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INSURANCE SERVICES
COMPARATIVE SME BUSINESS
INSURANCE BROCHURE
A vast range of services
for any industry
Since launching in 2010 Compare Warehouse has grown
to be one of the UK’s faster growing independent
insurance brokers.

ABOUT
Since launching in 2010 Compare Warehouse has grown to be one of the UK’s faster growing independent
insurance brokers. We have achieved this by not only saving clients money on their premiums but by also
striving to provide the best levels of cover.
WELCOME TO THE FUTURE OF BUSINESS INSURANCE
Compare Warehouse one of the UK’s faster growing independent
insurance brokers with a wide range of panel of insurers on board,
We have access to an extensive number of Insurers and a wide range
of products to meet all of your insurance needs including motor,
household, buy to let and business insurance.
We’re in the business of making sure sourcing insurance is a positive
experience. In everything we do, we aim to create a long-term
relationship
and add value wherever possible. In short, we never knowingly oversell
or undersell any product. Our aim is simply to provide the right amount
of cover so that all our clients can rest easy at night.
Our business continues to expand but we will always retain the personal
touch that sets us apart from the crowd. We endeavour to visit all our
clients personally to find out their exact insurance requirements and
tailor our services accordingly.

Our size, reputation and success in the market means we have access to a wide
range of providers and insurers, including specialist rates and schemes which
are exclusive to us.
We look forward to welcoming you as our newest insurance customers.
Mohammed Pasha

our
history

We are here to help you, and millions of
others, plan and build a secure financial
future.
Hello and welcome to Compare Warehouse one of the UK’s faster growing independent insurance brokers with a wide range of panel
of insurers on board, We have access to an extensive number of Insurers and a wide range of products to meet all of your insurance
needs including motor, household, buy to let and business insurance. Compare Warehouse Services was established in 2004 by Mohammed
Pasha with the goal of providing customers with easy access to competitive premiums and an all round great service, without compromising
on cover.
Over previous years we have honed our expertise in the servicing of
all types of personal and commercial insurance risks. We understand
that everybody needs insurance but the process of arranging the
correct cover at the right price can be time consuming, confusing and
at times very impersonal.
As a result we aspire to offer a local service to every customer with
the aim of doing all the work for you or your business so that you can
relax and get on with the more important things in life.

GREAT SERVICES
FANTASTIC BENEFITS THAT STAND OUT
We offer different solutions for different sectors. Our products have been developed to meet the needs of
today’s micro SMEs, allowing us to service our clients effectively and economically. Our portfolio caters for
everything from the self-employed working from home to packaged business, as well as stand-alone add on
products.
OUR INSURANCE FEATURES
* Access to the UK’s leading commercial insurers
* Comparative quotes by completing only one question set
* Standardised policy documentation per product,
delivered electronically
* Access to a dedicated UK-based Service Center
* High quality in-house underwriting support
OUR INSURANCE BENEFITS
* Access to our insurance panel and competitive premiums
* Fast and efficient service
* Support from empowered Underwriters and Account Executives
* Immediate documentation
* Like-for-like comparisons against a range of premiums and
insurers

Signing up with Compare Warehouse
enables you to scale the business
market faster, more efficiently and more
comprehensively. Compare Warehouse
provides you with access to a wide
range of insurers without the need to
obtain separate number of quotes, The
entrepreneurial edge of the business is
demonstrated through our external and
commercial IT and software offering, an
important component of our strategy
in building efficient business for a
successful and long term future.

