The sum insured
Is it enough to do the job, and not so large that you are insuring a lifestyle you do not have?
Cover, explained
Business Insurance
A small business rarely needs a thick corporate programme. It needs the right combination of property, stock, equipment, public liability, and, where the work justifies it, professional indemnity or business interruption. BFDLife starts with how you earn money: who visits your premises, what you make, what you store, and how many days you could afford to be closed.
- Property, stock, and portable equipment
- Public liability for customers and visitors
- Interruption cover linked to an insured event
- Contract works and tools for trades when the wording fits
Before you buy
Special points we want you to notice
We read leases and basic client contracts with you when they shift liability onto your firm. A beautiful shop front is not the same risk as a workshop that uses heat. Tell us about subcontractors, deliveries, and whether you sell online. Those details change both the price and the exclusions, which is exactly what you want to see before you rely on a certificate.
Nothing on this page starts a policy. Cover begins only on the date printed on a schedule, after you have accepted it and any first contribution has been paid. If a sentence here disagrees with that schedule, the schedule wins.
Good to know
What people check before they accept
The excess
Could you pay it next month without borrowing? A lower contribution is not a saving if the excess is fantasy.
The exclusions
Read them while nothing is wrong. Ask us to restate any sentence that still feels slippery.
The claims path
Know the mailbox, the photographs you would take, and who in the household can write to us.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.