Executive Hire Insurance for Chauffeurs, Airport Transfers, Corporate Travel and Private Hire Fleets

Chauffeurs Owner Drivers and Executive Hire Companies

Insurance can be considered for owner-driver chauffeurs, executive private hire operators, corporate car services, airport transfer businesses and multi-vehicle fleets.

The broker should understand who owns each vehicle, which drivers are permitted, how bookings are obtained and whether journeys are completed by employees, directors or subcontract operators.

Corporate Travel Airport Transfers and Event Transport

Services can include corporate account work, airport and seaport transfers, hotel collections, business roadshows, weddings, conferences and private events.

Each activity can involve different mileage, passenger, contractual and scheduling exposures. Every regular service and geographical area should be declared.

Executive Vehicles Passengers and Hire and Reward Use

Executive saloons, luxury SUVs, prestige cars, MPVs, electric vehicles and hybrids can have high repair and replacement costs.

The broker must know that passengers are carried for payment. Standard business-use motor insurance should not automatically be assumed to permit executive hire and reward work.

Employed Drivers Subcontractors and Controllers

A business may employ chauffeurs, booking controllers, valeters and administrators while passing excess work to subcontract drivers.

Every worker’s duties, driving history and employment relationship should be explained. Subcontractors may need their own appropriate insurance.

Offices Depots Secure Parking and Online Systems

Businesses can operate from home offices, booking centres, garages, secure yards, commercial depots and multiple parking locations.

Websites, booking applications, flight data, corporate itineraries and payment systems can also create cyber and interruption exposures.

Collisions Missed Journeys Theft and Potential Claims

Claims can involve road collisions, passenger injuries, stolen vehicles, damaged luggage, missed flights, driver accidents, booking errors and compromised customer information.

Available protection depends on the declared use, drivers, vehicles, policy limits, excesses, conditions and insurer appetite.

Insurance for chauffeurs corporate transport operators and private hire fleets

Executive hire businesses combine passenger transport, customer service, vehicle management and time-critical journey coordination.

The insurance enquiry should describe the complete operation rather than simply identifying it as private hire. The broker should understand the vehicles, passengers, booking sources, contracts, drivers and premises involved.

A company may begin with one owner-driven car and later add vehicles, employed chauffeurs, online bookings and corporate accounts. Each material change should be discussed with the broker.

Owner-driver chauffeur insurance

An owner-driver may own, lease or finance one executive vehicle and personally complete every journey.

The broker may ask about driving experience, claims, convictions, private hire history, annual mileage and anticipated turnover. The operator should explain the proportion of airport, corporate, wedding and general passenger work.

Any personal use, additional drivers and overnight parking arrangements should also be declared.

Self-employed chauffeurs

A self-employed chauffeur may take direct bookings, work through platforms or complete journeys for other executive hire companies.

The enquiry should explain who contracts with the passenger and who sets the fare. The broker should know whether the driver uses their own vehicle or drives vehicles belonging to other operators.

Insurance arranged for one company or platform should not automatically be assumed to cover independent bookings.

Executive chauffeur companies

A company may own several prestige vehicles and employ or subcontract multiple drivers.

The broker should receive a complete vehicle and driver schedule. The business should explain how journeys are allocated, how drivers are vetted and who handles out-of-hours changes.

Motor Fleet Insurance may provide a relevant route for businesses operating multiple vehicles.

Corporate car services

Corporate customers may require reliable transport for directors, employees, clients and visitors.

The executive hire company may work under a formal service agreement specifying response times, vehicle standards, confidentiality and insurance limits.

Any contractual indemnities or required liability limits should be provided to the broker rather than assumed to be included.

Airport transfer operators

Airport work can involve high annual mileage, early starts, late-night collections, waiting time and journeys affected by flight delays.

The broker should know which airports are served, whether drivers enter terminals and whether bookings include meet-and-greet services.