BRILLIANT TEAM
& HIGH PROFILE UNDERWRITERS
We have partnered with the UK’s leading insurers which gives you access to the best known
brands as well as the specialist and niche insurers. We have been careful to bring together
a complementary panel of insurers to give you the right choice in terms of both cover and
price. With each insurer quoting against our common question sets and wordings you get
truly comparative set of quotes each time.
Our Partners Claims Process
All claims are monitored and supported by specialist team and you will be able to track the
progress and status of your clients’ claims through our quality Management information
facilities

WHAT IS
small business insurance?
* Public liability insurance (if a member of the public injures themselves, or makes a claim
against your business)
* Employers liability insurance (if a member of staff injures themselves, or makes a claim)
* Product liability insurance (if you’re a manufacturer and a customer makes a claim
against a faulty product
These policies cover things like the legal expenses involved in defending a lawsuit
and any compensation that is awarded to the claimant.Depending on your
type of business and business needs, you’ll probably be selecting different policies
to sit under your small business insurance, as each business will have different
needs and requirements
As with larger businesses, physical damages, lawsuits and liability can all affect a
small business, however, small businesses can continue to run if a claim is made
against them, by making sure you have adequate cover in place.

Why do I need insurance & what could it cover?
There’s a number of reasons you might want to consider it, whether you’re a one-man-band like a
mobile hair-dresser or beautician, or if you have a slightly bigger business with a few employees, like a
guesthouse or a pub/restaurant. It’s designed to cover you and your business against things like:
*If a mobile-hairdresser gives a client a chemical burn by accident, and the client takes out a
lawsuit against the hairdresser (public liability insurance)
*A waiter who works at a restaurant slipping on a wet floor where there was no sign, and as a
result breaking their wrist (employers liability insurance)
There are countless scenarios where you might want this cover, each being different depending
on the business you’re in, and each requiring a different level of cover.

Did you know? According to the Association of British
Insurers (ABI) in 2012, insurers awarded an average
of £7.0 million a day in liability claims of which, £2.7
million is employers’ liability.

Everything you will need in order to
Process a quote with us
As well as details about yourself (your name, DOB and contact details) and your business
(company/trading name and trading address) you will need:
*Details of your turnover and employee wage-roll
*Details of the value of you fixture and fittings details of level of cover needed
*Details of any previous claims
*Your renewal documents from your current insurer if you have one
If you need help getting a quote, you can call our experts on
0333 4432 406 (Mon-Fri: 9am - 5pm )

tradesmen
& contractor insurance
Aimed at either the sole trader or a business with up to 10 employees, we can tailor cover
to give our client the confidence they need when they’re out working, from Legal Liability
cover to cover for their Tools, Plant and Materials.
Our products can be extended to provide additional covers for your clients – these include:
* Temporary employees
* Tools cover – including ability to insure laptop computers and mobile devices
* Contract Works cover – choice of limits and can be extended to include own plant and
hired-in plant
* Personal Accident cover – covering allemployees. Optional cover limits available
* Optional Commercial Legal Expenses
Standard Cover
* Public Liability – with options of £1,000,000 £2,000,000 and £5,000,000 limits of indemnity
* Employers’ Liability where required

etailers
We provide cover for shops of all kinds and all sizes working in the retail sector. Whatever the business,
We can provide insurance that protects retailers for premises’ Contents, Business Interruption, Employers’
and Public Liability, Money and PA (Assault), Glass, Commercial Legal Expenses and Equipment
Breakdown. With options to include Buildings (with or without subsidence), Tenants’ Improvements and
Theft by Employees.
Our products can be extended to provide additional covers for your clients – these include:
* Contents & Business Interruption
* Money and PA (Assault)
* Glass
* Employers’ Liability £10,000,000
* Public and Products Liability £2,000,000
* Commercial Legal Expenses
* Equipment breakdown – including Deterioration of Stock cover
* Goods in Transit

STANDARD COVER
* Treatment Risk option available for
* Hairdressers and Beauticians
* Work Away from the main premises can be
insured
* Buildings and Subsidence cover options
* UK All Risks for Business Equipment option
* Tenants’ Improvements cover option
* Option to add Theft by Employee cover

STANDARD COVER
* Contents & Business Interruption
* Glass and Sanitary Ware
* Money and PA (Assault)
* Office Contents in Transit
* Employers’ Liability £10,000,000
* Public and Products Liability £2,000,000
* Commercial Legal Expenses
* Breakdown cover automatically included,
* comprehensive cover including Computer
Breakdown up to £100,000

