Specialist & Niche Insurance for Businesses & Individuals | SRS Insurance
Specialist & Niche Insurance for Businesses & Individuals | SRS Insurance
Explore tailored insurance solutions from SRS for every sector — from digital, creative, and property to care, agriculture, and high net worth.
Education & Institution Insurance
Comprehensive cover for schools, nurseries, and tutoring businesses.
- Private School Insurance: Staff, pupil injury, and reputational cover.
- Nursery & Childcare Insurance: CQC-compliant safeguarding and legal protection.
- Tutoring & Coaching Insurance: Liability for professional advice and tuition.
- International Student Cover: Health and travel cover for overseas students.
Legal & Risk Management Insurance
Specialist protection for law firms, trustees, and litigation funders.
- After-the-Event (ATE) Insurance: Covers costs if a legal case is lost.
- Before-the-Event Legal Cover: Protection for tax, employment, and contract disputes.
- Disbursement Funding Protection: Ensures legal cost recovery for complex claims.
- Trustee Indemnity Insurance: Protects trustees of charities and schools.
International & Expat Insurance
Worldwide protection for individuals and businesses operating across borders.
- International Health Insurance: Private medical cover for expats.
- Expat Home Insurance: Protects UK homes owned by non-residents.
- Marine Cargo & Freight Insurance: Safeguards goods in global transit.
- Overseas Travel & Business Insurance: Covers employees and exhibitions abroad.
- Private Client Global Asset Cover: One policy for homes, cars, yachts, and art across countries.
Finance & Credit Insurance
Safeguard cash flow and financial commitments.
- Trade Credit Insurance: Protects against client insolvency or non-payment.
- Surety & Performance Bonds: Guarantees work completion for contractors.
- Loan Protection Insurance: Covers commercial loans in case of death or disability.
Property & Landlord Insurance
Comprehensive cover for property owners and investors.
- Landlord Insurance: Buildings, rent loss, and liability protection.
- Rent Guarantee Insurance: Covers tenant default and legal eviction costs.
- Block of Flats Insurance: One policy for entire buildings or freeholds.
- HMO Insurance: Specialist cover for multi-tenant properties.
- Holiday Let & Airbnb Insurance: Tailored for short-term or serviced accommodation.
- Listed Building Insurance: Protects heritage structures with complex rebuild needs.
- Tenants’ Liability Insurance: Covers accidental damage by tenants.
- Legal Indemnity Insurance: For title defects and legal risks in property transactions.
- Property Portfolio Insurance: Multi-property cover with one renewal date.
- Development Insurance: Renovation and new-build protection.
Building & Development Insurance
Protection for construction, development, and property projects.
- Party Wall Insurance: Covers accidental damage to neighbours’ properties.
- Contractual Liability Insurance: Protects against bespoke contract exclusions.
- JCT Clause 6.5.1 Insurance: Covers non-negligent damage to surrounding property.
- Completion Bond Insurance: Ensures project completion for lenders or housing schemes.
Trades & Construction Insurance
For contractors, tradespeople, and site-based workers.
- Contractors’ All Risks Insurance: Covers site works, materials, and liability.
- Roofers, Scaffolders & Demolition Insurance: Tailored for high-risk trades.
- Self-Build Insurance: Protects personal home builds.
- Latent Defects / Structural Warranty: Covers post-build structural issues.
- Non-Negligence Insurance: Covers damage to neighbouring properties during construction.
Business & Professional Insurance
Flexible protection for every business type.
- Public Liability Insurance: Covers injury or property damage to the public.
- Employers’ Liability Insurance: Legally required for businesses with staff.
- Professional Indemnity Insurance: Covers claims for professional errors or advice.
- Office & Surgery Insurance: Protects your workplace and its contents.
- Cyber Insurance: Covers data breaches, cybercrime, and recovery.
- Directors & Officers (D&O) Insurance: Protects against management liability claims.
- Key Person Insurance: Financial cover if a key employee dies or becomes incapacitated.
- Shareholder Protection: Funds buyouts after death or serious illness.
- Fleet Insurance: One policy for multiple business vehicles.
Care, Community & Charity Insurance
Dedicated to organisations that care for people and communities.
- Domiciliary Care Insurance: CQC-compliant home care protection.
- Supported Living Insurance: Covers supported housing and Ofsted-regulated homes.
- Charity Insurance: Protects trustees, volunteers, and events.
- Hospice & Care Home Insurance: Property and liability cover for residential care.
- Faith Group Insurance: For places of worship and community outreach.
High Net Worth & Specialist Cover
Premium protection for valuable assets and lifestyles.
