Commercial Business

Our extensive knowledge and experience in this sector means that we understand the key risks your business is exposed to every day and can therefore build a solution specific to your business.

Our package policies provide cover for your liability, property and assets. Cover is also available for your equipment and tools, business interruption, goods in transit, engineering plant and machinery, together with engineering breakdown and inspection.

Motor Trade

There are 2 types of cover available; road risks only or combined. The level of cover can, of course, vary depending upon the requirements of your business, whether it be sales or mechanical/body repairs.

Road risks cover only does what it says on the tin; it covers the vehicles owned by you as well as your customers vehicles or sale stock.

The combined package offers roads risks cover as well as customers vehicles or sale stock, contents, stock, employers and public/service liability, business interruption, money and buildings cover.

Commercial Motor Fleet

Whether your business has two vehicles or a fleet of a hundred plus vehicles we can provide a policy tailored to your business needs. There are several types of fleet policies available including named drivers only and any driver policies. You also do not need to deal with any amendments to the policy whether it being adding or deleting a vehicle or changes in cover, just let us know what needs to be done and we will do the rest.

Beyond Insurance Solutions also prides itself on getting heavily involved in motor claims regardless of fault. We understand how stressful and time consuming claims can be which is why we deal with claims from start to finish, leaving you the time to focus on your company.

Professional Risks

This incorporates 3 different types of insurance.

Professional Indemnity insurance is designed for an individual or a company who provides professional advice or service for a fee, such as an accountant or Solicitor to name a few. It will protect the business against claims for errors or omissions and professional neglect made against both the principles and their employees.

Directors and Officers Liability insurance provides protection against liability for a wrongful act. Current legislation dictates that a director of a company or decision maker can be held personally liable for their actions.

Cyber insurance provides unique cover for all risks you face in today’s cyber-environment. Policies provide support when a cyber-crime has been committed, which include ransom attacks, data breaches, cyber hacks and payment demands. All companies are given advice and support on restoring systems, recovering any lost data and investigations as well as any legal costs and fees incurred to third parties.


Construction companies require several types of insurance cover to safeguard them against various risks.

Employers and public liability cover protects you against injury on site as well as damage to other peoples property. Theft of plant and equipment from the construction is common, all the more reason to insure them! Cover for your own plant and hired in plant, that you are responsible for, is also readily available.

Property Owners Liability

We can provide tailored policies for any property type both commercial (offices, warehouses, shops, restaurants, etc) and residential (houses, block of flats, etc) including unoccupied.

Cover includes buildings and property owners liability, loss of rent and contents cover. Additional protection such as terrorism, malicious damage (including illegal activities) or legal expenses can also be included.


A package product available to hotels, pubs, restaurants as well as sports and social clubs. Full liability cover comes as standard, therefore there’s no need to worry about annual wage roll and turnover declarations. Key cover include buildings, contents, stock, business interruption, loss of money, glass and goods in transit.

Supported Living and Care Homes

Beyond Insurance Solutions specialise in this particular sector, so you can benefit from our extensive knowledge and expertise. We can provide a tailored policy for supported living providers, care homes, domiciliary care and care agencies. Cover can include property, liability (including abuse and medical malpractice), professional indemnity and directors and officers cover. If you need a quotation, please feel free to contact Gemma who is our expert in this field.