Office
INSURANCE
We can tailor a policy that allows OUR client to run their office with complete confidence.
The product provides cover for offices of all kinds and includes Office Contents, Business
Interruption, Money, PA (Assault), Employers’ Liability, Public Liability, Commercial Legal
Expenses as well as Equipment Breakdown.
Our products can be extended to provide additional covers for your clients – these include:
* Buildings and Subsidence cover options
* UK All Risks for Business Equipment option
* Tenants’ Improvements cover option
* Option to add Theft by Employee cover

surgery
INSURANCE
You can tailor the policy to meet the specific needs of Surgeries, ranging from doctors to alternative
therapists. The policy automatically includes cover for Surgery Contents, Loss of Revenue, Legal Liabilities,
Money and PA (Assault), Glass, Employers’ Liability, Public Liability, Equipment Breakdown and
Commercial Legal Expenses.
Our products can be extended to provide additional covers for your clients – these include:
* Buildings and Subsidence cover options
* UK All Risks for Business Equipment option
* Tenants’ Improvements cover option
* Option to add Theft by Employee cover
* Option to add cover for Dispensing Errors
* Cover for Visiting Bags

STANDARD COVER
* Contents & Business Interruption Glass and
Sanitary Ware
* Money and PA (Assault)
* Surgery Contents in Transit
* Employers’ Liability £10,000,000
* Public and Products Liability £2,000,000
* Commercial Legal Expenses
* Engineering cover automatically included,
* comprehensive cover including Computer
Breakdown up to £100,000 and Deterioration of
Drugs and Vaccines

STANDARD COVER
* Property Owners’ Liability £2,000,000 –
option to increase Buildings
* Alternative Accommodation
* Commercial Legal Expenses – specialist
product

esidential
property owners insurance
We can provide Buildings insurance, Property Owners’ Liability and you can tailor the
policy by adding cover for Loss of Rent and Landlords’ Contents.
Our products can be extended to provide additional covers for your clients – these include:
* Option to purchase Subsidence cover
* Option to add Day 1 cover at a range of percentage uplifts
* Landlords’ Contents can be insured
* Tenants’ Improvements cover option
* Rent Protection and Repossession Costs cover available
* Employers’ Liability option
* Loss of Rental Income with selectable
* indemnity periods Contents in communal areas – various levels of cover available

commercial
property owners insurance
If OUR client owns ‘high street’ type premises which are let to commercial occupants (or a mixture of
residential and commercial occupants) then we can provide Buildings insurance, Property Owners’
Liability and you can tailor the policy by adding Loss of Rent, Landlords’ Contents and Legal Expenses
cover that can be extended to include Tenant Eviction and Rent Guarantee for residential lettings.
Our products can be extended to provide additional covers for your clients – these include:
* Option to purchase Subsidence cover
* Option to add Day 1 cover at a range of percentage uplifts
* Landlords’ Contents can be insured
* Tenants’ Improvements cover option
* Rent Protection and Repossession Costs cover available
* Employers’ Liability option
* Loss of Rental Income with selectable
* indemnity periods Contents in communal areas – various levels of cover available

STANDARD COVER
* Property Owners’ Liability £2,000,000 – option
to increase
* Buildings
* Commercial Legal Expenses – specialist product

SALON COVER
* Contents & Business Interruption
* Money and PA (Assault)
* Glass and Sanitary Ware
* Employers’ Liability £10,000,000
* Public and Products Liability including
standard treatments £2,000,000 Commercial
Legal Expenses
WITHOUT PREMISES
If OUR client works from home, from third party
premises or rents a chair in a salon.
The Standard Policy includes:
* Business Liability including Employers’
Liability where required
* Access to helplines

