Business, Office and Retail Insurance

Insurance for commercial organisations, shops and offices

Our new Business, Office and Retail insurance is specifically designed for social enterprises, commercial organisations, shops and offices and offers flexible cover options for a variety of business activities, all under one product.

Key features

  • Our Business, Office and Retail insurance is designed for social enterprises and community organisations, offices and high street shops and retailers.
  • Liability covers with optional Hirers’ liability
  • Equipment breakdown as standard (if property damage selected)
  • Business interruption includes loss of premises licence or club premises certificate
  • Insurance cover options include: 
    • All Risks, 
    • Cyber, 
    • Fidelity Guarantee, 
    • Goods in Transit, 
    • Legal expenses, 
    • Money, 
    • Motor Policy Compensation, 
    • Personal Accident, 
    • Property Damage, and 
    • Terrorism 
  • Comprehensive buildings valuations at no extra cost with condition of average waiver, if valuation accepted (subject to underwriting criteria)
  • Access to additional Group services for:
    • specialist advice risk management,
    • our Preferred Supplier Network, and
    • Enterprise Risk Management (ERM): we can talk to your larger clients about identifying and managing strategic risks, as well as helping them build on their existing processes, with a view to embedding ERM into their organisation   

Why Ansvar Charity and Community Insurance?

"Working with Ansvar has made a significant difference to our business. Their products are designed to be easily understood, give broad cover while maintaining affordability. Their people are always available, flexible and supportive. If only all insurers were like Ansvar."
Mark Pitcher, Director of Business Development, PolicyBee
  • We specialise in insuring the third sector and our products are designed especially for this niche. We do not shoe-horn charities onto products designed for other types or risks.
  • We are proud to be part of the Benefact Group – a charity owned, international family of specialist financial services companies, that gives all available profits to charity and good causes. We’re built on the idea that better business, can better lives
  • Every three years we run our Donation Programme which invites applications from charities involved in promoting healthy lifestyles to children and young adults. Money is then donated to the winning three charities to help them run their specific programmes
  • We pride ourselves on offering an excellent personal service and a fast and sympathetic response to claims
  • Not only do we insure the third sector, but we also run a local branch of a national charity ourselves – and have won awards for our work in setting this up and running it on a day-to-day basis

Business, Office and Retail Insurance FAQs

How long does the cover last?
Normally 12 months. We will send you a renewal notice approximately one month before the cover ends. 
Is it possible to cancel the policy?
Yes, subject to certain terms and conditions, please see the Business, Office and Retail brochure for more information.  
Can Ansvar cancel the policy?
Yes, we have the right to cancel the policy by giving 14 days’ notice. If we cancel the policy we will refund the premium for the rest of the period of insurance. 
How do I make a claim?
Call our 24-hour claims line on 0345 606 0431. See your policy documents and our claims page for more detailed guidance.. 
Download the product brochure for full details