Parking, airport permits and licensing obligations remain separate from insurance.

Seaport and cruise transfers

Passengers may require transport between homes, hotels, airports and cruise terminals.

These bookings can involve substantial luggage, long-distance travel and fixed vessel departure times.

The business should declare seaport work and explain whether several passengers travelling together use an executive MPV or multiple cars.

Railway station transfers

Station collections can involve congested roads, short waiting periods and passengers entering vehicles near moving traffic.

The broker should know whether station work is occasional or forms a significant part of the business.

Drivers should follow applicable access and waiting restrictions rather than relying on insurance as a substitute for permission.

Hotel chauffeur services

Hotels and concierge companies may arrange executive travel for guests.

The contractual arrangement should identify whether the hotel acts as agent or contracts directly with the chauffeur business. Responsibility for booking details and passenger communication should be clear.

Drivers may enter receptions, handle luggage and wait within hotel grounds, creating exposures beyond road use.

Corporate roadshows

Financial, legal and professional-services clients may arrange tightly scheduled journeys between several offices and meetings.

The executive hire company may coordinate drivers, vehicles, routes and last-minute itinerary changes.

An incorrect schedule, breakdown or missed collection can cause substantial financial and reputational loss. Professional Indemnity Insurance may be relevant where professional booking or coordination errors allegedly cause financial loss.

Conferences exhibitions and business events

Executive transport can be arranged for speakers, delegates, sponsors and corporate guests.

The operator may coordinate several arrivals and departures involving multiple drivers. Temporary pickup points, venue traffic restrictions and waiting arrangements should be declared where relevant.

The event organiser’s insurance should not automatically be assumed to protect the transport operator.

Wedding chauffeur services

Executive saloons and prestige vehicles may be provided for couples, family members and wedding guests.

The broker should know whether ribbons, flowers or other temporary decorations are attached and whether vehicles remain on display for photography.

Multiple journeys, venue access, waiting periods and passenger refreshments should be disclosed.

Proms parties and private celebrations

Vehicles may be hired for proms, birthdays, anniversaries, funerals and other private events.

The operator should declare any work involving young passengers, late-night travel, alcohol or multiple pickup points.

Standard executive cars should not be described as stretch limousines if they do not fall within the same vehicle or licensing category.

Hourly and as-directed chauffeur hire

A passenger may retain the car and driver for several hours without providing a complete itinerary in advance.

The broker should know whether as-directed hire forms a regular part of the business and whether journeys can extend outside the normal operating territory.

Waiting at private properties, offices, restaurants and event venues may create parking and security exposures.

Long-distance executive travel

Some clients prefer chauffeur-driven cars for intercity and cross-country journeys.

High mileage, driver fatigue, overnight stays and driving abroad should be declared where applicable.

A policy arranged for domestic UK work should not automatically be assumed to permit overseas journeys.

International and cross-border work

Executive vehicles may travel through the Channel Tunnel, use ferries or operate elsewhere in Europe.

The broker should be told which countries are visited, how frequently travel occurs and whether passengers are collected overseas.

Motor territorial limits, breakdown assistance and local operating requirements should be confirmed before travel.

VIP celebrity and diplomatic passengers

Transporting high-profile passengers can involve confidentiality, security coordination and unusual itinerary arrangements.

The operator should disclose this work where it changes vehicle use, contractual responsibility or passenger exposure.

Close protection, armed guards and specialist security driving are distinct activities requiring specific consideration.

Children and vulnerable passengers

An executive hire operator may transport children, elderly passengers or people requiring assistance.

The broker should know whether unaccompanied children are accepted and whether drivers provide mobility assistance.

Patient transport, medical transport and regulated care activities should not be presented as ordinary executive hire.

Executive saloons

Prestige saloons are commonly used for corporate travel and airport transfers.

The broker should receive each vehicle’s registration, value, ownership, annual mileage and overnight location. High-performance variants and expensive optional equipment should be disclosed.

