Commercial Insurance Solutions
Protecting your business from every angle
Running a business comes with a range of risks - from property damage and operational interruptions to cyber threats and leadership liabilities.
T&G Insurance Brokers provides comprehensive commercial insurance solutions designed to protect your assets, employees, and reputation.
Our brokers work closely with business owners across transport, logistics, construction, and commercial sectors to tailor coverage that aligns with operational needs, industry standards, and budget considerations.
We keep your business moving.
Right cover, right advice, right & support.
Contractors insurance solutions
Property Insurance
Protecting your business premises and assets
Your business property is one of your most valuable assets. Property insurance provides protection for buildings, contents, and equipment against loss or damage from events such as fire, theft, storms, or accidental damage. T&G brokers can tailor coverage to your operations, ensuring both your physical premises and operational assets are secure.
- Buildings and premises
- Fixtures, fittings, and equipment
- Stock and inventory
- Accidental damage and natural disasters
Damage to property can halt operations, cause financial loss, and impact client trust. Comprehensive property insurance gives peace of mind that your business can recover quickly.
Industrial Special Risks (ISR) Insurance
Tailored protection for high-value assets and complex risks
ISR insurance policies provide enhanced protection for businesses with complex or high-value operations, including machinery, specialised equipment, and property critical to daily operations. It’s designed for businesses with higher risk exposure where standard property insurance may be insufficient
- Buildings, plant, and equipment
- Stock, raw materials, and finished goods
- Business interruption due to property damage
- Accidental damage, natural disasters, and fire
For transport operators, civil contractors, and logistics businesses, unexpected losses can be costly. ISR insurance ensures your high-value or mission-critical assets are fully covered, minimising operational disruption.
Business Interruption Insurance
Protecting your cash flow after an incident
Unexpected events like equipment breakdown, property damage, or supply chain disruption can halt operations.
- Loss of income following a covered event
- Extra expenses to maintain operations
- Payroll and ongoing fixed costs
- Optional coverage for project delays and contract penalties
Maintaining cash flow during downtime is critical. T&G insurance brokers can help design business interruption cover that allows our business to continue operating while managing unexpected financial impacts.
Business Packages
Simplified, flexible insurance for your business
Small and medium businesses often require multiple layers of cover - property, liability, and equipment in one simple package.
- Property and contents
- Public and professional liability
- Business interruption
- Optional extensions such as cyber and management liability
Talking up a business pack policy can help streamline your insurance administration, reduce gaps in cover, and secure competitive pricing, all while providing tailored advice for industry-specific exposures.
Protecting your business leadership
Protecting your business leadership
Directors, executives, and business owners face personal exposure to legal claims, employment disputes, and regulatory penalties. Management liability insurance safeguards your leadership team and the organisation from financial loss, reputational damage, and operational disruption.
- Directors & Officers liability
- Employment practices liability
- Statutory liability
- Legal defence costs
Lawsuits and regulatory actions can impact both personal and business finances. T&G brokers can help you structure a tailored management liability policy that protect decision-makers and support business continuity.
Cyber Insurance
Safeguarding your business against malicious digital activity
In today’s digital landscape, businesses face risks from data breaches, ransomware attacks, and network interruptions. Cyber insurance helps mitigate financial loss, supports reputational damage through data breach response planning, and regulatory penalties resulting from cyber incidents.
- Data breach response and notification costs
- Network and system damage
- Cybercrime losses (fraud, ransomware)
- Business interruption due to IT failure
Cyber threats are increasing and can affect any business, from owner-drivers with fleet management systems to large logistics operators. T&G brokers provide policies tailored to your IT infrastructure and business exposure.
Need advice? Talk to our team of transport brokers
Why choose T&G Insurance Brokers
Your business is unique, and your insurance should reflect that. With decades of experience across transport and commercial insurance, T&G Insurance Brokers takes the time to understand how you operate, then provides practical, expert advice that protects your operations, vehicles, and people — so you can focus on driving your business forward.
When it comes to claims, we've got your back. Our dedicated team works to achieve fast, fair resolutions, guiding you every step of the way and advocating on your behalf.
Through strong industry partnerships, we deliver competitive insurance solutions tailored to your needs. No one-size-fits-all policies. Just smart, customised cover that fits your business perfectly.
Flexible Payment Solutions with Premium Funding
Insurance premiums can be a significant business expense, and paying them in a single lump sum isn't always practical. T&G offers a range of accredited premium funding options that help you manage cash flow without compromising on cover.
Why use premium funding?
- Spread your insurance payments over time
- Keep cash available for day-to-day operations
- Flexible terms to suit your business
Why use an insurance broker?
Insurance can be a complex process, navigating through the various products, covers available, exclusions and confusing terminology. Having an experienced insurance broker on your side means you have a qualified professional who acts on your behalf, not for the insurer, ensuring your specific needs are assessed and you get the insurance program that works for you.
