Businesses today face a unique set of risks - from property and liability to emerging threats such as cyber, supply chain disruption, and climate change. At Verlingue, we combine sector expertise with the strength of our insurer relationships to design insurance programmes that protect your business today while preparing you for tomorrow.
A strategic approach
Our role goes beyond arranging business insurance cover.
We act as your risk partner, working closely with you to understand your:
Operations
Supply chain dependencies
Growth strategy
This allows us to help you identify, mitigate, and manage risks, ensuring your insurance programme is efficient, robust and aligned with your broader business objectives.
Why Verlingue
We combine significant sector expertise with specialist insight, giving you access to advisers who truly understand the risks, challenges and insurance requirements of your industry. Our advisers specialise in supporting medium and large corporate clients with complex insurance and risk management requirements.
We also deliver:
Competitive terms and innovative programme structures tailored to your business.
Access to global insurance capacity, including specialist and complex risks through our London Market team.
Dedicated in-house claims specialists, focused on securing the best possible outcome when it matters most.
The service has been exceptional. The team is proactive and responsive, consistently keeping us informed of market developments. Whether supporting us through claims or helping us navigate change, they've been there every step of the way. It's a partnership that continues to strengthen and gives us real confidence in the future.
Insights
FAQs
Is business insurance legally required in the UK?
Yes, in most cases, businesses in the UK are legally required to have employers’ liability insurance if they employ staff. Other types of insurance may not be mandatory but are often essential for protecting your business against financial loss and contractual risks.
Can I review my cover without my existing broker finding out?
Yes, Verlingue can conduct a confidential review of your programme without speaking to insurance markets or your existing broker finding out. We would simply need access to your existing documentation and a discussion with you to understand your business fully to help us evaluate if your current programme covers the risks that you face in the most efficient and cost effective way. We can often conduct this review free of charge depending on the scope of the work.
What business insurance do I need?
The type of business insurance you need depends on factors such as your industry, size, operations, and risk profile.
Common covers include:
Employers’ liability insurance (legally required in the UK for most businesses)
Public and product liability insurance
Professional indemnity insurance
Property and business interruption insurance
Cyber and data protection insurance
At Verlingue, we assess your specific risks and design a tailored programme that fits your business.
How much does business insurance cost?
The cost of business insurance varies depending on:
The size and type of your business
Industry risks
Claims history
Level of cover required
Rather than a one-size-fits-all approach, we structure programmes to deliver value, efficiency, and appropriate protection.
Can business insurance be tailored to my industry?
Yes - and it should be.
Different sectors face very different risks, from regulatory challenges to operational exposures. We specialise in creating tailored insurance programmes that reflect the realities of your sector and business model.
What is included in a business insurance programme?
A business insurance programme typically combines multiple types of cover into a structured solution.
This may include:
Liability insurance
Property and asset protection
Financial lines (such as D&O or cyber)
Business interruption cover
We design programmes that integrate these elements effectively to avoid gaps and overlaps.
Why work with an insurance broker instead of buying directly?
Working with a broker like Verlingue gives you:
Access to a wider insurance market
Independent advice tailored to your business
Support in negotiating terms and claims
Strategic risk insight beyond insurance
Verlingue has significant sector expertise and truly understands the risks associated with those sectors. The value of working with a broker is access to multiple insurers, specialist advice and support throughout the insurance lifecycle. We act on your behalf to ensure your cover is both competitive and fit for purpose.
How often should I review my business insurance?
You should review your insurance programme at least annually, or whenever your business changes - such as growth, entering new markets, or operational shifts.
We proactively review your programme to ensure it continues to meet your needs.
What happens if I need to make a claim?
If you need to make a claim, our in-house claims specialists will support you throughout the process. We work closely with insurers to ensure claims are handled efficiently and that you receive the best possible outcome.