Retail and Wholesale

We offer up to 18 different covers – all of which we are expert in – making our Commercial Combined package one of the most comprehensive available in the UK market.

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This covers organisations for their duties under the Employers’ Liability (Compulsory Insurance) Act 1969 to insure against liability for bodily injury or disease sustained by employees.

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Effective protection against liabilities arising from claims brought by third parties is a must for any organisation. We have the expertise, capacity and appetite to help you manage your exposures, wherever you operate in the world.

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When it comes to protecting against the impact of unexpected physical damage and business interruption, you need an insurer with the expertise, capacity and commitment to respond. Our experience and expertise allow us to help organisations of all sizes.

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Businesses that sell goods or services often incur some form of credit risk. On a typical balance sheet, debts represent 40% of current assets. When customers can’t pay their bills, or take too long to pay, it can affect a company’s ability to continue trading, and with the number of businesses entering administration at a concerning level, our comprehensive Trade Credit cover can give companies the confidence to continue trading and grow their business.

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Cyber crime is one of the biggest risks facing businesses today, so companies must ensure they have robust IT security and comprehensive Cyber Insurance in place. Our Cyber insurance protects against the range of risks associated with digital technology and provides critical support in the event of a cyber attack.

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Fraud can cause significant damage to cash flow and profitability, as well as reputation and investor confidence – so we provide protection for the whole range of evolving fraud risks. Our Commercial Crime cover protects against money, stock, goods, securities, property or funds being stolen by employees or third parties. It also protects against the theft of clients’ money or property for which you are responsible.

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Professional Indemnity insurance protects individuals who provide advice from bearing the cost of claims for negligence, and from paying damages awarded against them. We have the flexibility to tailor cover to suit individual circumstances, which can be helpful in a rapidly changing sector.

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With regulators increasingly holding directors and officers personally responsible for problems that arise, Directors’ and Officers’ Liability cover is becoming more important – both to protect the personal assets of key employees and to attract senior staff.

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We help our customers navigate the complexities involved in having operations around the world, providing flexible, compliant cover, including General Liability, Property, Professional Indemnity and Directors’ and Officers’ Liability, in more than 150 countries.

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Technical expertise, customer-focused service and strategic risk management have established QBE as a market leader in the commercial motor sector. No matter what your trade or size of business, we will work hard to understand your challenges and try to find a solution to meet your precise needs.

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