- High Value Home Insurance: Broad cover for luxury homes, art, and collections.
- Classic Car Insurance: Agreed value for collectors and enthusiasts.
- Marine & Yacht Insurance: Vessels, crew, and third-party liability.
- Private Jet & Aviation Insurance: Aircraft, crew, and passenger protection.
- Aesthetics Clinic Insurance: Treatment risk and malpractice cover.
- Event Insurance: Public liability and cancellation protection for events.
- Goods in Transit / Haulage Insurance: Protects transported goods against damage or loss.
Multi-Policy Bundles
Combine essential covers into one simple policy and save on premiums.
- Tradesperson Bundle: Public Liability, Tools, Personal Accident, Van.
- Landlord Bundle: Buildings, Rent Guarantee, and Legal Cover.
- High Net Worth Bundle: Home, Valuables, Motor, Travel, and Cyber.
- Business Protection Bundle: Key Person, Shareholder, and Group Life.
- Care Sector Bundle: Liability, Medical Malpractice, and Property.
Care, Community & Charity Insurance
Dedicated to organisations that care for people and communities.
- Domiciliary Care Insurance: CQC-compliant home care protection.
- Supported Living Insurance: Covers supported housing and Ofsted-regulated homes.
- Charity Insurance: Protects trustees, volunteers, and events.
- Hospice & Care Home Insurance: Property and liability cover for residential care.
- Faith Group Insurance: For places of worship and community outreach.
Why Choose SRS Insurance?
- Independent UK broker with specialist market access
- Tailored cover across over 40 niche industries
- Dedicated support for claims, renewals, and compliance
- Personal service from our Yorkshire-based team
- Competitive premiums with leading UK insurers
Get a Quote Today
Protect your business, property, or profession with SRS Specialist Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Solicitors’ Professional Indemnity Insurance (PII) | SRS Insurance
Solicitors’ Professional Indemnity Insurance (PII) | SRS Insurance
Stay compliant with SRA regulations. SRS provides Solicitors’ Professional Indemnity Insurance covering negligence, missed deadlines, and client claims.
Is It a Legal Requirement?
Yes.
Every practising solicitor, law firm, and LLP must hold SRA-compliant PII in order to:
- Remain authorised by the SRA
- Provide legal advice or handle client money
- Operate as a sole practitioner, partnership, or incorporated firm
Without valid PII, solicitors cannot lawfully practise or renew their practising certificate.
What Does Solicitors’ PII Cover?
A professional indemnity policy typically includes:
- Negligent legal advice or representation
- Errors in contracts or legal documentation
- Missed court deadlines or key dates
- Breach of confidentiality
- Loss or damage of client documents
- Defamation and employee dishonesty
Policies also cover legal defence costs — even if you’re not found liable.
SRA Cover Requirements
To comply with SRA regulations, your policy must:
- Provide a minimum limit of £2 million for partnerships or traditional firms
- Provide a minimum limit of £3 million for incorporated entities (LLPs or Ltd companies)
- Be issued by an SRA-approved participating insurer
- Include run-off cover for at least 6 years if the firm closes
Run-Off Cover Explained
If a solicitor or firm ceases trading, run-off cover ensures protection for claims made after closure relating to past work.
The SRA requires:
- 6 years’ continuous run-off cover
- Payment upfront (typically 2–3x the annual premium)
Failure to maintain run-off cover can result in SRA disciplinary action and personal liability for partners or directors.
How Much Does Solicitors’ PII Cost?
Premiums vary based on:
- Firm size and structure
- Annual turnover and number of partners
- Practice areas (e.g. conveyancing and commercial law carry higher risk)
- Claims history and internal risk management
Example price guide:
- Small general practice: £2,000–£5,000 per year
- Larger or higher-risk firms: £10,000+ per year
SRS Insurance partners with leading SRA-approved insurers to provide competitive terms and guidance tailored to your firm.
Why Choose SRS Insurance?
- Specialists in Solicitors’ Professional Indemnity Insurance
- Access to a wide panel of SRA-approved participating insurers
- Expert advice on renewals, mergers, and run-off arrangements
- Support for start-ups and new sole practitioners
- Fast, compliant documentation and renewal service
Get a Quote Today
Stay compliant, protected, and confident with SRS Solicitors’ Professional Indemnity Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Public Liability Insurance for Businesses & Tradespeople | SRS Insurance
Public Liability Insurance for Businesses & Tradespeople | SRS Insurance
Protect your business against injury or property damage claims with SRS Public Liability Insurance. Affordable cover for tradespeople, retailers, and contractors.
