To understand how we look after your data, please visit our terms and conditions here: https://admiralbusiness.com/terms-and-conditions
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You can also view our privacy policy here: https://admiralbusiness.com/privacy-policy.

If you prefer to get things done over the phone, we have a team that can help to get you sorted and answer any questions. Call us on 020 3808 7099 where we can take you through sign-up and process your payment safely and securely.

We are dedicated to providing you with a high quality of service and we want to ensure that we maintain this at all times. If you feel that we have not offered you first-class service, please use the following email address and we will do our best to solve the problem: complaints@admiralbusiness.com.

If you would prefer, you can also notify us in writing, by posting a letter to:

Complaint Manager,
Able Insurance Services Limited,
Ty Admiral, David Street,
Cardiff,
United Kingdom,
CF10 2EH.
Tel: 020 3808 7099

If we’ve given you our final response but you’re still unhappy, or more than 8 weeks have passed since we received your original complaint, you can refer your complaint to the Financial Ombudsman Service (FOS).
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Here are their details:

The Financial Ombudsman
Service Exchange Tower
London
E14 9SR
 www.financial-ombudsman.org.uk

Tel: 0800 023 4 567
Or: 0300 123 9 123

Email: complaint.info@financialombudsman.org.uk

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If an incident takes place that could result in a claim or if you receive any claim or documentation, it’s important for you to let us know as soon as possible. You can notify us of a claim or incident by contacting us on 020 3808 8533.

Public Liability insurance protects businesses across a range of industries, against compensation claims and legal costs resulting from mishaps at work, such as personal injuries, loss of, or damage to property.

Public Liability can protect your business if a member of the public, such as a customer, claims that they have been injured or have had their property damaged because of your work. Our Public Liability insurance covers you when you’re on your premises and working off-site.

Public Liability insurance is for businesses that work in person with customers, on-site, or in public areas. In short, it’s for businesses that work in environments where there is the possibility that their work may injure a member of the public or damage their property.

This type of insurance is optional, but it's worth checking with your clients and potential clients whether they have any obligations for this cover. They may require you to have a certain level of cover so that you can work together.

Our Public Liability starts from £6.07* per month. Your quote is tailored to you and your needs, so the cost may change to reflect the risks you need to be covered against.

*£6.07 is the price for a Public Liability policy for a single carpenter with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025

Public Liability does not cover:

• Accidents that happen to you or that affect your employees.
• Damage to your own property, your employee's property, or possessions.

Incidents like these should be covered under your general business insurance policy and/or your employer's Liability insurance policy.

If you already have a policy with us, you can read more about your cover in your policy docs. Your policy documents will have been sent to you in the post or via email. If you would like another copy, please get in touch with our customer care team by filling out our support form or call the team on 020 3808 7099.

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Public Liability insurance covers claims made against your business if a member of the public, such as a customer, claims that they have been injured because of your work.

It does not cover personal injury claims from employees who have been injured on the job. These incidents can be covered by Employers Liability insurance.

Yes, we can! Our cover is assessed and provided based on our acceptance criteria. If you are interested, you can reach us on 020 3808 7099.

Employers Liability insurance protects your business against legal expenses and compensation costs, if someone you employ or have previously employed, becomes ill or injured as a result of the work they have completed for you.

Employers Liability insurance is a legal requirement for most businesses with 1 or more employees. Employees are defined as contractors, casual, permanent, temporary, full, or part-time staff. However, you may not need EL insurance if you only employ a family member, someone who is based abroad, or if your business is a public organisation or health service. It’s worth checking gov.uk to see how you measure up against these requirements.

If you're exempt, you can still opt to take Employers Liability cover. Those exempt sometimes choose to take EL cover, just in case there is an unexpected work-related injury or illness claim from one of their employees.

Our Employers Liability insurance covers the legal and compensation costs if an employee were to make a claim against you due to work-related illness or injury. The claims we cover include:

• Legal costs - If an employee files a claim against your business, it can help with the costs to defend and settle the claim.
• Compensations costs - If an employee makes a claim against you for medical costs or a loss of earnings through a work-related injury.

If you already have a policy with us, you can read more about your cover in your policy. Your policy documents will have been sent to you in the post or via email. If you would like another copy, get in touch with our customer care team by filling out our support form or call us on 020 3808 7099.

Employers Liability does not cover you for:

• Bodily injury to an employee whilst in, getting in/ out of a vehicle. - Incidents like these should be covered under your motor insurance policy.
• Bodily injury sustained by an overseas employee.
• Fines or penalties.

If you already have a policy with us, you can read more about your cover in your policy. Your policy documents will have been sent to you in the post or via email. If you would like another copy, get in touch with our customer care team by filling out our support form or call us on 020 3808 7099.