hair & beauty
Insurance
These products are designed for OUR hair and beauty clients, whether they are a local
hairdresser visiting their customers at home or the owner of a busy beauty salon. From
simple Hairdressers’ Liability to full cover for a salon including Buildings, Contents, Public
and Employers’ Liability and Treatment Risks, the FUSION product has all the options you
need.
Our products can be extended to provide additional covers for your clients – these include:
* Accidental Damage
* Extended Treatment Risks
* Work away from the main premises
* Theft by Employees
* Goods in Transit
* Business Equipment away from the premises
* Buildings (with or without subsidence
Without premises extras:
* Treatment Risks
* Business Equipment
* Personal Accident
* Full Legal Expenses

hospitality
restaurants, wine bars, pubs
A flexible policy tailored to meet the specific product features cover for “buildings needs of your clients
licensed restaurant loss of liquor, licence from the premises, theft by employees, public liability,
employers’ liability, money, pa (assault), and commercial legal expenses. business conducted away
Our products can be extended to provide additional covers for your clients – these include:
* Residential Accommodation – family personal
* possessions can be included Accidental Damage option
* Buildings cover and Subsidence options
* UK All Risks for Business Equipment option
* Tenants’ Improvements cover option
* Option to add Theft by Employee cover
* Loss of Licence option

STANDARD COVER
* Contents and Business Interruption Money and
PA (Assault)
* Goods in Transit Employers’ Liability
£10,000,000
* Public and Products Liability £2,000,000
* Commercial Legal Expenses
* Deterioration of Stock

STANDARD COVER
* Wrongful Acts: Breaches of duty or trust,
neglect, error, misstatement, misleading statements,
omission, negligent act or any other act
wrongfully committed Advancement of Defense
Costs
* Damages awarded against the director or officer
including exemplary damages for libel and
slander Company reimbursement
* Investigation Legal Fees and Expenses, covering
the company and the individuals Blanket
cover for any person deemed to be a director
or officer – past, present and future. Managerial/supervisory
staff included as insured persons
Pollution claim defense costs
* Outside directorship cover – £100,000 limit
* Indemnity limit up to a maximum £1,000,000

directors
& officers insurance
This policy provides protection for individuals in positions of responsibility from claims
made against them personally due to professional decisions, whether a director, officer,
manager or supervisor. Cover includes Advancement of Defense Costs and Investigation
Legal Fees and Expenses, and can be structured to include Employment Practice Liability
cover.
Profile of target companies
* Turnover of no more than £10,000,000
* No assets or turnover in North America
* UK registered with Private Limited status
* Have report and accounts showing a positive net worth

professional
indemnity insurance
This product provides essential financial protection for a wide range of your professional clients. Our
policy provides cover for liability that may arise from negligent advice that your client may offer or
services they may provide in a professional capacity causing a Financial loss.
Our products can be extended to provide additional covers for your clients – these include:
* Enhancement to ‘Any One Claim’ cover
* Cover for dishonesty of employees
* Libel and Slander cover
* Extended Legal Expenses cover

STANDARD COVER
* Professional Indemnity for an extensive range
of trades
* Indemnity limits ranging from £50,000 up to
£2,000,000
* Access to helplines

teachers
& tutor insurance
Designed specifically for OUR clients who provide extracurricular tuition, whether at their own home,
their student’s home or at a third party premises. This cover is for teachers and tutors providing instruction
from academic and professional tuition to music lessons. Your clients can protect themselves
against Public Liability as standard, and they can include other optional covers.
Our products can be extended to provide additional covers for your clients – these include:
* Cover for up to 10 employees
* Employers’ Liability for £10,000,000
* Business Equipment can be added with sum insured options up to £20,000
* Personal Accident cover – covering all employees. Optional cover limits available
* Optional Commercial Legal Expenses

STANDARD COVER
* Public Liability with options of £1,000,000,
£2,000,000 and £5,000,000 limits of liability

