Commercial Insurance
Business cover that fits how you actually work.
From a single shop to a fleet of vehicles, we arrange commercial insurance for businesses across Northern Ireland — with wide access across the market and advice from a team that's been doing this since 1980.
No obligation · Straightforward advice, no jargon
WHAT WE COVER
Public & Employers Liability
Essential if your business interacts with the public or employs staff.
Professional Indemnity
Protects advice-givers and professionals against claims of negligence or error.
A GOOD FIT FOR
Commercial insurance rarely works as one-size-fits-all
We take the time to understand what your business actually does before recommending cover — so you're not paying for protection you don't need, or missing something you do.
SMEs
General business insurance covering premises, stock, liability and equipment.
Self-employed tradesmen
Liability cover — often alongside income protection.
Limited companies
Commercial cover plus relevant life and business protection options.
Landlords with commercial units
Property owners' liability and commercial property cover.
Consultants & professionals
Professional indemnity cover for advice-based work.
Businesses holding customer data
Cyber insurance against data breaches and attacks.
Relevant Life Cover
For directors & employees
A tax-efficient way for limited companies to provide life cover for directors and employees.
SHAREHOLDER PROTECTION
Keeping control where it belongs
Ensures remaining shareholders can buy out a deceased or critically ill shareholder's stake.
KEYMAN COVER
Protecting your critical people
Covers the financial impact on the business of losing a key member of the team.
BEYOND INSURANCE
Protecting your business, not just your premises
What happens if you, a director, or a key member of staff can't work? Relevant Life Cover, Shareholder Protection and Keyman Insurance are all worth considering alongside your commercial policy.
Looking after your team
We also have access to Benenden Corporate Healthcare — a practical way for employers to support staff health and wellbeing.
Why Choose Kyle for Commercial Insurance
We are business owners ourselves
We know the pressure, the long hours, and the responsibility that comes with running a business — because we face it too.
We understand small business
Our clients are builders, traders, retailers, professionals — real people running real businesses just like yours.
Family business since 1980
Four decades of local knowledge, long-term relationships and advice you can genuinely depend on.
Joined up advice
Commercial insurance and business protection working together — one team, one plan, one point of contact.
FAQs
Do I need employers' liability insurance?
If you employ anyone — even part-time, casual staff or volunteers — employers' liability insurance is a legal requirement in the UK.
What's the difference between commercial combined and separate policies?
Commercial combined bundles multiple types of cover into a single policy, often simpler to manage and potentially more cost-effective than several separate policies.
I'm a sole trader — do I still need business insurance?
Yes — particularly public liability if you interact with clients or the public, and depending on your trade, tools or stock cover too.
Can you insure a business with multiple locations?
Yes — we regularly place cover for businesses with more than one site, including landlords with mixed commercial portfolios.
Do you only deal with small businesses?
Most of our commercial clients are SMEs, but we're happy to discuss cover for businesses of most sizes — get in touch and we'll let you know if we're the right fit.
Ready to talk about your business?
Whatever you run, we'll help you find the right cover — no obligation.