Churchill Business Insurance Review

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What types of business insurance does Churchill offer?

Churchill provides various types of standard business insurance, such as:

Product liability insurance is provided, which covers any harm or destruction caused by a defective product that you have created, manufactured, or distributed. Additionally, it includes the expenses associated with replacing or repairing their possessions in case they are lost or damaged due to your business. Public liability insurance (up to £10 million) is also included: it provides coverage for compensation and legal expenses in the event that your business activities result in injury or death to a member of the public.

This insurance liability for employers (up to £10 million) provides financial compensation to both permanent and temporary employees in the event of injury, death, or illness caused by their work, and if they successfully file a claim. Additionally, it includes coverage for associated legal expenses. It is important to note that this insurance liability for the public is an optional add-on and is only available upon request.

If your business has provided bad services or advice and a client makes a successful claim against you, the cost of £5 million (covered by professional indemnity insurance) will be incurred.

If your belongings, like instruments or a portable computer, are stolen, misplaced or harmed, the policy includes the expense of substituting them, up to £10,000, with coverage for tools and business equipment.

If you are an employee in your business, or if you are named on the policy, you will receive a fixed sum of £50,000 if you die or become seriously injured or disabled due to an accident while working outside or inside. This benefit includes personal accident insurance.

Stock protection (up to £25,000): It assists in covering the expenses of replacing your merchandise if they are harmed or stolen.

In the event that the work on the site is harmed by fire, inundation, destruction, or robbery, the contract works insurance (up to £750,000) will reimburse for the repairs or reconstruction.

For plant that has been hired, the highest amount of money that can be received is £20,000 per item. This amount includes the expenses associated with fixing or substituting any plant that has been stolen or harmed. The plant cover applies to both your own plant and any plant that has been hired, with a maximum limit of £75,000.

Landlord insurance is available to cover damages to your rental belongings, including a £1.5 million Contents insurance coverage. It can also cover multiple properties, commercial properties, or residential properties for let-to-buy purposes, with coverage of up to £15 million for the mortar and bricks of the property.

If your van is destroyed or stolen, or if you are involved in an accident and incur the cost of damages, insurance Van helps cover the cost depending on the level of insurance you choose. This insurance also offers cover for using your van for work purposes, such as carrying tools or stock, in other locations.

Depending on the level of protection you require and the amount you are willing to pay, you have the option to purchase individual covers for these or create a package that includes additional features.

How to save money on Churchill business insurance

Some categories of Churchill’s commercial insurance encompass advantages that could potentially save money, or are at the very least an additional perk.

If you file a claim on van insurance as a result of an accident caused by a driver without insurance, for instance, it will exempt the additional amount. Please note that there are specific conditions and limitations, but Churchill currently provides a 15% discount on new and renewed landlord insurance policies, whether purchased online or through phone communication, at the moment of composing this sentence.

If the premiums offered are not less than a specified minimum, customers who purchase multiple types of insurance from Admiral, such as van insurance and landlord insurance, are also eligible for a 10% discount.

Some of the services included for employees’ assistance are medical and health support, counseling, and legal advice, available through a helpline phone. You have the option to pay in monthly installments, with interest charged, which allows you to save money by paying monthly instead of annually.

Review methodology

At NerdWallet Ltd UK, we assess the product, match it with individuals who utilize them, and comprehend which significant product attributes are significant according to the findings of surveys we carry out.

The review is our opinion and does not constitute a recommendation or suitability assessment of your financial circumstances. We strive to provide you with a review of as many products as possible, although there may be other reviews available that we have not reviewed. The information available at that time may have changed, but we aim to reflect the product details as accurately as possible.

You can check out our evaluation process here.

Churchill business insurance pros and cons

Pros

You can store and retrieve quotes, and handle your policy online with no charge for modifying your information.

There is an option of yearly or monthly payments.

Policy management is supported through phone assistance.

You can file a claim through the internet and by phone.

You can purchase products within a particular field, with additional options for common hazards.

Cons

Phone communication for policy management or quotes is not accessible after 6pm or during weekends.

These advantages and disadvantages, which were gathered in December 2022 by NerdWallet, are derived from a survey of British entrepreneurs regarding the factors they deemed significant while choosing various business commodities.

Churchill business insurance full review

Churchill is a UK-based insurer that has been offering cover since 1989. It is part of Group Line Direct and it provides insurance for various types of businesses, professionals, and small home pets, cars, and general insurance needs.

Discover more about Churchill business insurance, including key measures to prioritize owners’ business, through our NerdWallet survey.

Churchill business insurance key features

Telephone assistance for processing claims and managing policies.

Online platform to store quotations and oversee your policy.

Premiums on a monthly and yearly

Can you shop by profession with Churchill?

Churchill provides some packages grouped by profession, such as cleaners, Electricians., landlords and Consultants.. You don’t have to take this route, though. Most feature similar options of tools and equipment cover, public liability and van insurance, but not all of these will be relevant to your business.

It may be useful for you to find a straightforward route to get quotes and cover for various types of risks that professionals in your profession may face. For example, if you are a carpenter, you may need to find liability cover or cover for your van and tools.

A potential benefit of shopping through your trade is the ability to emphasize relevant additional options for the specific work you do, at an extra expense. For instance, it is feasible to expand the coverage of public liability insurance to encompass liability insurance for treatments provided by beauty businesses to their clients.

