Have you been refused business insurance?

At Thistle, we’re committed to finding insurance solutions for businesses that others typically say no to. If you don’t quite fit the model, there’s a good chance you will struggle to find insurance cover and that’s where we are here to help. Often, being refused cover is no reflection on you or your business and sometimes the reason you get declined can be something quite innocent.

We’re here to help if you’ve been declined because of:

  • Unusual occupation
  • Lack of trading history
  • Non-Standard Premises
  • Previous Claims history
  • CCJ / Bankruptcy history
  • High Risk Liability Exposures
  • And many more reasons…

Our experienced team will get to know you and your business, helping to find insurance cover that reflects your individual needs. We use a panel of insurers which means we have a broader range of insurance products available to us, helping those who have struggled to obtain quotations in the past.

We compare prices from a range of leading insurance providers

Property Damage
This covers unforeseen loss of or damage to an insured property by an insured peril, including but not limited to:
  • Fire, Riot, Storm, Flood, Escape of Water or Oil, Impact
  • Theft of Attempted Theft
  • Falling trees,
  • Accidental damage to fixed glass, neon signs and sanitary ware
  • Subsidence, ground heave or landslip

A limit of £10,000 applies in respect of accidental damage to fixed glass, neon signs and sanitary ware.

Business Interruption
This covers financial losses resulting from loss or damage to property by an insured peril for a specified period of time after the event.
Public Liability
Having public liability insurance in place keeps you covered if a customer or member of the public suffers a loss or injury because of your business.
Employers Liability
Employers’ liability is a compulsory cover required by law if you employ staff. This provides cover against legal liability for bodily injury to your employees, including the cost of expenses.
Goods In Transit
Covers goods whilst in transit in any vehicle owned or operated by you or any exhibition within the Territorial limits shown in the policy schedule.
Loss of Licence
Loss of gross profit or a reduction in the value of the premises as a result of the loss or a liquor licence.
Contractors All Risks
This covers physical loss or damage by an insured peril to buildings in course of erection and the materials, plant works and equipment associated with the construction.
Terrorism
Covers acts of terrorism in Great Britain, Northern Ireland, The Channel islands and / or Isle of Man only.
Legal Expenses
By having legal expenses cover, your recruitment agency will be provided with protection for a measure of legal costs and expenses arising from specified civil and criminal incidents in connection with your business.

About Thistle

At thistle, we specialise in providing insurance to support small businesses. We ensure the cover provided is suited to your business activities, leaving you to carry out your day-to-day business with peace of mind.

We offer a panel approach to our quotation service, giving you access to a range of insurers and delivering a fast and efficient service to you. Our documents are issued electronically by knowledgeable and helpful staff – with a wide range of covers available.