Agreed value, market value and replacement arrangements should be confirmed rather than assumed.

Luxury SUVs

Executive SUVs may be chosen for passenger comfort, luggage capacity and difficult weather conditions.

Their size, weight, repair costs and theft attractiveness can affect underwriting.

Drivers should be appropriately experienced, and any towing or off-road use must be declared separately.

Executive MPVs

MPVs can accommodate larger passenger groups and increased luggage.

The operator should confirm seating capacity and ensure the declared use matches the vehicle and applicable operating arrangements.

Minibuses and vehicles carrying larger groups may require a different insurance route and should be identified accurately.

Electric executive vehicles

Electric vehicles are increasingly used for urban corporate travel and sustainability-focused contracts.

The broker should know the vehicle value, battery arrangement, charging locations and repair requirements.

Charging equipment at a home, depot or office may require separate property and liability consideration.

Hybrid chauffeur vehicles

Hybrid vehicles may be used for long-distance work where charging availability varies.

The insurer should know the exact model and value. Battery damage, specialist recovery and manufacturer repair networks can affect downtime following an accident.

Classic and prestige wedding cars

Some businesses combine modern executive transport with classic, vintage or unusual wedding vehicles.

These vehicles should be declared separately because values, parts availability, usage and repair methods can differ substantially.

Self-drive hire should not be assumed to be included within chauffeur-driven use.

Vehicle ownership and finance

Cars may be owned outright, leased, financed or supplied through another company.

The broker should know the registered keeper, legal owner and any interested finance provider. Contract hire mileage and use restrictions remain the operator’s responsibility.

A leased vehicle should not automatically be assumed to include appropriate hire and reward insurance.

Hire and reward insurance

The motor arrangement must reflect that passengers are carried for payment.

An ordinary Commercial Vehicle Insurance policy should not automatically be treated as executive private hire insurance. The exact class of use must be confirmed with the specialist broker.

Permitted drivers, passenger capacity, operating territory and licensing conditions can affect the terms offered.

Passenger liability

Passenger injury resulting from the use of the vehicle will generally require consideration under the appropriate motor policy.

Public liability and motor passenger liability should not be treated as interchangeable.

The operator should confirm the motor insurer’s requirements concerning seatbelts, passenger numbers and permitted use.

Accidental vehicle damage

An executive car can suffer collision, vandalism, weather or parking damage.

The policy’s repair arrangements, approved repairers, excess, valuation and replacement vehicle provisions should be checked.

A basic replacement car may not be suitable for paid executive transport.

Vehicle theft

Prestige saloons and luxury SUVs can be attractive to thieves.

The insurer may require trackers, approved immobilisers, key security and particular overnight parking arrangements.

The business should report every regular garaging address and any periods when vehicles are left at airports, hotels or stations.

Vehicle keys

Executive hire businesses may hold multiple vehicle keys at offices, homes and depots.

Keys should be stored securely, with controlled access and clear procedures for drivers collecting and returning them.

The broker should be told about unattended key boxes, remote handovers and spare keys stored away from the main premises.

Overnight parking

Vehicles can be parked on residential driveways, public roads, in garages, secure compounds or commercial car parks.

Every regular overnight location should be declared. Vehicles kept at employees’ homes or changing locations may require particular attention.

Storage at a secure depot should be described accurately, including gates, CCTV, lighting and access control.

Breakdown and roadside recovery

High-mileage executive vehicles can suffer mechanical or electrical breakdown.

Roadside assistance, recovery and onward passenger arrangements should be considered. These services are distinct from comprehensive motor insurance.

Replacement vehicles must be suitable, properly insured and authorised for the intended hire and reward use.

Courtesy and replacement vehicles

An ordinary courtesy car may not meet executive customer expectations or private hire requirements.

The broker should be asked whether an appropriate replacement vehicle can be provided following insured damage.

The vehicle category, duration and any additional cost should be confirmed.