How to get Churchill business insurance

You will need to provide information about yourself and your business, so that you can get a quote for a business insurance policy with Churchill. You can do this by visiting their website or contacting them by phone.

Your full name and residential address

Your contact details.

Policy initiation date.

Your occupation or career.

In order to give consent, there will also be statements regarding County Court Judgments (CCJs) or prior bankruptcies. For instance, the altitude and profundity at which you operate, or the beauty therapies you provide, depending on your profession, you may also be requested to provide more detailed particulars.

After comparing the quote details with other providers, you can decide if it’s right for you and then apply for cover based on the quote.

If you save a quote, it will be available for 45 days or until the planned Policy initiation date..

Churchill business insurance features

In our NerdWallet survey, we have also taken into account the primary concern expressed by business owners. Here is additional information about the business insurance features offered by Churchill.

Professions and trades covered

Some individual pages on Churchill’s website can help you see the type of cover that’s relevant for the risks you face in your trades.

Builders.

Gardeners.

Carpenters.

Beauty therapists.

Hairdressers.

Consultants.

Plumbers.

Electricians.

If you are unsure whether certain types of insurance might be the most relevant profession in our NerdWallet survey, it is important to consider that convenience and potential expertise in the industry were certainly factors. However, it is worth noting that out of the 10 ranked industries, the insurance industry was only ranked seventh. Being able to shop for insurance in a quicker and easier process might make your profession more convenient and potentially more important.

It is important to focus on the specific risks that your own business faces, so that you can ensure adequate coverage. However, it is worth noting that not all businesses in the same sector will have the same needs.

If you need to insure your business, you can call Churchill and ask if they can provide a quote for a specific type of business cover. It doesn’t necessarily mean that the cover will be offered to you if your trade is not mentioned on Churchill’s website.

Payment options

The option to make monthly payments emerged as the second most significant aspect in our survey, while annual payment came in fourth place. This variety in payment plans proved crucial for numerous business owners. If you meet the requirements, you have the flexibility to either pay your business insurance premiums on an annual basis or in monthly installments.

Opting for monthly payments can streamline the budgeting process, although businesses should take into account the extra cost that comes with paying interest on them.

Online policy management

In our survey, the most crucial factor for wishlist owners in the business was the implementation of a web-based management policy. However, you may need to contact them or call customer services if you require any changes to your policy. Additionally, you can log in to an online account to retrieve and save quotes, renew and view business insurance policies, and add new policies.

Phone support

When you contact customer service to inquire about your coverage or receive a quote, you can do so during the weekdays from 9am to 6pm (excluding bank holidays). According to our survey, the majority of respondents consider the self-service online option to be of higher importance, ranking the ability to call customer service and make policy changes as eighth in importance.

Making a claim

Time limits are imposed on claims as certain claims opt for the faster telephone method to reach out to Churchill by mail. Additionally, it is feasible to initiate a van insurance claim every day of the year, around the clock, by telephone. Depending on the coverage type, you can discover various claims helplines either on the website or within your online account. The option to file a claim is available through both online means and by phone.

With Churchill, it is possible to understand that this could be beneficial. (And was the primary determining element), around 50% of entrepreneurs discovered the ability to file a claim through the internet significant in our study.

Customer reviews

Churchill has a Trustpilot score of 4.1 out of 5 stars, according to 9,750 reviews (as of 7 March 2023).

Keep in mind that these evaluations also encompass Churchill’s individual coverage, so they are not solely focused on commercial insurance.

Churchill business insurance: at a glance

Churchill offers a wide range of insurance options for self-employed workers and small businesses, including optional add-ons for specific professions along with coverage for stock, equipment, tools, protection, and liability.

You have the option to purchase business insurance and discover tailored coverage for various trades and professions through online or telephonic means. Churchill provides a dashboard for policy management and the convenience of obtaining quotes online, in addition to customer service assistance via phone.

Promotion

Churchill Business Insurance

Maximum Coverage Limits.

Public Responsibility: £10m | Employers Responsibility: £10m | Professional Compensation: £5m | Personal Injury Insurance: £10k | Business Equipment Protection: £10k.

Get Quote.

Proceed to obtain quotes from other providers and access this product through a partnership with Nerdwallet, which is available with Simply Business.

Discover further information on how we deliver our evaluation.

How to choose the right business insurance

In order to function, certain enterprises may require the aforementioned protection, however, there is a vast array of options to consider in terms of insurance categories. The hazards confronted by your business must be tackled by the selected business insurance policies or package.

By law, if you hire individuals in the UK who are not close relatives, it is necessary for you to possess employers’ liability insurance. Additionally, even if you employ family members and your business is registered as a limited company, you will still be required to have this specific insurance coverage.

Some professions, like solicitors and accountants, are required to have professional indemnity insurance by their governing body or regulator.

You might need to possess a particular amount of public liability insurance to perform certain tasks, such as government contracts.

If you use a vehicle for work purposes, such as commuting, you should consider commercial insurance or business insurance for your car, and you must have motor insurance.

If you are unsure of the types of coverage you need, an independent insurance broker can help you. They may also assist you in obtaining the minimum level of coverage required by trade bodies and memberships.

To quickly compare providers of business insurance, have a look at our latest compilation.

About the Author

Holly Bennett.

Holly is a staunch supporter of writing that is easy to understand and free from technical language. She has been creating financial material for leading organizations for over ten years.

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