Key features

Our Business Choice product offers a dynamic and competitive way to trade commercial combined cases online, with flexible options so you can design the cover your customers need.

  • Quick decision capability available via Extranet – we'll let you know in seconds whether to proceed based on the trade and postcode
  • Over 2,000 acceptable trades, plus a free format business description option
  • Maximum turnover £5m
  • Suitable for up to 3 locations
  • Maximum combined material damage and business interruption sum insured of £8m
  • Alarm requirements defined at quotation stage
  • Accidental damage as standard
  • Automatic 15% uplift to buildings, contents and gross profit/gross revenue sum insured
  • Automatic seasonal increase of 25%
  • Premiums from £250 net of commission and IPT


  • Optional subsidence cover
  • USA cover available for certain trades
  • Work away cover up to £250,000 wage roll including heat*

*Limit of indemnity for public and product liability is restricted to £2,000,000 if heat work away &/or USA/Canada is selected.

Policy documents



Covers at a glance

Standard cover Maximum limits

Property damage

£5,000,000 per location including contents, stock and buildings

Equipment (including computer breakdown)


Optional covers

Optional cover Maximum limits

Business Interruption

£3,000,000 across all locations

Increase in cost of working option


Public and products liability


Employers liability


Goods in transit
Own vehicles

£50,000 per vehicle
£50,000 consignment limit

Money and personal assault

£10,000 safe/transit

Specified all risks

£50,000/£5,000 any one item


Up to sums insured

Theft by employee


Personal accident

£50,000 capital benefit

Legal expenses

£100,000 any one claim
£1,000,000 any one period of insurance

FAQs about our Business Choice Insurance

Here are some common questions we see from brokers. If you can't find what you're looking for here, please get in touch.

Through which platforms can I trade Business Choice

Extranet Acturis PowerPlace SSP Applied






Can I amend my client's renewal date?

eTrade policies are set to run for 12 months, and therefore the end term dates can't be amended.

Register for Connect Extranet

Key reasons to register:

  • Ability to quote and buy
  • Instant access to policy documentation
  • Full management and adjustment of existing policies
  • Simple steps to flex-commissions

Get in touch today

Our dedicated Underwriting team are on hand to answer any questions you have and provide a fast response to referrals, so let us know how we can help.