Vehicle maintenance

Executive cars may cover substantial annual mileage and require frequent servicing, tyres and safety checks.

Maintenance records can be important following an accident or mechanical failure.

The operator should explain whether servicing is carried out by main dealers, independent garages or an in-house workshop.

In-house vehicle workshops

Larger fleets may employ mechanics or operate their own servicing facility.

Workshop repairs, lifting equipment, machinery, spare parts and employees create additional risks beyond chauffeur operations.

These activities should be declared rather than treated as incidental vehicle administration.

Vehicle valeting

Cars may be cleaned between journeys by drivers, employed valeters or subcontract businesses.

The insurer should know whether valeting occurs at a home, depot, commercial wash facility or customer location.

Chemicals, pressure washers and employee duties should be disclosed where the company performs its own valeting.

Drivers and permitted use

Every driver should be declared or fall within an agreed fleet-driving description.

The insurer may apply age, experience, licence, residency or claims-history requirements.

Allowing an undeclared or ineligible driver to use a vehicle can jeopardise protection.

Driver vetting

Executive hire businesses may check licences, driving history, identity, references and relevant permissions before allocating work.

The broker may ask how often driver information is reviewed.

Insurance does not replace licensing, employment or safeguarding responsibilities.

Employed chauffeurs

Employers’ Liability Insurance is generally required where a business employs people, subject to limited exemptions.

Driver duties can include luggage handling, vehicle cleaning, passenger assistance and unsociable working hours.

Every duty and work location should be declared.

Subcontract drivers

Overflow work may be passed to self-employed chauffeurs or other private hire companies.

The principal business should establish whether the subcontractor has suitable motor and business insurance for the journey.

The broker should understand who contracts with the passenger, receives payment and handles complaints.

Temporary and relief chauffeurs

Relief drivers may cover holidays, illness and periods of high demand.

The insurer should know whether temporary drivers are permitted and what eligibility requirements apply.

Adding a driver at short notice should not be assumed to be automatic.

Booking controllers

Controllers allocate vehicles, monitor flights and coordinate passengers and drivers.

An incorrect address, date or time can result in missed journeys and financial complaints.

Professional indemnity and cyber protection may therefore be relevant to businesses providing substantial travel coordination.

Home-based controllers

Booking staff may work remotely from home using business computers and telephone systems.

Working From Home Insurance may be relevant where household insurance is not designed for commercial equipment or employee activity.

The business should maintain suitable access control for passenger and driver information.

Booking agents and travel coordinators

Some businesses arrange chauffeur journeys without owning vehicles or employing drivers.

The broker should understand whether the business acts as an agent, principal or platform operator.

Its principal exposure may involve professional advice, booking errors, cyber risks and contractual responsibility rather than vehicle ownership alone.

Corporate contracts

A chauffeur company may depend on contracts with financial firms, professional services, hotels or travel-management companies.

The broker should review any required liability limits, indemnities and service obligations.

The operator should avoid agreeing to contractual responsibilities without understanding whether they are accepted by its insurers.

Booking terms and cancellation charges

Terms can address waiting time, passenger delays, cancellations, additional stops and cleaning charges.

They should not be presented as removing statutory responsibilities or overriding policy conditions.

Disputed fees and service complaints should be managed through clear records and communications.

Meet-and-greet activities

Drivers may enter airport terminals, hotels and office receptions carrying a name board or digital sign.

Public Liability Insurance may be relevant to certain eligible accidents occurring away from the vehicle.

Public liability should not be described as replacing the appropriate motor policy.

Luggage and passenger belongings

Drivers frequently handle suitcases, laptops, samples, mobility equipment and personal possessions.

The operator should ask the broker how passenger property is treated. Limits and exclusions may apply to high-value or fragile items.

Goods in Transit Insurance should not automatically be assumed to cover passenger luggage.

Lost property

Phones, laptops, passports and other belongings may be left inside vehicles.

