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Business Insurance

Whatever your business, here at MacDonald Group we can provide a tailored Business Insurance solution specifically designed to suit your business needs and as we have chosen to remain a completely independent broker you can rest assured that we are dealing with your best interests.

  • Call us
    • MacDonald Partnership

      Inverness: 01463 223555
      Wick: 01955 605308

    • Rankin Risk Solutions

      Perth: 01738 509990

    • Capital Consultants

      Inverness: 01463 223 555

    • AbbeySpring Hill

      Fife: 01592 756711

All businesses need to ensure they have adequate Business Insurance in place, that’s why at MacDonald Group we will work closely with you to fully understand your business, providing a full Risk Management Service where necessary.

Our highly skilled staff within each of our branches have expert knowledge of business sectors within your surrounding area, ensuring that we understand all the elements that are important in providing a bespoke insurance solution for your business.  We can visit you at your business premises to assess your business risks and tailor a solution that will protect your valuable assets. The cover can extend to all areas of your business, including, buildings; stock; machinery; vehicles; revenue; employer’s liability; public and products liability.

As members of the Willis Towers Watson Networks, we have access to extremely competitive rates, a wide range of products, and services some of our competitors do not have. Our markets are wide and varied and we will be able to place most risks for you via either our standard insurer panel through the Willis Towers Watson Network or with an underwriter through our alternative, more specialised, insurance channels. We also have an active connection with the Lloyds market and engage in regular dialogue with specialist Lloyds Underwriters in respect of more sizeable, higher risk or more complex commercial cases.

Once your policy is in place we will continue to work with you and take into account any future changes within your business to ensure you always have the best insurance cover in place. We also have an in-house claims service and will work closely with you and the insurer in the event of any future claims to arrive at the best possible outcome.

We have the knowledge and expertise to provide Business Insurance solutions across many sectors and so, whether your business is large or small contact us via our contact page or send us a message through our ‘Start a Conversation’ section to find out how we can help protect your business.

Contact us

The MacDonald Group is made up of four businesses. Together we make one bigger, stronger and more agile Independent Insurance Broking and Financial Services business under the name of MacDonald Group.

Our Services

Liability

MacDonald Group are here to help you identify the Liability risk to your business, whether you are a sole trader or larger corporate business.

 

Property

Whether you are a landlord of residential property or commercial property we can tailor a solution that can cover the following:

  • Commercial Property Insurance
  • Residential Property Insurance
  • Landlord Buildings & Contents
  • Insurance for Blocks of Flats
  • Landlord Loss of Rent Insurance

Construction Trades

We understand how risky business within the Construction Trades can be and therefore we will work with you to fully assess these risks to offer a bespoke solution that covers areas and risks that are relevant to your trade and situation.

Whether you’re a Project Manager, Surveyor, Glazier, Plumber, Joiner or Bricklayer we can support you and your insurance needs.

Hotels & Leisure

MacDonald Group provide comprehensive Hotel cover, tailored to your needs. Providing you with flexibility, allowing you to choose a policy and cover that meets your specific needs by selecting from a wide range of optional covers and services.

We also provide leisure industry insurance designed for a wide range of leisure businesses including amusement arcades, bingo clubs, bowling alleys, casinos, fairgrounds, health and fitness clubs, indoor and outdoor play centre, leisure and theme parks, snooker clubs and pool halls, visitor attractions and other similar businesses.

Professional Indemnity

Professional Indemnity Insurance provides cover to those within certain professions in the event of a claim made by a client due to any negligent services or advice provided by the individual or their business.

You should consider Professional Indemnity Insurance if you provide your skills, advice and knowledge as part of your profession whether you are employed or self-employed.

Manufacturing

At MacDonald Group we understand the complexities and specialised nature of the Manufacturing Trade and as such we will work closely with you to fully assess the areas of risk that you and your employees are exposed to on a regular basis.

 

Fleet & Haulage

At MacDonald Group we can provide fleet insurance for any size of business, from a few company cars up to hundreds of vehicles of all types including lorries, vans, motorbikes and cars. We can arrange cover for drivers throughout the UK and in Europe and will ensure you have adequate protection.

 

Retail Insurance

Here at the MacDonald Group we can provide cover for a wide range of retail businesses, from Newsagents and Coffee shops to Hairdressers and Beauty salons. Whether you trade from a high street outlet or on-line we can tailor a solution that suits your business needs.

We understand that retailers face a multitude of risks, including fire, flood damage, theft, damage to stock or goods in transit and injuries that have occurred within your store whether it is shoppers or staff that have been affected.

Wholesale

We have the expertise at MacDonald group to design a flexible and comprehensive policy specifically for the wholesaling industry. We understand that there are areas of risk that would not necessarily be covered by a standard commercial business policy.

By allowing us to access your business we can make sure you have suitable cover, for example cover for seasonal fluctuations, high levels of stock, goods in transit cover and stock held at third party premises.

Restaurants & Pubs

MacDonald Group’s Restaurant/Food & Drink insurance solution provides flexible protection and essential risk management tools to businesses across the catering sector. We aim to deliver a cost effective business insurance programme utilising modern technology and backed up with the knowledge of our broking team whom have many years’ experience in arranging Insurance for the Food/ Drink Industry for all sizes of business.

Credit Insurance

Credit insurance provides your business with protection against the failure of a customer (‘the buyer’) to pay you for the products/services you have delivered. This might be because they have become insolvent or have simply failed to pay you within an agreed credit period.

Credit insurance does more than just ensure your invoices are paid though, it can give you tools to allow your business to trade for safer business growth, optimising risk management, better borrowing and financing options and thorough customer insights.

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