Commercial Insurance

Tailored Commercial Insurance solutions for businesses of all sizes across the Midlands — from sole traders to large companies.

Seeking a bespoke quotation for your business insurance? Contact Us

Protecting Your Business with the Right Cover

At P F Spare Insurance Brokers, we understand that every business is different. That’s why we provide tailored Commercial Insurance solutions designed to protect your assets, employees, and reputation. Whether you’re a sole trader, SME, or large company, we’ll help you find the right cover at the right price.

Types of Commercial Insurance We Offer

We focus on the most popular and essential types of business insurance — the covers UK businesses search for most often and rely on every day:

  • Public Liability Insurance – The most common type of business insurance, protecting against claims from customers, suppliers or visitors for injury or property damage.
  • Employers’ Liability Insurance – A legal requirement if you employ staff, covering compensation and legal costs for workplace injuries or illness.
  • Professional Indemnity Insurance – Essential for consultants, contractors and service providers giving advice or expertise.
  • Property Owners Insurance – Cover for your buildings and contents against loss or damage.
  • Business Interruption Insurance – Protects your income if your business is unable to trade due to an insured event.
  • Fleet and Commercial Vehicle Insurance – Flexible cover for business vehicles, from a single van to a large fleet.
  • Directors’ and Officers’ Insurance – Protects company directors and officers against claims of mismanagement.
  • Cyber Liability Insurance – Cover against data breaches, cyber‑attacks and online risks.
  • Tradesman’s Liability Insurance – Tailored cover for self‑employed tradespeople and contractors.
  • Shop, Office and Surgery Insurance – Specialist packages for retailers, offices and medical practices.
  • Motor Trade Insurance – Specialist packages for car dealers, garages and motor mechanics.

Why Choose P F Spare Insurance Brokers?

We’ve been supporting businesses across Derbyshire, Leicestershire, Staffordshire, and Warwickshire for decades. Our team takes the time to understand your needs and compare policies from leading insurers. With us, you’ll benefit from:

  • Independent, expert advice
  • Personal service — no call centres
  • Competitive premiums tailored to your business
  • Support when you need it most

Get a Commercial Insurance Quote

Protect your business today with a policy designed around your needs. Contact us to speak to our friendly team for expert advice and a free, no‑obligation quote.