The business should have a documented process for recording, securing and returning found property.

Allegations involving missing property or employee theft may require separate consideration.

Passenger assistance

Chauffeurs may help passengers enter vehicles, carry luggage or use steps and mobility aids.

The insurer should know whether drivers provide specialist assistance or transport wheelchair users.

Vehicles fitted with ramps, lifts or accessibility modifications should be declared.

Offices and booking centres

Executive hire companies may operate from home offices, serviced offices or dedicated booking centres.

Office Insurance may be relevant to computers, dispatch systems, telephone equipment, furniture and records.

Customer visits, cash, keys and driver attendance should be declared.

Vehicle depots

A depot may include parking, offices, charging points, cleaning areas and key storage.

The broker should know whether maintenance, fuel storage, repairs or washing take place.

Buildings, tenant’s improvements, equipment and liability may require separate property sections.

Secure yards and compounds

Vehicles may be kept behind gates within fenced commercial yards.

Security details can include CCTV, lighting, alarms, tracking, barriers and controlled access.

Commercial Property Insurance may be relevant to owned depot buildings, but it should not be treated as motor insurance for the vehicles.

Home garages and vehicle equipment

Owner-drivers may keep the executive car and business property at home.

Tools in Garage Insurance may be relevant to eligible portable equipment stored in a garage.

The motor insurer must separately know the vehicle’s overnight location.

Business contents

Business Contents Insurance may be relevant to dispatch computers, office furniture, vehicle-cleaning equipment, child seats and portable signs.

The broker should understand which contents remain at premises and which travel in vehicles.

Mobile equipment can be subject to different theft and accidental-damage conditions.

Business stock

Stock is usually a secondary exposure for chauffeur companies.

Business Stock Insurance may be relevant where branded goods, refreshments, cleaning products, tyres or spare vehicle parts are held in material quantities.

Every stock and storage address should be declared.

Storage and self storage

Vehicle accessories, marketing equipment, spare seats and records may be kept away from the main premises.

Storage Insurance may be relevant to declared external storage.

Business Goods and Stock in Self Storage provides a route for eligible commercial property kept in a self-storage unit.

Motor vehicles should not be treated as ordinary stored business contents.

Websites and online bookings

Executive hire companies may accept enquiries, bookings and payments through websites and smartphone applications.

Website and Online Business Insurance may be relevant where digital systems are central to trading.

The broker should know whether the website only generates enquiries or automatically prices and confirms journeys.

Booking platforms

Work can be obtained through corporate portals, travel-management systems and third-party passenger applications.

The operator should understand who contracts with the customer and what insurance the platform requires or claims to provide.

Platform protection should not be assumed to extend to off-platform bookings.

Cyber insurance

Passenger records can contain home addresses, travel dates, flight numbers, payment details and confidential business itineraries.

Cyber Insurance may be relevant if this information is stolen, exposed, altered or made unavailable.

High-profile passenger information can create additional security and reputational concerns.

Electronic payments and fraud

Businesses may take card payments, account bookings, bank transfers and digital deposits.

Fraudulent instructions, compromised accounts and chargebacks can cause financial loss.

Payment-provider reimbursement should not be confused with comprehensive cyber or crime insurance.

Dispatch system interruption

A booking or dispatch failure can prevent controllers from locating drivers, reviewing passenger information or allocating journeys.

The business should maintain appropriate backup arrangements.

Cyber interruption and property-based business interruption may apply differently depending on the cause.

Commercial combined insurance

Commercial Combined Insurance may provide a route for property, contents, stock, liability and interruption sections.

Motor fleet protection may still require a separate specialist arrangement.

The broker should understand how the non-motor and motor risks interact.

Professional indemnity insurance

Professional indemnity may be relevant where the business provides booking, itinerary, travel-management or coordination services.

A corporate client could allege that an error caused a missed flight, meeting or event.

