Commercial Insurance

Running a business comes with enough challenges, unexpected losses shouldn’t be one of them. Protect your assets, income, staff and future against the risks that come with doing business by trusting us with your Commercial Insurance policy.

Reduce out-of-pocket expenses from lawsuits or loss
Protect physical and digital assets essential to your operations
Build trust with customers, suppliers, and employees

What Is Commercial
Insurance?

Commercial insurance is designed to protect your company against financial loss caused by events like fire, theft, legal claims, or equipment damage. Whether you run a small business or a growing enterprise, this cover ensures your business stays on its feet.

What We Cover

Property Damage – Covers buildings, contents, stock, and equipment against fire, flood, theft, and accidental damage

Business Interruption – Protects against income loss during downtime caused by insured events

Public Liability – Covers legal costs and damages if someone is injured or suffers loss due to your business activities

Theft & Vandalism – Protection against criminal activity targeting your assets

Electronic Equipment – Specialized cover for computers, POS systems, and other business tech

Goods in Transit – Cover for stock or materials damaged or lost while being transported

Common Mistakes Businesses Make

Underinsuring property or stock: We assess your actual replacement costs to ensure you’re properly covered, not just partially.
Skipping business interruption cover: We highlight how downtime can hurt profits, and offer solutions that keep income flowing.
Not reviewing policies annually: As your business grows or changes, so do your risks. We provide regular reviews to keep your policy relevant.
Choosing price over value: We focus on cost-effective coverage that actually works, not the cheapest quote that leaves you exposed.

Who Needs Commercial Insurance?

Retail stores, restaurants, and service businesses
Offices with valuable equipment and staff
Manufacturing and industrial operations
Logistics, construction, and transport companies
Any business with customers, stock, or property to protect

Need investment planning, medical or retirement help?

While First Step Insurance Brokers protects your vehicles, home, and business, our partner company FSLIFE offers a full range of long-term financial and personal protection services: