COMMERCIAL INSURANCE

Protecting your business with tailored insurance solutions.

Safeguarding your business with comprehensive commercial insurance

Running a business in Glasgow comes with its own unique set of challenges and risks. At Clyde Brokers, we understand the importance of protecting your livelihood. We offer a wide range of commercial insurance policies tailored to various business types, ensuring you have the right coverage to navigate potential risks with confidence. Whether you operate a shop, manage a hotel, run a care home, or lead a charitable organisation, we have a solution to meet your specific needs.

Shops & Offices Insurance

From bustling city centre shops to quiet suburban offices, we provide comprehensive cover for a variety of businesses. Our policies can include protection against:

  • Property damage (fire, flood, vandalism)

  • Business interruption

  • Contents and stock cover

  • Public and product liability

  • Employers' liability

  • Cybercrime and data breaches

Bars and Hotels Insurance

Glasgow's vibrant bar and hotel scene needs specialist insurance. We offer policies that cater to the unique risks of the hospitality industry, including:

  • Public liability (covering accidents and injuries on your premises)

  • Product liability (for incidents related to food and drink)

  • Employers' liability

  • Building and contents insurance

  • Loss of license coverage

  • Business interruption

Care Homes Insurance

Care homes have specific insurance requirements. Our policies are designed to protect both residents and your business:

  • Public liability

  • Employers' liability

  • Medical malpractice cover

  • Business interruption

  • Property damage

  • Abuse and molestation cover

  • Contents insurance

Charitable Organisations Insurance

Supporting Glasgow's Charities with Comprehensive Cover. We understand the unique needs of charitable organisations. Our policies can be tailored to include:

  • Public liability

  • Employers' liability

  • Trustee indemnity

  • Property damage and theft

  • Event cancellation

  • Professional indemnity (if advice or services are provided)

  • Contents insurance

Restaurants and Cafés

Supporting the hospitality industry with comprehensive cover. We understand the unique needs of different hospitality organistaions. Our policies can be tailored to include:

  • Public liability

  • Employers' liability

  • Trustee indemnity

  • Property damage and theft

  • Event cancellation

  • Professional indemnity (if advice or services are provided)

  • Contents insurance

Property Owners Insurance

Property owner’s insurance” is a general term that usually refers to insurance policies designed to protect property owners from financial losses related to their real estate. Here are the key types and components:

  • Homeowners Insurance (for personal residences): Covers: Dwelling, personal property, liability, and additional living expenses (like hotel stays if your home becomes uninhabitable). Common Perils Covered: Fire, theft, vandalism, storm damage, and more. Exclusions: Typically excludes floods, earthquakes, and intentional damage unless additional coverage is added.

  • Landlord Insurance (for rental properties): Covers: The structure, liability for tenant injuries, and loss of rental income. Optional Add-ons: Coverage for contents (like appliances you own), vandalism by tenants, or legal expenses.

  • Commercial Property Insurance (for business-owned properties): Covers: Buildings, equipment, inventory, and sometimes business interruption losses. Used by: Businesses that own or lease their property.

  • Vacant Property Insurance: Covers Properties that are unoccupied for an extended time (more than 30–60 days, depending on the insurer). Why It’s Important: Standard homeowners or landlord policies may not cover damage if the property is vacant too long.

  • Contents insurance

Religious Organisations

Supporting Religious Organisations with Comprehensive Cover. We understand the unique needs of Religious Organisations. Our policies can be tailored to include:

  • Public liability

  • Employers' liability

  • Trustee indemnity

  • Property damage and theft

  • Event cancellation

  • Professional indemnity (if advice or services are provided)

  • Contents insurance

Factory Insurance

Factory insurance is a specialised form of commercial insurance that protects manufacturing facilities and factories from a range of risks associated with production, property, and personnel. Here’s a breakdown of what it typically covers:

  • Property Damage Insurance: Covers the building, machinery, raw materials, finished goods, and other assets against damage from: Fire, Theft, Explosions, Natural disasters (earthquake, storm, etc., if added)

  • Machinery Breakdown Insurance: Covers the repair or replacement cost of machines damaged due to mechanical failure or electrical issues. Especially important for production-heavy factories.

  • Business Interruption Insurance: Compensates for loss of income if factory operations halt due to insured perils (like fire or flood). Helps pay fixed expenses and recover faster.

  • Liability Insurance: Covers third-party bodily injury or property damage occurring due to factory operations. Often includes product liability (if your factory manufactures products for sale).

  • Stock/Inventory Insurance: Protects raw materials, work-in-progress, and finished goods from loss or damage.

  • Employee Injury & Workmen Compensation: Covers medical expenses, lost wages, and compensation if employees are injured on the job. Mandatory in many jurisdictions, including Pakistan.

  • Fire & Allied Perils Insurance: Basic protection against fire, lightning, explosion, riot, strike, malicious damage, etc. Often forms the foundation of a factory insurance policy.

  • Contents insurance

Wholesalers

Wholesalers insurance is a type of business insurance policy specifically tailored to protect wholesale businesses against a range of risks related to their operations. Since wholesalers typically store, handle, and distribute goods in bulk, their insurance needs are unique. Key Coverages in Wholesalers Insurance:

  • General Liability Insurance: Protects against third-party bodily injury, property damage, and legal defence costs. Example: A vendor slips and falls at your warehouse.

  • Commercial Property Insurance: Covers damage to buildings, inventory, equipment, and supplies from fire, theft, storms, etc. Essential if you own or lease warehouse space.

  • Product Liability Insurance: Protects you if a product you distribute causes injury or damage. Important if you’re the link between the manufacturer and retailer.

  • Business Interruption Insurance: Covers loss of income if your operations are halted due to a covered event (e.g., fire). Helps pay for rent, payroll, and other expenses while recovering.