The policy should not be presented as compensating every delayed or dissatisfied passenger.

Directors and officers insurance

Directors and Officers Insurance may be relevant to limited executive hire companies.

It may protect directors against certain eligible allegations involving management decisions.

It does not replace the company’s motor, liability or property insurance.

Business interruption

Business Interruption Insurance may help protect income following insured damage to an office, depot or other insured property.

Vehicle accident, mechanical breakdown, loss of a contract and booking-system failure may not trigger a standard property-based interruption section.

The business should explain its dependencies and required indemnity period to the specialist broker.

Personal accident

Owner-drivers can lose income if an accident or injury prevents them from driving.

Personal Accident Insurance may provide financial protection following certain insured accidental injuries.

It should not be confused with employers’ liability or motor passenger liability.

Legal expenses

Business Legal Expenses Insurance may provide assistance with certain eligible employment, contractual, property or tax disputes.

Licensing matters, motoring offences and every customer complaint should not automatically be assumed to be covered.

Driver and journey records

The business should maintain appropriate driver, vehicle, booking and journey records.

Records may include passenger instructions, collection times, flight numbers, subcontractors and changes requested during the journey.

Accurate records can assist with complaints and claims but do not guarantee that liability will be avoided.

Accident and complaint reporting

Road accidents, passenger injuries, lost property, vehicle theft, data breaches and serious service complaints should be documented promptly.

Photographs, witness details, booking messages and dashcam footage may be relevant.

Circumstances that could lead to a claim should be reported according to the insurer’s requirements.

Executive car is involved in a collision

A chauffeur carrying corporate passengers is involved in a road accident. Vehicle damage, third-party liability and passenger injuries would require consideration under the appropriate motor policy.

Passenger is injured entering the vehicle

A passenger falls while the chauffeur assists them into the car. Motor or public liability considerations may arise depending on the circumstances.

Chauffeur damages passenger luggage

A driver drops and damages an expensive suitcase while loading the boot. Protection depends on how passenger belongings are treated by the policy.

Vehicle is stolen overnight

A prestige SUV is stolen from the driver’s residential address. The insurer may examine the declared parking location, keys, tracker and security conditions.

Driver misses an airport collection

A controller enters the wrong arrival time and the passenger misses an onward meeting. Professional indemnity may be relevant if an eligible financial loss is alleged.

Replacement car is unsuitable

Following an accident, the supplied courtesy vehicle cannot legally or practically complete executive hire work. The availability of a suitable replacement depends on the arrangement purchased.

Employee chauffeur is injured

An employed driver suffers an injury while lifting heavy passenger luggage. Employers’ liability could respond to an eligible claim.

Subcontract driver causes an accident

A subcontract chauffeur completing a booking is involved in a collision. The principal operator’s contractual position and the subcontractor’s motor insurance may both require review.

Customer slips at the booking office

A corporate client visiting the premises slips on a wet entrance floor. Public liability may be relevant to an eligible injury claim.

Depot fire damages equipment

A fire damages the office, charging equipment and vehicle-cleaning machinery. Commercial property, contents and interruption sections may respond differently.

Electric vehicle charging point causes damage

A fault involving charging equipment causes property damage at the depot. Responsibility may involve the operator, property owner, equipment supplier or installer.

Booking system is attacked

A cyberattack prevents controllers from accessing journeys and passenger information. Cyber insurance may be relevant if suitable protection was arranged.

Confidential itinerary is exposed

A high-profile passenger’s travel details are disclosed after an email account is compromised. Cyber and data-breach protection may require consideration.

Passenger leaves a laptop behind

A customer alleges that a laptop left in the vehicle was not returned. The business’s lost-property procedures and policy wording may be examined.

Driver takes an undeclared vehicle abroad

A chauffeur accepts a European journey without checking territorial cover. The policy may not respond as expected if the journey falls outside the declared use or territory.

Product Liability Insurance

May be relevant where an executive hire business supplies branded products, refreshments or other goods to passengers.

