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Business policy is a multiple-line insurance policy

Sunny Bank Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

Business insurance accounts for about half of the U.S. property casualty insurance industry, and includes many insurance products known as "commercial lines.


Four major elements that we offer:

Several types of business insurance that small business owners might consider, including the following:

  • Professional liability insurance insures against negligence claims that result from mistakes or failure to perform.
  • Property insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm or theft.
  • Homeowner’s policies don’t cover home-based businesses like commercial property insurance covers businesses.
  • Vehicle Insurance: Any vehicles used for business should be fully insured

Setting the mood with incense

While businesses aren't legally required to carry general liability insurance, operating without it is extremely risky. If your business is sued, you could end up facing fees totaling hundreds of thousands of dollars (or more). Having a sufficient CGL policy in place to help compensate for these damages is the only way to prevent this type of event from devastating your business.

This is a special class of insurance that covers your loss of revenue/profits following damage to the properties covered under your policy. This policy cannot be taken as a stand-alone insurance and has to exist alongside a property insurance policy. Additional cover is available under the policy. This may include cover for standing charges that are incurred during the period of interruption. It may also include the increased cost of labour that may be incurred to revive business operation, such as rental of alternative premises and office equipment.

We offer a comprehensive range of Business Insurance products, delivered with a personal service, to protect your business. Our insurance policy options protect your assets, revenues and liabilities to bring you peace of mind. We cover Property Liability Marine and aviation Employee benefits Engineering Other.

Tom Cruise

This protects a company’s money, securities and assets from criminal activity that might not be covered under a generic property policy. The insurance provides coverage for acts such as employee dishonesty, forgery, embezzlement, fraud and electronic or computer fraud. Cover typically extends to money in transit and worldwide coverage, rather than just on the business property. We also offer other specialist insurance policies to cover the following areas; trade credit, haulers’ liability, freight forwarders’ liability, tour operators’ liability, stockbrokers’ liability, terrorism, builders’ risk, port operators’ liability and event cancellation.​