Support for businesses impacted by Covid-19

Business Insurance "Lite"

Almost every business in the entire country has been impacted by Covid-19 in some way, shape or form. Those hit hardest are businesses in the retail, hospitality, and leisure industries, many recovering from periods of being unable to trade and struggling due to cash flow challenges.

Having spoken to many businesses, we have helped develop a 'Lite' Business Insurance policy which aims to provide the core business insurance cover a business needs and at a massive 40% discount! 

As part of this Business Insurance 'Lite' approach, we also have a limited use, or no use laid up business motor insurance solution that truly recognises reductions in risk. We would be delighted to review your current arrangements and avail you of this motor 'Lite' insurance approach.

Most people in the UK will be looking more closely at their outgoings during this challenging period, and most businesses will be doing the same. If you are not able to trade as usual at the moment, you may have utilised government help schemes to help retain your staff and you might have taken some of your vehicles off the road. Whilst you might think there's no point in having business insurance right now and you could save a few pounds by cancelling your policies - we strongly advise that you don't go without insurance. We have some risk and insurance management solutions in place to help save you some money on your insurance expenditure. 

Bespoke Insurance Package

Bespoke commercial insurance package designed to minimise premium spend to help support businesses coping with changing commercial landscapes. This package provides a business insurance quote designed to provide the core cover to protect company assets and meet your legal obligations. 

  • 40% discount on insurer's standard policy price

Specialist Underwriting Expertise

Ensuring you have a high-quality insurer behind you is important to make sure that if you have to make a claim, you'll get a fast and fair settlement. We have developed an exclusive product provided by specialist underwriters of business insurance packages for the retail and hospitality and leisure sector.

Personalised Service

We want to make arranging your commercial insurance as hassle-free as possible. Our team of dedicated business insurance advisers will be flexible around your needs and give you quality advice on how best to manage and insure your risks. Every client is also looked after by a dedicated in-house claims advisor should you need to call upon your policy when something doesn't quite go to plan. 


Although lockdown is now over, we understand that the effects on businesses are ongoing. We have developed this business insurance package to help make sure that if government guidelines change, we can extend this policy to encompass additional layers of cover that you may require, including public liability insurance.

At the same time, if we are placed into lockdown again, we can easily reduce your covers back down to the core elements and provide you with a pro-rata premium refund to help your company cash flow. 

A&T's Risk Management Service - FREE

As a business owner and an employer, there are so many things to think about and it's sometimes hard to know where to start! We have developed an online Risk Management Service which is supported by a dedicated team of experts in various fields such as Health & Safety and HR.

There are some great tools available as part of this risk management service which is why it's something we normally charge for but in light of all the challenges businesses are facing right now, we wanted to help in any way we could so have decided to offer this out for free for the next 3 months.

We have recently added the Risk Management Hub as part of this service which will be able to help with things such as the furlough scheme, advice for managing home workers and even some wellbeing help for employees in isolation. 

Get a Business Insurance Lite Quote today!

Complete the form below and one of our expert advisers will be in touch as soon as possible to start saving you some money on your business insurance quote!


Want a quick quote?

We are here to help and can quickly provide you with an insurance solution designed to save you money. Speak to one of our expert advisers today - 01202 754938