Business Insurance Products

Our full range of business insurance encompasses any commercial enterprises that you may be involved in, from owning property to running a haulage fleet, owning a motor trade garage to involvement in the construction trade. Any business you are involved in we can provide tailored policies to suit your needs.

All classes of commercial insurance
Property Investors, Property owners
— Property Insurance is not always as simple as it seems. Sole Traders, Partnerships, Business, or Limited Companies may require cover for a single property or need first class cover for a whole portfolio of differing types of properties.
Markets available for all types of risks, some examples:
— Stadiums, Office Blocks, let premises
— Landlord Private dwelling
— Commercial Property
— Unoccupied risks.
— DSS and Asylum risks
— Listed Buildings
— Private Buy to lets
— Multi mix private and commercial Landlords
— Managing Agents commercials and private
— Pension Fund Investment


Office
— Offices & Surgeries
— Protection of your trading premises and business is essential in the event of unforeseen circumstances.
— Comprehensive office and surgery packages are available for multi and single sites supported by major UK Insurers.
— Cover will include Employer’s Liability, Public Liability, protection of your contents and stock and potential loss of income from events such as fire, flooding, or storm. Other covers come as standard as well as the potential to add optional extras to cater for your own individual business needs.

Haulage and distribution
— Transport and distribution can appear to be a complex issue for any business regardless of type and size.
We can provide a number of specially made solutions for a variety of types of businesses, including:-
— Long distance Haulage: Goods in transit is a key element to ensure your customers’ goods are covered adequately. You may often need to insure based upon conditions of carriage whether it be RHA Conditions, All Risks, or amended terms. We have extensive expertise is this market and will deliver the exact level of cover to match your business needs.
— Multi drop and next day delivery Couriers
— Freight Forwarders
— Distribution, Logistics & Warehousing: We will deliver a comprehensive package for you which can include Motor Fleet, Liability and a flexible Stockthroughput cover that can cover goods from anywhere to the final destination.
— Shipping & Marine Cargo
— Household Removals

Motor Trade
— At Red Pear we realise that this is a specialist field and have extensive expertise to deliver your individual needs.
We know that every motor trade business will have a specific set of requirements. We will tailor a policy to fit you exactly via a number of exclusive and bespoke markets, some examples..
— Main & Second Hand Car Dealers
— MOT Stations
— Service & Repair
— Valeting
— Recovery Operators
— Tyre & Exhaust fitters
— Self Drive Hire
— Classic Car/Specialist Car Sales and Service.
— Mobile Mechanics.
— Commercial Vehicles

Manufacturing
— Protection of your trading premises and business is essential in the event of unforeseen circumstances.
— Your type of insurance requirements can be much more than a basic business package and often requires specialist knowledge and expert guidance.
— Cover will be tailored to your individual requirements supported by major UK Insurers.
— Cover will include Employer’s Liability, Public Liability, protection of your contents and stock and potential loss of income from events such as fire, flooding, or storm. Other covers come as standard as well as the potential to add optional extras to cater for your own individual business needs.

Pubs and restaurants
— Thorough protection of your trading premises and business is essential in the event of unforeseen circumstances.
— We have expertise in restaurant, cafe, pub, independent, managed, tenanted, licensed and unlicensed businesses.
— Cover will include Employer’s Liability, Public Liability, protection of your contents and stock and potential loss of income from events such as fire, flooding, or storm. Other covers come as standard in addition to having the potential to add optional extras to cater for your own individual business needs.


Construction Trades

— Construction Insurance for the Regional and National Contractor to the Sole Trader.
— We have the capability, knowledge and experience to provide individual solutions for a variety of trades within the construction industry. Risks can be complex requiring expert advice relating to JCT Contract Clauses, Performance Bonds, and Contract Works cover through to straightforward Liability Insurance.
— We cater for a multitude of trades including:-
— General Builders
— House Builders
— Commercial Contractors.
— Civil Engineers & Groundwork Contractors
— Plumbing & Heating Engineers
— Electrical Contractors
— Flooring Contractors
— Carpentry Contractors
— Scaffolding Contractors
— Roofing Contractors

Hotels
— Protection of your trading premises and business is essential in the event of unforeseen circumstances.
— Whether independent hotels, guesthouses, or hotel chains, we have access to insurance markets that will be suited to your individual requirements supported by top UK Insurers.
— Cover will include Employer’s Liability, Public Liability, protection of your contents and stock and potential loss of income from events such as fire, flooding, or storm. Other covers come as standard as well as the potential to add optional extras to cater for your own individual business needs.

Shop and retailers
— Protection of your trading premises and business is essential in the event of unforeseen circumstances.
— Comprehensive shop and retail packages are available for retail chains and individual shop owners. Cover will be suited to your individual requirements supported by major UK Insurers.
— Cover will include Employer’s Liability, Public Liability, protection of your contents and stock and potential loss of income from events such as fire, flooding, or storm. Other covers come as standard as well as the potential to add optional extras to cater for your own individual business needs

Specialist Motor cover
— We realise that this is a specialist field and have extensive expertise to deliver your individual needs. We will tailor a policy to fit you exactly via a number of exclusive and bespoke markets.
— Some Examples
— Motor Fleet
— Taxi Fleet
— Self Drive Hire fleet
— High performance vehicles
— High Value Vehicles