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Business Cover Wording

Full Details of what is covered and what is excluded within our Mutual Cover are contained in our Business Cover Wording, and summarised in our Business Cover Summary, which can be accessed using the links below

Business Cover Wording

Incepted before 01.11.2025

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Incepted on or after 01.11.2025

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Business Cover Summary

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Property Owners Cover

Full Details of what is covered and what is excluded within our Mutual Cover are contained in our Property Owners Cover Wording, and summarised in our Property Owners Cover Summary, which can be accessed using the links below

Property Owners Cover Wording

Incepted before 01.11.2025

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Incepted on or after 01.11.2025

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Commercial Liability & Legal Protection

ARAG Commercial Property Owners

Incepted before 01.11.2025

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Incepted on or after 01.11.2025

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ARAG Essential Business Legal Insurance

Incepted before 01.11.2025

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Incepted on or after 01.11.2025

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Irwell Combined Liability Policy Wording

Incepted before 01.06.2025

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Incepted on or after 01.06.2025

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Non Standard Cover

Copies of all Policy Documents relating to our Non-Standard Trades Cover are available from our Customer Services Team who can be contacted Here

Non-Standard Cover

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Carefully crafted cover, designed to suit your needs

Opening times

Customer Service and General Enquiries

Customer Service - 0333 2121 006
9:00am to 5:00pm, Monday - Friday
Closed Weekends and Bank Holidays

Claims Team

Claims - 0333 2121 008
9.00am to 5.30pm, Monday - Thursday
9.00am to 5.00pm, Friday
Out of hours - 01424 850 333

Special Offer
Business Cover Offer Stamp

Take out business cover with us and receive a £20 gift card*

Call us now on 0333 2121 280 quoting ONLINE20 for an immediate business cover quote

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