STANDARD COVER
* Material Damage on contents and stock
* Business Money including Personal Accident
(Assault) Glass
* Business Interruption
* Business Liability including Public and
* Employers’ Liability
* Commercial Legal Expenses

wholesalers
insurance
If OUR client trades from commercial premises, either as a traditional wholesaler or
providing internet fulfilment, the FUSION Wholesalers policy will meet their insurance
needs. A core of covers including Material Damage and Business Liabilities is provided
as standard and a range of additional covers are also available which will enable you to
create a policy that meets your client’s requirements.
Our products can be extended to provide additional covers for your clients – these include:
* Buildings
* Subsidence
* Tenants’ Improvements
* Accidental Damage
* Goods in Transit
* Accounts Receivable
* Loss of License
* UK/Worldwide All Risks cover on specified equipment

online traders
insurance
If OUR client is an eBay seller or operates an internet fulfillment business from home, We have a
solution to their needs. The cover can be tailored from a core of Public and Products Liability – with
options including Material Damage and Goods in Transit.
Our products can be extended to provide additional covers for your clients – these include:
* Employers’ Liability
* Cover for stock, fixtures and fittings (such as racking)
* Money cover – including cover for unused units in franking machines
* Goods in Transit
* Full Legal Expenses

STANDARD COVER
* Public and Products Liability
* Access to helplines

STANDARD COVER
* Public Liability – with options of £1,000,000,
£2,000,000 and £5,000,000 limits of indemnity
* Employers’ Liability where required
* Loss of Keys
* Losses from dishonesty
* Unauthorized use of telephones
* Damage to property whilst being worked on
* Access to helplines

cleaners
insurance
Aimed at either the sole trader or a business with up to 10 employees, we can tailor cover
to give your clients the confidence they need when they’re out working, from Legal Liability
cover (which includes cover for property actually being worked on) to cover for their
Cleaning Equipment and Stock of Cleaning Materials.
Our products can be extended to provide additional covers for your clients – these include:
* Inclusion of up to 10 employees – including part time staff
* Temporary employees can be included
* Injury to Working Partners
* Tools, Business Equipment and Cleaning Stock
* Optional Commercial Legal Expenses

truck / lorry
insurance
Just look at this product and see what you could gain. We offer instant quotes and point of sale
documentation for vehicles from 3.6 tonnes to 60 tonnes. We can also accommodate drivers aged 17 to
69
Our products can be extended to provide additional covers for your clients – these include:
* Lorries
* Trucks
* Flatbed lorries
* Box vans
* Tankers
* Tippers
* Vehicle transporters to name but a few!
* Instant documentation and certificates all online
* Hugely competitive premiums
* Statement of Fact, no proposal form required
* A choice of insurers

STANDARD COVER
* Low starting excess of £250
* Cover for both, carriage of own goods and
haulage use
* Free protected NCD automatically applied with
6+ years NCD on some contracts
* Green card cover available on referral
* Voluntary excess options

STANDARD COVER
* Up to 90 days EU foreign cover automatically
included
* Discounts available for voluntary excess
* Windscreen cover as standard for
comprehensive policies
* Protected NCB available if client has 4 or
more years
* Modification for wheelchair access
acceptable
* Concessionary discounts available via the
RAC – UK breakdown cover just £75.72

minibus
insurance
We will provide you with an instant quote with full point of sale documentation for your
Minibus business. Compare warehouse offers efficient service, competitive rates.
Our products can be extended to provide additional covers for your clients – these include:
* 9 to 17 seats
* Drivers age 25 to 70 years
* A choice of covers:
* Hire & Reward
* Business use
* Personal use
* Dedicated schemes available for Education, Charities, Nursing Homes

goods in transit
insurance
We will provide you with an instant quote and full point of sale documentation for your Goods in Transit
business. With Compare Warehouse you will get a professional service, competitive rates.
Our products can be extended to provide additional covers for your clients – these include:
* Carriage of own goods
* Tradesmen Goods and Tools in transit (Which can also include a 20% co-insurance clause for theft or
attempted theft from a vehicle outside of working hours, where the insurer will pay 80% of your loss/
damage)
* Freight liability
* Furniture Removers – domestic and commercial
* Marine Cargo
* Vehicle Transportation
* Trailer Cover Extension
* European cover available for Haulage and Freight
* Warehouse Keepers cover available (UKWA/RHA Conditions)

