Tailored SME business insurance
We understand that running a business takes time. With tailored insights and support, Capurro Insurance is By Your Side making sure you have the protection you need so that you can concentrate in growing.
At Capurro Insurance, we understand that no two businesses are alike. That is why our SME solutions are fully adaptable, giving you protection that aligns with your size and sector.
Packaged Combined Policies bring together key covers such as Property, Business Interruption and Liability under one policy, reducing complexity, avoiding gaps and delivering value through a single, easy-to-manage solution.
Whether you are an independent retailer, a growing professional firm, or a service-based company, our team works with local and London markets to design cover that reflects your real exposures, so you can focus on running your business, while we protect what matters most.
Packaged Combined Policies for SMEs
A packaged combined policy brings together multiple covers such as property, liability and business interruption, all under one convenient policy.
It is designed for small and medium-sized businesses seeking comprehensive protection in a single solution, ensuring simplicity, continuity and cost-effective cover tailored to their operations.
Restaurants, Cafés & Hospitality
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Single or multi-site restaurants, bar, cafes, catering services.
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Property Damage – Covers the building, kitchen, and dining areas against fire, flood, or accidental damage.
Equipment Breakdown – Protects refrigeration, cooking, and electrical units from sudden mechanical failure.
Deterioration of Stock – Covers spoiled food or perishables due to power or fridge failure.
Public & Product Liability – Covers injury or illness to customers and damage arising from food or service.
Business Interruption – Compensates for lost income if your business closes after an insured event.
Employers’ Liability – Covers staff injury or illness while at work.
Retail Shops & Boutiques
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Designed for small and medium-sized businesses operating from physical premises or selling goods directly to the public.
It is ideal for:
Independent shops, boutiques, and local retailers
Fashion, jewellery, and accessories stores
Pharmacies, convenience shops, and minimarkets
Homeware, electronics, and furniture outlets
E-commerce businesses with storage or retail space
Mixed-use premises combining online and in-store sales
Whether you run a single shop or manage several locations, we tailor your cover to protect your stock, premises, and people.
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Property Damage – Covers your stock, contents, and fixtures against fire, flood, theft, and accidental damage.
Business Interruption – Protects your income if your shop must close temporarily after an insured event.
Public Liability – Covers claims from customers or visitors injured or whose property is damaged on your premises.
Employers’ Liability – Covering workplace injuries or illness.
Glass & Signage – Covers accidental or malicious damage to display windows and external signage.
All Risks / Portable Equipment – Protects POS devices, laptops, and other tools used outside the premises.
Offices & Professional Services
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Designed for small and medium-sized businesses that operate from office premises and provide professional or administrative services.
It is ideal for:
Accountants, auditors, and consultants
Architects, engineers, and design firms
Solicitors and legal practices
Recruitment, HR, and payroll companies
Marketing, advertising, and PR agencies
IT, tech support, and software firms
Corporate service providers and trust administrators
Whether you occupy a single office or multiple sites, the policy offers comprehensive protection for your contents, computers, liabilities, and business continuity — helping you stay focused on clients while we handle the risks.
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Property Damage – Protects office contents, computers, and furnishings against insured perils.
Public Liability – Covers third-party injury or property damage occurring at your office or client site.
Employers’ Liability – Protection for employee injury or illness. claims.
Business Interruption – Safeguards your revenue following disruption from fire, flood, or other insured loss.
All Risks / Portable Equipment – Insures laptops and business equipment used offsite or while travelling.
Professional and Financial Risks
If your business provides professional, advice, consultancy, or management services, you face unique financial exposures that standard SME packages may not fully address.
With access to Lloyd’s of London and the broader London insurance market, we can source comprehensive coverage from leading insurers. This enables us to provide tailored solutions that address even the most complex risks. Whether you require protection for professional liability, cyber threats, or other specialised areas, our extensive market reach allows us to secure the most competitive terms and coverages to meet your business needs.
We’re here to help.
Disclaimer:
The information contained herein is provided for general informational purposes only. All insurance policies are subject to the specific terms, conditions, exclusions and endorsements set out in the individual insurer’s policy documentation. Coverage may vary depending on the insurer and the nature of the risk presented. We strongly recommend that you review the full policy wording.