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Essential Business Insurance

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Contingency planning and crisis management
Disasters and serious incidents happen. Does your business have effective contingency plans in place to deal with them?

Flexible insurance cover that can be tailored for your business

As a business owner, you’ve got enough on your mind without worrying about the financial consequences of a break-in at your premises, or the income you’d lose if key equipment was damaged.

Essential Business Insurance (EBI) is arranged and underwritten by Allianz Insurance plc and has been developed specifically to help you protect your business against the cost of fire, theft, incidents and other unforeseen circumstances.

A wide range of cover, designed especially for businesses

Choose the insurance that suits you

Get an immediate quote

Get a quote

For an instant quote complete the online form for the following types of insurance: Tradesmen, Home Worker, Commercial Vehicle, Office,
Shop and Salon, Restaurants and Bars or Property Owners. To find out more information please call the Essential Business Insurance Centre direct on 0800 048 4362 (open 8am to 6pm Monday to Friday).

Features & Benefits of Essential Business Insurance

Essential Business Insurance can provide you with a range of benefits including:

liability insurance (public, employee and product),
buildings insurance,
contents insurance,
equipment insurance,
commercial vehicle insurance,
goods-in-transit insurance,
business interruption insurance.

Exclusions

EBI does not provide protection for those engaged in the following:

Roofing contractors: external cladding/roofing/guttering contractors, whether flat felt or wooden roof,
Entertainment and Events: events organisers, fairground rides, fashion exhibitions and pubs with entertainment more than twice a month,
Residential lets: asylum seekers, DSS and students, flats on short term lease and hostels,
Market traders, mobile shops and food vendors, pawn brokers, and jewelers,
Nursing Homes.

Please refer to the Policy Summary and Policy Document for full terms and conditions, including exclusions, claims and complaints.

Existing customers

Existing policy holders should call the following numbers:
Claims - 0844 893 9580
Policy administration & general enquiries – 0844 893 9560

More information about Essential Business Insurance

To find out more about the policies we have available click on the links below:

Tradesmen
Home Worker
Commercial Vehicle
Office
Shop and Salon
Restaurant and Bars
Property Owners
Professional Indemnity

Get a quote

Online

Get a quote online now

Tradesmen
Home Worker
Commercial Vehicle
Office
Shop and Salon
Restaurants and Bars
Property Owners

By Phone

Call the Essential Business Insurance Centre direct on
0800 048 4362 (open 8am
to 6pm Monday to Friday)

Lloyds TSB Commercial is a trading name of Lloyds TSB Bank plc and Lloyds TSB Scotland plc and serves customers with an annual turnover of up to £15m.
Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority under numbers 119278 and 191240 respectively.
Licensed under the Consumer Act 1974 under registration numbers 0004685 and 0198797 respectively.
We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Both companies are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes’ eligibility criteria not all Lloyds TSB Commercial customers will be covered by these schemes.)
Lloyds TSB Commercial Finance is a trading name of Lloyds TSB Commercial Finance Limited.
When using these products and services your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc act as agents for Lloyds TSB Insurance Services Limited, Registered office: 25 Gresham Street, London EC2V 7HN who act as introducers to Allianz Insurance plc for Essential Business Insurance, which is arranged, administered and underwritten by Allianz Insurance plc, Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Registered in England No 84638. Both companies are authorised and regulated by the Financial Services Authority. Lloyds TSB Insurance Services Limited is not part of the Allianz (UK) Group.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.