STANDARD COVER
* An economy product (excludes high theft risk
goods)
* Extension available to cover refrigerated goods
and livestock

STANDARD COVER
* Flexible Fleet cover from Policyfast covers
* Own goods - Minimum 3 vehicles
* Haulage - Minimum 5 vehicles
* Fleet rated and NCD rated risks
accommodated
* RAC Cover available at £48.00 per vehicle
– homestart, relay, onward transmission and
continental use.

fleet
insurance
Let compare warehouse quote for your fleet business we have excellent rates and a fast
turnaround fleet rated and NCD rated catered for.
Our products can be extended to provide additional covers for your clients – these include:
* Statement of fact transactions
* Up to 7 quotes from one source
* Quotes within 24 Hours
* Better client Service – Underwriting Flexibility - right quote and the right cover
* Access to 6 separate insurers
* Variable excesses
* Optional driver restrictions

courier
insurance
Compare Warehouse is the perfect home for your Courier insurance requirements. Reduce your
administration and provide an excellent service to your clients with our instant quotes, point of sale
documentation and vehicle registration lookup facility.Our Courier cover is uniquely available for
drivers between 25 and 75 years old!
Our products can be extended to provide additional covers for your clients – these include:
* Security and tracking devices
* Voluntary excesses

STANDARD COVER
* Cover available for
* Couriers
* Haulage contractors
* Furniture removers
* Vehicle values to £35,000 (£7,500 for third
party, fire & theft)
* Protected no claims bonus available (5+ Years)

commercial vehicle
insurance
We will provide you with an instant quote with full point of sale documentation for your
Commercial vehicle. Compare warehouse offers efficient service, competitive rates.
STANDARD COVER
* All driving options available – including: Insured and Named, Insured only, Insured
and Spouse and more...
* Protected No Claims Bonus
* Voluntary excess options offered
* Introductory discounts available
* In Car Electronics, Audio & Navigation Equipment etc. (up to £750)

usiness car
insurance
Compare Warehouse is the perfect home for your Business Car requirements. Reduce your administration
and provide an excellent service to our clients with instant quotes and point of sale documentation.
STANDARD COVER
* Class 2, Class 3 Business Use
* Limited company, Partnership or Sole Trader status
* Free Legal Assistance plan with uninsured loss recovery up to £50,000
* £1,000 Replacement Locks cover
* 24-hour Accident Recovery Service including free 48-hour replacement vehicle (up to
3.5T, depending on availability).
* Comprehensive policies include
* £5000 personal accident cover
* £200 medical expenses
* £150 personal effects cover

usiness
protection insurance
We believe that business protection is one of the best ways to safeguard the future of your
business. Whether you are looking for key person cover, shareholder protection, loan protection or
a relevant life policy, Compare Warehouse has the right solution for your business.
* Our Life Cover can be used to protect your business through our innovative solutions - Key Person
Cover, Shareholder or Partnership Cover and Loan Protection
* Award-winning Income Protection Cover that could start paying a regular income in as little as 7
days for sole traders
* A business partnership that offers you flexibility to manage your protection as your business
changes and the added benefit of discounts and rewards
Business Protection Insurance
* Life cover
* Key Person Cover
You can use Life Cover or Life Cover with Disability Cover for business to protect your business in
three ways
* Key Person Cover
* Shareholder or Partnership Protection
* Loan Protection

Suite 4A Fusion House, Queen Street, Neath, West Glamorgan SA11 1DL
0333 443 2406
theteam@comparewarehouse.co.uk
www.comparewarehouse.co.uk
INSURANCE SERVICES
COMPARATIVE SME BUSINESS
INSURANCE BROCHURE
Compare Warehouse Limited is Authorised and Regulated by the Financial Conduct Authority.
Registered Address: Suite 14A , Challenge House 616 Mitcham Road,Croyden CR0 3AA
Registered in England and Wales No: 08234447.