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Protect your business with commercial insurance

Specialist commercial insurance solutions to help you understand, manage and transfer the risks your business faces

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A proactive approach to commercial insurance

Operating a business comes with a wide range of evolving and interconnected risks, any one of which could disrupt your operations, affect your customers or threaten the stability of your organisation. Yet too many businesses manage insurance reactively, leaving gaps in cover, underinsurance risks and no clear plan for when something goes wrong. 

NFP helps you take a proactive approach to commercial insurance, working with you to understand your business, uncover your risks and design cover around the realities of how you operate.

Commercial insurance only works when it is built around your business

Whether you are a family-run business, a growing SME or a larger organisation with more complex exposures, the risks you face are changing all the time. From property and liability risks to cyber threats, fleet exposure, business interruption and sector-specific obligations, staying properly protected takes specialist knowledge and a clear understanding of how your business operates.

We take the time to understand your business before recommending cover. By reviewing your operations, assets, people, contracts and sector pressures, we help you identify where your current insurance arrangements may not reflect your real exposures. The result is a commercial insurance programme designed around your needs, with the appropriate level of cover, competitive pricing and practical support if you ever need to make a claim.

Key stats:


250+ specialists

in our business risk management team, focused on improving your total cost of risk


3.5% of total revenue:

The typical total cost of risk for UK organisations (Source: Aon's Risk and People Risk Quantitative Research)


80% of UK SMEs

are thought to be underinsured and unnecessarily exposed to risk (Source: Insurance Business Mag)

Your organisation is only as strong as the people within it

Whether you're looking to develop the next generation of leaders, equip your managers with the skills to get the best out of their teams, or build resilience and communication skills across your wider workforce, the need for specialist development has never been greater. Yet too many organisations either underinvest in their people or take a generic, one-size-fits-all approach that fails to deliver lasting change. Without targeted, outcome-driven development, skill gaps widen, engagement drops and your ability to navigate change is compromised. 

Your organisation, your people and your culture are unique, so your development should be no different. We take the time to understand your specific challenges and design tailored programmes that shift mindsets, change behaviours and deliver measurable outcomes. With the support of our highly experienced people development specialists, what may appear insurmountable can become a stepping stone to your organisation's success.

Understand and quantify your risk Every business has a unique risk profile. We start by

Understand and quantify your risk

Every business has a unique risk profile. We start by getting to know your operation, your sector, your people, your assets and your exposures. This means we can design solutions that address your specific risks, not generic ones.

Protect your business with the right cover Because we're not tied to any one insurer, we work

Protect your business with the right cover

Because we're not tied to any one insurer, we work across the market to help you access competitive, comprehensive commercial insurance tailored to your business, covering everything from property and liability to cyber, fleet and specialist sector risks.

Reduce complexity and save time Commercial insurance can quickly become fragmented, with

Reduce complexity and save time

Commercial insurance can quickly become fragmented, with different policies, renewal dates, insurers and exclusions to manage. We help simplify the process by bringing your insurance requirements together in a more structured and practical way.

Support you when it matters most If the worst happens, our dedicated claims advocacy team works

Support you when it matters most

If the worst happens, our dedicated claims advocacy team works directly your insurer to support you towards a timely and fair resolution, managing the process so you can focus on getting your business back on track.

Why specialist commercial insurance support matters

Insuring a modern business can be complex. From property and people to supply chains, vehicles, liabilities and specialist contractual obligations, there are multiple areas where poor alignment between risk and cover can expose your business financially and operationally.

Without specialist support, you could face:

  • Gaps in your cover that you aren't aware of until it's too late
  • Paying for more insurance than you need or not enough where it counts
  • Assets, liabilities, vehicles or services insured for the wrong value 
  • A time-consuming and stressful claims process 
  • Reputational and operational damage that affects your ability to continue trading 
  • Increased premiums due to poor claims history or unsuitable insurance arrangements 

With NFP as your partner, we help you:

  • Understand and quantify the specific risks your business faces
  • Secure competitive, comprehensive insurance tailored to your sector and operation
  • Help to ensure your insurance programme is suitable for your business
  • Identify gaps, duplication or underinsurance in your current arrangements Access practical claims support when you need it 
  • Receive ongoing recommendations to help keep your business protected in the future 

Explore our specialist commercial insurance solutions

We provide specialist commercial insurance solutions across a wide range of products and sectors, helping businesses of all sizes access informed guidance, competitive cover and insurance programmes tailored to their needs.

The landscape of business risk is getting more complex every day, and staying one step ahead of industry changes is a full-time job. Our dedicated commercial insurance teams are here to understand your business, uncover your risks and work alongside you to design an insurance programme that is designed to ensure you are properly protected, with competitive pricing, the right level of cover and claims support should you ever need it.

Insurance products include:

  • Business interruption 

  • Commercial buildings and contents

  • Commercial combined

  • Cyber insurance

  • Employers' liability insurance

  • Environmental impairment liability

  • Motor fleet insurance

  • Management liability

  • Product liability

  • Professional indemnity

  • Public liability

We provide specialist cover across a wide range of sectors, including:

  • Transportation and logistics

  • Waste management

  • Construction

  • Food and drink

  • Hospitality and leisure

  • Manufacturing

  • Motor trade

  • Professional services

  • Real estate

  • Retail and wholesale

  • Science and technology

  • Bloodstock and equine

  • Golf courses

  • Heritage

  • Fabricators and metalworkers

A commercial insurance partner that works alongside you

Our role is not just to place cover. We work to understand your business, uncover your risks and help protect your people, assets and operations from the unexpected. With access to a wide range of insurers and established standing with providers, we can help you explore insurance options that are aligned to your business and built around the risks you actually face.

With so much uncertainty in the UK economy, running a business is challenging - running it successfully is even harder. Every day there are new challenges and risks arising, any one of which could potentially disrupt your operation. Having a strong commercial insurance partner has never been more important.

Nick Hatch
Managing Director, Commercial Insurance

Speak to an adviser

Talk to our commercial insurance specialists

Share your insurance requirements, sector-specific risks and operational challenges. We'll connect you with the right NFP specialists to review your current arrangements, identify gaps and design a commercial insurance solution that protects your business, your assets and your continuity.

Complete the form and a specialist will be in touch to discuss next steps.