SME Package Insurance

Small Businesses Solutions

Commercial Insurance is a general term that covers many different insurance types to protect your business against losses that may occur from damage to your property or injury to employees.

General core commercial insurance includes cover such as public liabilityemployer’s liability and professional indemnity.

At Plan, we will build your commercial insurance package specific to your needs. You will benefit from:

  • Expert knowledge and advice
  • Exclusive rates from leading insurers
  • Platinum standard service
  • Exclusive access to Health and Safety documents, Risk and Method Assessments, Business Continuity templates and more – for no extra cost to your policy.

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.

Who We Cover

  • Shops
  • Offices
  • Restaurants & cafes
  • Pubs & bars
  • Retailers
  • Professionals
  • Take aways
  • Hair dressers & salons


Below we have compiled some commonly asked questions that explain the key features of SME Package Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

Why take out a SME Package Insurance policy with Plan Insurance?

At Plan, we let you focus on your day-to-day tasks with full knowledge that your SME Package insurance policy will protect your business against the risks you face on a daily basis.

Let us know the needs of your business, we will use this information to provide a bespoke quotation at a competitive premium from our panel of industry leading insurers.

What does SME Package Insurance typically include?

SME Package Insurance policies can be built to include sections of cover based on your business needs.

Typically they offer protection for property and liability risks. However other optional elements can be included such as cyber cover. A SME Package Insurance policy should provide a firm foundation to meet your small business’s insurance needs.

Amongst other elements they might provide::

• Professional indemnity
• Public Liability
Employers Liability
• Owned and/or hired plant
• Buildings, Office & Yard Cover
• Stock & Equipment Cover

We will be happy to assist new ventures without previous trading or insurance experience to obtain suitable cover at an affordable premium.

What allied trades can you cover on an SME Package Insurance?
Client Risk Management Documents

Having the right business insurance in place with correct up to date document templates and guides can help you minimise the risk and liabilities that can take a huge hit on your companies’ profits.

We offer our clients personalised Health and Safety documents, Risk Assessments, Method Statements and much more for your business. These additional documents are supplied to you at no extra cost when you take out a policy with Plan.

Our package now includes business continuity templates that are updated annually which you can use as guidance and to track your business operations. With this, you will also receive regular notifications regarding legislation changes that are relevant to your business.

Can my SME Package Insurance cover my business in case it is the victim of theft by an employee?

Employee theft cover is referred to by insurers as fidelity guarantee. It can range from the stealing money or goods, to charging less to a friend or family member for items being purchased than their actual value. It can also include Employee fraud and embezzlement. Employee theft cover can be arranged as part of a commercial insurance package policy.

Can my SME Package Insurance cover for cash in transit and money at premises be provided?

Cash in transit insurance can be arranged to cover you for losses or damages incurred whilst physically moving money. If you hold money inside a safe at your business premises, then a cash-in-safe policy will protect you against any loss or damage to the money that is being kept in the safe at the insured business location. A lower limit of cover will usually be available for money not stored in a safe.

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