Group Personal Accident Insurance

Accident protection that may be considered for eligible groups of chauffeurs, controllers and other employees.

Commercial Property Owners Insurance

Relevant to owners of depots, offices, garages and other commercial buildings occupied by transport businesses.

Terrorism Insurance

Additional property and interruption protection that owners or occupiers of certain commercial premises may consider.

Tools in Van Insurance

May be relevant to portable equipment carried in support vans or other commercial vehicles.

Tools in Vans Overnight Insurance

A supporting route where eligible portable business equipment regularly remains inside secured vehicles overnight.

Warehouse Insurance

For businesses occupying warehouses used to hold vehicle equipment, parts, accessories and commercial stock.

Engineering Inspection Insurance

May be relevant where a depot uses eligible lifting equipment, pressure systems or other machinery requiring inspection.

Shop Insurance

A supporting route for transport businesses also operating customer-facing shops or retail premises.

Equipment Hire Business Insurance

For businesses hiring equipment to customers rather than providing chauffeur-driven passenger transport.

Wholesaler Insurance

For trade suppliers holding and selling vehicle accessories, parts and related commercial products.

Distributor Insurance

For businesses distributing vehicle equipment, accessories and products to commercial customers.

Minivan Taxi Insurance

For taxi operators using minivans to carry passengers and luggage for hire and reward.

Minibus Insurance

For businesses and organisations operating vehicles designed to carry larger passenger groups.

Haulage Insurance

For haulage contractors and transport businesses carrying commercial goods rather than executive passengers.

Commercial Trailer Insurance

For businesses towing commercial trailers for equipment, vehicles or other declared purposes.

Food Delivery Car Insurance

For drivers and businesses using cars to deliver food to customers rather than carrying passengers.

Driving Instructor Insurance

For driving instructors using tuition vehicles with learner drivers and dual-control equipment.

Car Wash Insurance

For hand car washes, automated sites, mobile valeters and businesses responsible for customer vehicles.

Tyre Fitter Insurance

For mobile tyre fitters, garages, commercial tyre specialists and roadside services.

Car Audio Installers Insurance

For installers, retailers and repairers working on audio and entertainment systems inside customer vehicles.

Car Security Installers Insurance

For businesses fitting alarms, immobilisers, trackers and other vehicle security systems.

Car Customisation Business Insurance

For vehicle customisation workshops, accessory fitters, retailers and specialist modification businesses.

Horse Drawn Carriage Ride Public Liability Insurance

For operators providing passenger carriage rides at weddings, events, attractions and public locations.

Pet Behaviourist Insurance

For dog, cat and companion-animal consultants providing assessments, behaviour plans and online advice.

Dog Microchipper Insurance

For mobile implanters, breeders, rescues, clinics and pet businesses providing microchipping services.

Sculpture Shop Insurance

For sculpture retailers, makers, restorers, galleries, workshops and online sellers.

Maternity Shop Insurance

For shops and ecommerce businesses selling maternity clothing, nursing products and related accessories.

Horticultural Goods Shop Insurance

For retailers, repairers and suppliers of gardening tools, machinery and horticultural products.

Music Workshop Public Liability Insurance

For tutors and organisations delivering instrumental, vocal and participatory music workshops.

Coffee Shop Insurance

For cafés and coffee shops serving customers from fixed retail and hospitality premises.

3D Printer Insurance

For 3D-printing businesses, manufacturers, studios and online sellers using specialist production equipment.

Medical Surgery Insurance

For medical surgeries requiring consideration of premises, employees, equipment and liability.

Raku Pottery Insurance

For specialist potters undertaking raku firing, workshops and public demonstrations.

Watermill Museum Insurance

For historic watermills operating as museums, heritage attractions and working machinery sites.

Converted Prison Insurance

Specialist property information for former prison buildings converted to residential, commercial or mixed alternative uses.