INSURANCE
At SM Finance Lounge, we understand that protecting your business and assets is just as important as growing them. That’s why we offer a wide range of insurance options tailored to your needs.
Business insurance
Protect your business from unexpected risks with cover that gives you peace of mind:
Professional Indemnity Insurance – protects against claims of negligence, errors or omissions.
Employers’ Liability Insurance – a legal requirement if you employ staff, covering workplace injury or illness.
Public and Products Liability Insurance – cover for third-party injury or property damage linked to your business.
Cyber Insurance – protection from data breaches, hacks and online threats.
Liability and Indemnity
Safeguard yourself and your business from costly claims:
Personal Injury – cover if someone is injured as a result of your business activities.
Loss or Damage to Property – protects against accidental or negligent damage to client property.
Compensation for Negligence or Non-Performance – cover for claims if your business fails to deliver as agreed.
Tools and Equipment
Keep your essential tools and equipment protected wherever you work:
Theft & Loss – cover if your tools are stolen or misplaced.
Vandalism & Burglary – protection against deliberate damage or theft.
Accidental Damage – repair or replacement when tools are accidentally damaged.
Tools in Transit – ensures cover when your equipment is on the move.
Property Insurance
Cover for a wide range of property types:
Almshouses
Flats
Landlords
Offices
Retail & Shops
Business Life Plans
Protect the people who matter most to your business:
Relevant Life Plans – tax-efficient life insurance for directors and employees.
Key Person Cover – safeguard your business against the financial impact of losing a key individual.
Have a question or would like more information on our insurance services?
First Time Buyers
Mortgages specifically designed for individuals who are purchasing their first home.
Residential
A residential mortgage is a type of loan used to purchase or refinance a residential property.
Buy To Let
Designed for individuals who want to purchase a property with the intention of renting it out to tenants.
Let To Buy
A mortgage that enables homeowners to rent out their existing property and purchase a new one to live in.
Remortgage
Remortgage is a process when a homeowner switches their existing mortgage to a new lender or product.
Protection
You’re in safe hands. I can support you in safeguarding your financial wellbeing and assets in case of unforeseen events.
Bridging Finance
A short-term loan used to quickly secure a property or access funds, typically until long-term financing is in place.