Arranging the right level of commercial insurance for any business can be a complex process as specialist classes of insurance are often required. At Francis Townsend & Hayward we pride ourves in our depth of knowledge, experience and track record in providing a personal service to our clients.


Our aim is not just to look at one product but to understand your business needs and, with your assistance, put together an insurance programme that provides complete protection for your business in a cost-effective way.


Our approach will help you decide whether the "risks" to your business are small enough to self-insure or if your exposure is such that comprehensive protection is required whilst taking into consideration any statutory legislation.


Currently we arrange insurance for both large and small businesses, from the Public Limited Company, with a multi-national programme, to the sole trader. All companies in this wide range have their own individual requirements and different levels of exposure to "risk", but our approach is the same in all cases - we look to understand each business in depth and then tailor the cover to suit the specific requirements of that business.


All businesses are individual but most trade in specific sectors. We list below some main sectors and have analysed the most common policies relevant to these sectors - and the importance of them. Please click on the sector listed to obtain further specific information, but note this is just a sample of sectors covered and if your business does not fit readily into any of these sectors please contact us direct for a review of the type of insurance you may require.