  • Inland Marine Insurance: Covers goods in transit or off-site (e.g., while being delivered or stored temporarily elsewhere). Important for wholesalers who frequently ship goods.

  • Workers’ Compensation Insurance: Required if you have employees. Covers medical costs and lost wages for work-related injuries.

  • Cyber Liability Insurance (optional but useful): Protects against data breaches or cyberattacks if you store sensitive customer/vendor information.

  • Contents insurance

  • – Aman Kohli. Kohli Travel, Glasgow

    I can’t say enough good things about working with Anoop Wallia from Clyde Brokers.

    As a travel agent, insurance can get a bit overwhelming, but he made everything super simple. He really took the time to understand my business and set me up with the right coverage — from liability, contents to building insurance. It's been such a relief knowing I’m covered if anything unexpected comes up.

    Super helpful, easy to talk to, and always quick to respond. Sorted out a claim for me in double quick time.

  • – Jay Singh. Regent Property, Glasgow

    I’ve worked with several insurance brokers over the years, but none have come close to the level of service and expertise I consistently receive from Clyde Brokers.

    Time after time, he has gone above and beyond to provide clear guidance, competitive quotes, and genuine care. His professionalism, responsiveness, and deep knowledge make him my go-to for all insurance needs.

    Highly recommended!

  • - Alistair Haydock. Haydock Music, Milngavie

    Clyde Brokers have been instrumental in securing the perfect bespoke insurance policies for my businesses over the past couple of years.

    The complexity of our requirements was carefully considered and addressed with meticulous attention to detail before any policies were purchased. This level of service is something I could never have achieved through an insurance company’s website or a comparison platform. The cost savings alone from using Clyde Brokers have been substantial.

    I cannot recommend them highly enough.

  • - Wanida Donaldson. Managing Director, Sakaeo Scotland Ltd, West End, Glasgow

    I would like to thank you for all your assistance and guidance in respect of our PL & Operating insurance cover.

    Having spent several weeks trawling through complicated policy options with price comparison sites we were astounded at how much money Clyde Brokers saved on our annual premiums. Low cost was not our concern. Value and cover was paramount. You took the time to explain the pro's and con's and guided us without pressure.

    We would have no hesitation in recommending your company to new start-up businesses and established companies looking for cover.

    5* from start to finish.

  • - JGM Wholesale, South Side, Glasgow

    We couldn’t be happier with the service provided by Clyde Brokers.

    From the very beginning, their team has been exceptional. They personally visited our premises, carried out a thorough assessment, and sat with us to ensure every detail of our insurance needs was covered. We didn’t have to lift a finger — they handled all the paperwork from start to finish. What truly sets Clyde Brokers apart is the way they supported us even during a difficult time. When a break-in occurred at JGM, their team stepped in immediately. They managed all the claims paperwork, guided us through every step, and ensured we were looked after without any stress or hassle on our end. Their professionalism, personal attention, and commitment to looking after their clients is unmatched.

    We highly recommend Clyde Brokers to any business looking for a reliable and hands-on insurance partner.

  • - Paradise Ltd, Shawlands, Glasgow

    We’ve been with Clyde Brokers for a few years now and can honestly say they’ve been fantastic to deal with.

    When we had a break-in three years ago, the process was smooth and stress-free thanks to their team. They handled all the paperwork and made sure everything was taken care of quickly. What we really appreciated was how involved they were from the start — they actually came out to our premises, sat down with us, and made sure we had the right cover in place. It’s rare to find that kind of personal service these days.

    Highly recommend Clyde Brokers — they genuinely look after their clients.

  • - Neeraj Salwan. Pharmacist & Director, Reach Pharmacy Group / Clara Ltd, Scotland

    I have had an outstanding experience working with Anoop Walia at Clyde Brokers.

    From the very beginning, Anoop was professional, approachable, and highly knowledgeable. He took the time to understand my needs and provided clear, tailored advice that made the entire insurance process simple and stress-free. His attention to detail and commitment to excellent service gave me complete peace of mind. I know if I need any advice regarding any insurance matters and dealing with an insurance claim all I need to do is contact Anoop and he will help sort it out and provide outstanding advice.

    I highly recommend Anoop and the team at Clyde Brokers to anyone looking for reliable and trustworthy insurance support.

  • - Mr Babubhai Patel. Hertfordshire

    I’ve been working with Anoop for 2 years and I’m extremely impressed with how they handled my recent insurance claim of water damage. From the moment I filed my claim, Anoop took control of the situation, making sure everything was processed smoothly and efficiently.

    I couldn’t be more satisfied with the service I’ve received. From the start, Anoop was not only professional and knowledgeable but also incredibly approachable, making the often-complicated process of selecting insurance policies much easier to navigate.

    What truly stood out to me was his attentiveness to my unique needs. Anoop took the time to listen to my concerns, explain my options in detail, and helped me in many circumstances. I felt like my best interests were always at the forefront of our conversations.

    Whenever I had questions or needed further clarification, Anoop was quick to respond, always providing clear and thorough explanations. His guidance really gave me peace of mind knowing I was making the best decisions for my business insurance needs.

COMMERCIAL INSURANCE FAQs

  • The cost of your insurance will depend on a number of factors, such as the type of business, its size, location, number of employees, and the level of cover you require. Contact us for a personalised quote.

  • Business interruption insurance helps cover lost income and expenses if your business is temporarily unable to operate due to an insured event (like a fire or flood).

  • In the UK, if you employ anyone, even on a part-time or temporary basis, you are legally required to have employers' liability insurance.

  • The level of public liability cover you need will depend on the nature of your business and the potential risks involved. We can help you determine the appropriate amount of cover.