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As we know that one size doesn’t fit all, we actively work with brokers in the SME sector to create innovative solutions that fit the precise needs of SMEs.

We offer a comprehensive suite of commercial and motor insurance products for small and medium-sized enterprises (SMEs).

A flexible approach

We understand that no two customers have identical needs. So we’re never afraid to think creatively and take a different approach to the challenges – or opportunities – you may face. You’ll deal direct with empowered decision-makers who aim to accommodate the vast majority of risks that they see.

Speed and convenience

Our e-trading capabilities make it easy, fast and efficient to do business with us. Through our dedicated SME e-trade centre in Stafford, we offer products across a growing range of platforms. These include our easy-to-use QBE FastFlow broker portal, Acturis, PowerPlace, SSP, CDL Strata and Applied.

At your service

When it comes to customer service, we believe that what sets us apart is our people and our proactive approach. As our underwriters are empowered to make decisions, we are able to provide a prompt, effective service. We really listen to our brokers, responding with improvements to services and products in line with your needs.

Delegated underwriting authority

We provide delegated underwriting authority to brokers and managing general agents, empowering them to write risks on our behalf, within an agreed appetite. Business written includes Office, Retail and Leisure, Property Owners, Commercial Combined, Tradesman and Professional Indemnity. Please get in touch for more information on or 0800 917 9331

Partner arrangements

QBE partner arrangements involve us working closely with brokers to understand each other’s business needs and implementing a tailor-made product offering, which you then manage with a degree of delegated authority. Please email or fill in our enquiry form for more information.

Here when you need us

It’s only when you make a claim that you really discover the value your insurer delivers. At QBE, we provide an efficient and effective claims service that allows us to assess and pay valid claims promptly. To make a claim, please follow the claim notification instructions in your policy.

Responding to your feedback

Responding to your feedback

We’re delighted that so many of you responded to our recent broker surveys. We’re now acting on your feedback so that we can provide an even better service.

Read more

The cover you need

We offer a wide range of insurance products for SMEs. View our at a glance table or find out more below:

  • QBE Business Combined is a flexible, modular product that can be fully customised to your precise needs. As well as core contents cover, we offer optional covers including business interruption extensions, Employers’ Liability and Public and Product Liability. A major benefit is the ability to accommodate Property covers in isolation – for example, for contractors’ premises.

    This product is particularly suited to the manufacturing, engineering, wholesale and supply industries, but it can also meet the requirements of the vast majority of SME businesses.

    Download our Business Combined: SME product sheet (PDF 528Kb)

    Get a quote

  • QBE Professional Combined offers a wide range of optional covers, such as Directors’ and Officers’ Liability and Cyber Liability, built around a core Professional Liability product. Standalone Professional Indemnity (PI) cover is also available, along with fully retroactive cover.

    PI is a real area of strength for QBE and we offer some of the broadest cover currently available, with different policy wordings tailored to the needs of different professions.

    As the official insurance partner of the Rugby Football Union (RFU), we have also developed a PI policy specifically for RFU Registered Agents

    Download our Professional Combined: SME product sheet (PDF 541Kb)

    Get a quote

  • QBE Contractors Combined is a flexible wages and turnover product, built from the ground up around contractors’ specific needs. It covers Employers’, Public and Product Liability, as well as Legal Expenses, as standard. Additional cover is available for contract works, material damage and non-negligence. It is ideally suited to traditional contracting firms, from building contractors to civil engineers.

    For smaller contracting risks, we also offer a Tradesman per capita product.

    Download our Contractors Combined: SME product sheet (PDF 545Kb)

    Get a quote

  • QBE Commercial Property Owners Insurance can be tailored to fit your precise needs. We insure a variety of commercial property types across a wide range of sectors, including office and retail, wholesale and distribution, light manufacturing and assembly.

    All risks cover, including subsistence, is offered as standard, with property and loss of rent sums insured up to £5 million per location.

    Download our Commercial Property Owners: SME product sheet (PDF 520Kb)

    Get a quote

  • QBE Tradesman Insurance is a comprehensively worded and flexible per capita product that has been designed to meet the needs of traditional and emerging trades, contractors and professionals. Public Liability and Legal Expenses are provided as standard, with a wide range of cover options to suit individual circumstances, such as Employers’ Liability and business interruption.

    This product can cater for risks with a turnover of up to £2.5m and up to 25 employees. For larger risks, we also offer a Contractors Combined product.

    Download our Tradesman: SME product sheet (PDF 147Kb)

    Get a quote

  • With cover available to suit almost any kind of office, we can accommodate the needs of the vast majority of SME customers. Our Office Insurance policy includes contents, business interruption, Employers' Liability, Public Liability and Legal Expenses covers as standard, with additional covers such as personal accident and computer breakdown available.

    Download our Office: SME product sheet (PDF 287Kb)

    Get a quote

  • Whether you’re wanting to insure cars, vans, trucks, minibuses, coaches or a mixture of business vehicles, we can provide comprehensive cover and peace of mind.

    Our Motor Fleet cover offers AA accident recovery, a nationwide repair network, legal and technical support, in-house engineering expertise, strict service level agreements, and support with fraud prevention.

    Contact our Motor Fleet Insurance team for more information on or 0800 917 9360

    Download our Motor Fleet: SME product sheet (PDF 532Kb)
    Download our Motor Fleet: proposal form (PDF 176Kb)
    Download our Motor Fleet: scene of accident report form (PDF 45Kb)

  • Few insurers know the minibus market like QBE. Over the past 20 years, we have insured hundreds of thousands of minibuses and can meet the needs of almost any minibus operator.

    We offer optional AA accident recovery, a nationwide repair network, legal and technical support, in-house engineering expertise, strict service level agreements, and support with fraud prevention.

    Contact our Minibus Insurance team for more information on or 0800 917 9348

    Download our Minibus Insurance: SME product sheet (PDF 1.1Mb)
    Download our Minibus handbook (PDF 2.1Mb)
    Download our Minibus infographic (PDF 944Kb)

    Get a quote

  • If you need small fleet insurance that is big on flexibility, we can help. QBE Mini Fleet Insurance can accommodate small fleets (3-15 vehicles) of cars, vans, trucks, minibuses, agricultural or special vehicles.

    You can choose the cover most suited to your needs, with options including AA breakdown cover and uninsured loss recovery. All drivers are considered, including those aged 17-24 and over 70.

    Download our Mini Fleet: SME product sheet (PDF 287Kb)

    Get a quote

Learn more about QBE FastFlow