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General Insurance

You run it, we protect it

All businesses need insurance from the get-go, there are a myriad of things that can go wrong and this will give you protection from everyday risks to more unexpected claims. General Insurance covers a range of different insurance types that can protect your work, your people and your reputation.

Your insurance needs are unique – just like your business is. As your broker, it’s our job to assess all your needs and source policies that are right for you – taking the guesswork out of the equation so you can focus on running a successful business knowing you’ve got a secure safety net below.

Already know which type of insurance you need?

Commercial Vehicle

Minibus, taxi, removals van, coach, whatever your business needs we are able to find an insurance product to suit your needs.


From Electrician to Plastering, Carpentry to Bricklaying you will need to cover yourself and your business.

We are able to help sole traders through to large companies with insurance that is tailored to your unique requirements.


If you have more than three business vehicles you could combine them into a minifleet policy, more than this and you can have a fleet policy to cover as many vehicles as you have.


The modern world has modern challenges, from data breaches to phone phreaking the costs can be high in both downtime, reputational damage & recovery costs.

Directors & Officers

Actions and decisions taken by the directors and officers of the company can lead to a loss for the business – which could also mean the individual facing a claim against themselves.

D&O provides protection for the individuals not the entity.


Cover for costs which you are legal liable to pay, this can be due to a number of reasons, from an Employee (Employers Liability), damage to a third party or their property (Public Liability) losses incurred as a result of advice you have provided (Professional Liability) or many other instances.

Legal Expense

BTE (Before the Event) or ATE (After the Event). Cover can include protecting the business from a number of issues from HR and Employment through to Contract Disputes and Debt Recovery. Usually included is an advice line to keep you on the right track.

Stakeholder Protection

Depending on the formation of your business, in the event of one of the shareholders / partners death, the shareholding may pass to the estate. Shareholder protection provides an amount to enable you to buy the shareholding from the estate.

Key Individual

In the event of incapacity or death of your senior team members, would this have an impact on your business? If the answer is yes, you should look at Keyman / Key Individual Cover.


Private Medical Insurance or Health Insurance gives you access to eligible health treatment when you need it, this type of cover is becoming ever more popular and is often seen as a high-value perk by employees.

Getting Cover

Have a chat with one of our advisors and they can help you get the cover you need – from the basic levels to specific additions. Send us a message using the button below and we’ll call you back within one business day.

Why choose us?

With over 20 years’ Commercial and SME experience, we are able to place a variety of insurance products with a range of insurers, all wrapped up into one easy package for you to manage. A portfolio of products could have multiple renewal dates – at Phoenix, we aim to simplify this process by putting it all in one place for you.

Already have General Insurance?

Is your policy coming up for renewal?

No problem! One of our advisors will contact you up to 30 days before your policy is due to expire and support you through the process of renewal.

Want to move from another insurer?

Depending on the size of your business we may be able to start work well in advance of your renewal date, contact us up to 90 days prior to renewal so we can be in the best position to assist (quotations are valid for 30 days)