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SMEs & Sole Traders

We understand that time is money and Alcumus Insurance Services offers small businesses and sole traders the option to ‘Quote and Buy’ online.

If you already know what type of insurance your business needs, you can simply get a quote and buy online today. 

As you’d expect, you will need to outline the details of your business, the type of work you do and any previous claims, as this can impact your premium.

Once completed, all that’s needed next is to decide the level of cover you need.  It’s quick and easy to complete, and you’ll be given three levels of cover choices at the end.

What types of business do we cover?

At Alcumus Insurance Services, we focus on what really matters to our customers. High quality cover, with a range of options to suit your business needs and access to a dedicated team of insurance professionals who are on hand to help.

Why choose Alcumus Insurance Services?

You may be financially liable for the result of accidents caused by you or your company either on-site or elsewhere. Public liability claims can be very expensive, which could have a major impact on you or your business.

When you take out builders’ construction insurance with us, you can choose public liability cover of £1 million, £2 million or £5 million to protect you against claims

As well as giving you peace of mind to get on with your job, many companies and trade associations require evidence of public liability insurance.

You also get £1,000 of 24-hour tools insurance with your builders’ public liability insurance if you choose Classic or Plus level. This cover is effective anywhere in the UK and includes overnight theft from your van. If necessary, you can extend tools insurance up to £15,000. Plus, you have the option to pay in monthly instalments or via Direct Debit.


Buy online or over the phone in minutes

Rapid Cover

Access via our brokers to major and specialist markets


Over 70 recognised trades covered

Quality Cover

Backed by Zurich Ltd, a major insurer that pays 99% of claims


Over 40 years in the insurance industry

Total Support

Expert UK telephone Support

Insurance Products