Premierline

Premierline, insurance broker for SMEs in the United Kingdom

Premierline is a British insurance broker focused on small and medium-sized businesses. Its team of specialists advises businesses from a wide range of sectors to find the cover suited to the risk of each activity and at the price that fits best. The firm presents itself as an option for arranging business insurance simply, whether online or with the support of an adviser.

The company states it has over twenty years of experience and claims to have the trust of thousands of SMEs in the United Kingdom. Its team of advisers is based in Lancaster.

Available insurance covers

The broker's catalogue covers the main types of cover that businesses usually take out, including:

• Commercial buildings insurance
• Business contents insurance
• Business interruption insurance
• Cyber and data insurance
• Directors and officers insurance
• Employers' liability insurance
• Key person insurance
• Legal protection insurance
• Marine cargo insurance
• Product liability insurance
• Professional indemnity insurance
• Public liability insurance

It also offers packaged products such as commercial combined insurance, office insurance, self-employed professionals insurance and small business insurance, among others.

Insurance by sector of activity

The company organises its offering by sector to adapt cover to the specific risks of each one. The areas it serves include:

• Building & Construction: builders, groundworkers, property developers, roofers and scaffolders.
• Care and Medical: acupuncture, audiology, care homes, counselling and therapists, dental practices, doctors' surgeries, holistic therapy, nurseries, opticians, pharmacies and surgery.
• Commercial and Industrial: builders' and timber merchants, engineering, food manufacturers, furniture manufacturers, manufacturing, printers, warehouses, wholesalers and breweries and distilleries.
• Property & Landlord: residential landlords, blocks of flats, student landlords and commercial landlords.
• Contractors & Trades: carpenters and joiners, carpet cleaners, cleaners, electricians, gardeners, handymen, heating engineers, locksmiths, painters and decorators, pest control, plumbers, property maintenance, window cleaners, car valeting and mechanics.
• Hair & Beauty: beauty therapists, hairdressers and barbers, mobile hairdressing, nail technicians and tanning salons.
• Food & Drink: cafés, catering, coffee shops, fish and chip shops, nightclubs, pubs, restaurants, takeaways, sandwich bars and wine bars.
• Hospitality & Leisure: community centres, fitness consultants, gyms, holiday parks, hotels, guesthouses and B&Bs, social clubs, sports clubs and village halls.
• Retail & Shopping: art galleries, bakeries, bridal shops, butchers, charity shops, clothes shops, convenience stores, cycle shops, delicatessens, dry cleaners, e-commerce, florists, furniture shops, garden centres, gift shops, grocers, showrooms, launderettes, newsagents, off licences, sweet shops, vape shops and car dealers.
• Professional Services: accountancy, architects, bookkeepers, business consultants, charities, driving schools, estate agents, letting agents, recruitment agencies, solicitors, taxi operators, travel agents and private teachers.
• Technology & Media: IT contractors, photographers and web development.
• Pet Businesses: dog breeders, veterinary practices, dog walkers, dog grooming and pet shops.

Insurers it works with

Premierline compares offers from leading insurers. Among the companies it mentions are Allianz, Aviva, Covéa, QBE, Hiscox, Intact Insurance and Zurich.

Customer support and additional services

The broker offers its customers the possibility of amending or renewing policies, as well as financing monthly payments. It also has a benefits programme called Premierline+ that includes business electricity and gas supply, a set of business tools and a Lifesearch offer. In addition, it has a refer a friend programme.

The website includes an insurance finder to guide users according to what they need, and a rebuild valuation tool.