability 
Management Liability (D&O) 
Product Liability 
We also offer a bespoke Commercial Combined service for optimal cover. 

Commercial Insurance Services 

COMMERCIAL INSURANCE SERVICES 

What has a carpet fitter got in common with a bar owner? How about an antiques shop and a car parts distributor?  
The fact is: after opening the business and perhaps finding some premises, insurance was probably the very next consideration in managing their companies. 
 
In our personal lives, we fully understand the importance of risk mitigation – that’s why we get home buildings insurance in case our home burns down. And as soon as we can afford it, we make the same risk mitigation decisions for business. 

HOW WE HELP 

At Merlin, we’re businesspeople too. Many of us have run our own businesses – we certainly all know how hard it is! 
We know what it’s like to be blindsided by unexpected circumstances. And we know that money you’ve earned is money that needs to be protected: you won’t spend a penny without good reason. 
 
Perhaps most importantly, we treat our startup and smaller business clients with the same respect as the multi-million pound logistics firm or the giant construction project. Because we know commercial insurance and we know the challenges you face. 

We give our commercial clients two clear promises: 

First, we’ll give you whole-of-market expertise. 
Typical needs include employers’ liability, public and product liability, professional indemnity, contents and stock, landlord-mandated premises insurances, cyber and data protection, business interruption and continuity protection and more. Whatever configuration your business needs, we’ll be able to craft cover that gives you peace of mind without breaking the bank. 
Second, we’ll be the expert advisors you really need. 
Smaller businesses don’t have time to understand the market. They don’t have negotiating power. They underestimate and undervalue risks and end up with generic, poorly integrated off-the-shelf products. And only feel the pain when trouble strikes. We think the job of a broker is to solve all these challenges – and we’re proud to help growing businesses get the help they need. 
We’ll work with you to understand the unique exposures associated with your business and craft a package bespoke to your needs and risk profile. Keeping you covered, compliant and confident. 

Get in touch today for help choosing professional commercial insurance. 

Your expert guidance and dedication 
As always, your expert guidance and dedication to making sure we have the right cover in place - taking away the stress and confusion from an important part of our business operation is very much appreciated. 
 
It's great having a team with your knowledge and customer-first attitude on hand to expertly guide us through the process each year and we are eternally grateful that you take all the stress away from the this for us when it comes round each year. 
Bastion Architecture 
Their understanding of the market we operate in and the clients we look after has come in very useful. 
The team at Merlin have always been on hand to answer any queries and we are very pleased with the service we receive. The expert advice has been very helpful, but their understanding of the market we operate in and the clients we look after has come in very useful. 
Hallas & Co, Chartered Surveyors 
As our stock levels have grown, they have always adapted our insurances immediately. 
We are a niche business with unique and complex products liability requirements, Merlin Insurance Brokers have been there to advise on our contractual requirements and ensure we are able to cover our risks. Also, as our stock levels have grown, they have always adapted our insurances immediately to ensure we are always covered. 
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