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We cover hand tools, power tools, machinery, equipment, consumables, a laptop or tablet, spare parts, or similar items owned by you for which you are responsible for and used by you or any employee in connection with your business.

We will pay to replace up to 1 laptop or tablet that is used for business purposes per insured event.

You’ll be covered up to the total sum insured for property damage caused by a road traffic accident, fire, theft, or attempted theft from either your specified vehicle or storage location.

Please note that if you make a claim for stolen tools, your total sum insured will decrease. If you wish to increase your cover level, please call us at 020 3808 7099 from 9:00 to 18:00, Monday to Friday (excluding bank holidays).

Don't let a lost drill or a stolen toolbox derail your business. Tools are your investment, and Tools Insurance keeps them covered, anywhere in the UK. Here's what you're protected against:

• Peace of mind, 24/7: We've got your back around the clock, even on the go. As long as your vehicle isn't left unattended for more than 24 hours, your tools are covered against theft, fire, and damage from road accidents, even if they're stored inside.
• Complete Coverage: We don't just cover tools. This policy also protects materials, stock, and even your business laptop or tablet in case of theft or damage caused by fire or a road accident.
• New for old: For ultimate peace of mind. Get full, non-depreciated value for your tools, with a one-day payout target after your claim is approved.

We don't cover the following:

• Money, credit or debit cards, stamps, tickets, vouchers, securities, or anything similar.
• Documents or business records (including those stored electronically).
• Computer hardware and components of a similar nature (other than 1 laptop or tablet covered in the policy) used in or in connection with a computer or other device. We will not cover any claim for loss of data stored on any storage device
• Satellite navigation equipment, games consoles, or televisions
• Mobile phones, electronic organisers, digital cameras, or other electronic devices which are designed for recording, storage, management, processing, use, display, playing, transmission, or communication of data, images, or sound.
  For more details on what we cover and what we don't cover please see our policy wording.

You can cancel your policy anytime, without any penalties and we'll refund any future months outstanding.

To cancel or change your details, log in to your customer account, select your Tool cover and click on 'Cancel Cover' or 'amend cover'. We will send you a confirmation of the changes via email or post.

Yes, but we would strongly recommend you check if your existing cover includes Tool's insurance. Some policies, such as Public Liability, already cover Tools.

Professional Indemnity Insurance (PII) is essential insurance protection for anyone who provides a service or advice. Regardless of how many years of experience, your firm may have, there is always the possibility you (or one of your team) could make a mistake.

Professional Indemnity Insurance protects you if a client or third-party claims against you because they think you have done something wrong. In many cases, you may not have done anything wrong, but you will require the policy to defend your business from expensive litigation instigated by a disgruntled client.

A retroactive date means that a Professional Indemnity policy is providing you with protection for your work carried out after that date. For example, if the policy has a retroactive date of the 1st of January 2015, you would be covered for claims made against you for your work carried out after 1st January 2015.

The limit of indemnity (LOI) is the amount of cover provided under the Professional Indemnity policy.

Calculating the right amount is not an exact science, but getting it right is especially important. Buy too much and you may waste money, but buy too little and you risk under-insuring, which could have disastrous consequences for your business.

Many organisations now insist that their Contractors carry their own Professional Indemnity Insurance. They will usually require evidence of insurance cover in the form of a policy document or a certificate.

For regulated professions such as Accountants, Chartered Surveyors, Architects, Solicitors, Financial Advisers, etc, PI is usually stipulated as a requirement of their professional bodies.

Goods in Transit insurance protects you against loss or damage, misdelivery and/or consequential Loss, and accidental delay for goods that you are carrying under a ‘Hire and Reward’ contract.

We will pay to repair or replace a handheld scanner used for business purposes up to the sub-limit value of £5,000 per insured event.

You’ll be covered up to the total sum insured for goods that have been stolen while under your control during the course of your business. You’ll also be covered for any damage to goods caused by fire, attempted theft, or as a result of misdelivery.

• The cost of the stolen goods based on the invoice price.
• The cost of repairing the property
• The cost to replace the damaged part of the property

• Money
• Live animals
• Precious metals and/or precious stones
• Cover outside of the Territorial limits
• Goods whilst stored at a rental, or under a contract for storage and distribution, or
• Held awaiting delivery instructions, or held for any other reason at the request of your Customer or any other party.
• Household, office, factory, or similar removals arranged or undertaken by you

For further information on what we do not cover please see our policy wording.

You can cancel your policy anytime, with no penalty, and we'll refund any future months. To cancel or change your details, log in to your customer account, select your cover and then click on 'cancel cover' or 'amend cover'. We will send you a confirmation of the changes via email or post.