SME Insurance

Over 90% of the UK’s 6 million businesses are classified as small. In our eyes, 100% of them are classed as unique. That’s why our dedicated Business Enterprise team provides a bespoke service to protect everything you’ve worked so hard to achieve.


We get to know you and your business

With more than 30 years’ experience, our clients include start-ups, sole traders, shops, offices, commercial properties, restaurants and takeaways, pubs, guest houses and small hotels. We get to know you and your business and our highly skilled team has the knowledge, expertise and dedication to assess your risks and find a policy that mitigates them. Allowing you to continue growing your business and making it even more successful.

We’ve developed excellent relationships with over 280 insurers, from AXA to Zurich, as well as exclusive niche insurers.  For many of these schemes we’re able to issue your documents at point of sale.

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Exceptional claims management when you need it most

Should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.


For independent advice or a quotation for your business

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Our SME cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents and liability), we can cover risks specific to your business, such as:

  • Sole traders
  • Shops
  • Offices
  • Commercial properties
  • Restaurants & takeaways
  • Pubs
  • Guest houses & small hotels
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