Who Needs Public Liability Insurance?
Any business or self-employed person that deals with the public should have public liability insurance. This includes:
- Tradespeople – plumbers, electricians, builders, decorators
- Retailers and shop owners
- Cafés, salons, and barbers
- Event companies and organisers
- Contractors working on-site or in clients’ homes
- Landlords with communal or shared areas
- Home-based businesses that have clients visiting their premises
If your work involves public interaction or site visits, this cover is essential.
What Does Public Liability Insurance Cover?
A public liability policy typically includes:
- Injury to third parties – e.g. a customer slips on a wet floor
- Damage to third-party property – e.g. a decorator spills paint on a client’s carpet
- Legal fees and compensation payments
- Accidental damage caused during work activities
Cover limits usually range from £1 million to £10 million, depending on your industry, contracts, and risk exposure.
What Isn’t Covered
Public Liability Insurance does not cover:
- Injuries to your own employees – this requires Employers’ Liability Insurance
- Damage to your own property, tools, or stock
- Professional advice or design errors – covered by Professional Indemnity Insurance
- Deliberate acts, fraud, or gross negligence
How Much Does Public Liability Insurance Cost?
The cost of cover depends on:
- Type of business and level of risk
- Annual turnover and staff numbers
- Claims history and experience
- Limit of indemnity required
Example guide:
- Sole-trader handyman: from £150–£300 per year
- Large events company: several hundred pounds annually
SRS Insurance compares leading UK insurers to find affordable, tailored protection for your business.
Why Choose SRS Insurance?
- Independent UK broker with expertise in commercial and trade insurance
- Access to a wide panel of specialist liability insurers
- Fast quotes, instant documents, and straightforward claims support
- Cover designed for businesses of all sizes
- Personal service from our team of experienced advisers
Get a Quote Today
Protect your business from unexpected claims with SRS Public Liability Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Commercial Property & Landlord Insurance | SRS Insurance
Commercial Property & Landlord Insurance | SRS Insurance
Protect your commercial property or portfolio with SRS Insurance. Tailored cover for shops, offices, warehouses, and mixed-use buildings across the UK.
What Types of Properties Are Covered?
SRS Insurance offers flexible policies that can cover:
- Shops and retail units
- Offices and consultancy spaces
- Industrial units and warehouses
- Restaurants, cafés, pubs, and takeaways
- Mixed-use premises (commercial + residential)
- Vacant or unoccupied buildings
- Entire property portfolios under one master policy
What Does Commercial Property Insurance Cover?
A standard SRS policy can include:
- Buildings Insurance
Covers the structure, fixtures, and fittings of your building against insured events like fire, flood, or storm damage. - Landlord Contents
Optional cover for furnishings or equipment within the property. - Loss of Rent
Protects your income if tenants can’t occupy the property following a claim (e.g. fire or flood). - Public Liability
Covers injury or damage to third parties on your premises. - Employers’ Liability
Required if staff, contractors, or caretakers work on-site. - Legal Expenses
Helps with disputes such as tenant claims, evictions, or contract issues. - Terrorism Cover (Optional)
Often required by lenders or commercial mortgage providers.
Example Scenarios Covered
- Fire damages a tenant’s retail unit — landlord claims for repairs and lost rent
- Storm causes roof damage to a warehouse
- Vandalism at an unoccupied property
- Legal dispute with a commercial tenant over lease obligations
How Much Does It Cost?
Premiums depend on:
- Property location, type, and rebuild cost
- Tenant business type (e.g. takeaways or nightclubs = higher risk)
- Occupancy status (let vs. unoccupied)
- Claims history
- Number and value of properties
Typical guide:
- Single property: from £250 per year
- Portfolios (2+ properties): discounted multi-property rates
SRS Insurance can combine all your properties into one easy-to-manage policy — saving you both time and money.
Portfolio Policies – Simple & Cost-Effective
Managing multiple properties? A portfolio policy offers:
- One renewal date for all properties
- Consolidated premium and documents
- Competitive multi-property discounts
- Flexibility to add or remove properties mid-term
Whether you own commercial units, offices, or residential lets, SRS makes it simple to protect your entire portfolio under one umbrella.
Why Choose SRS Insurance?
- Specialists in landlord and commercial property insurance
- Access to top UK insurers and bespoke underwriting
- Tailored cover for mixed-use, vacant, and multi-let premises
- Dedicated claims and renewal support
- Expert advice from a Yorkshire-based brokerage you can trust
Get a Quote Today
Protect your property investments with SRS Commercial Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.