services commercial

Commercial Insurance

Whether you are a one-man band or a thriving mid-sized company, you’ve been in business for years or are just getting off the ground, it is essential that your insurance provides cover for both your Statutory Insurance Requirements and protects the vital areas of your business.


We can cover:


• Buildings

• Trade Contents

• Computer Systems

• Stock

• All Risks

• Employers Liability

• Public & Products Liability

• Legal Expenses

• Business Interruption

• Engineering Insurance

• Statutory Inspection

• Goods In Transit

• Directors & Officers Liability

• Cyber Liability


Building, Construction and Allied Trades

With many years’ experience meeting the requirements of the building and allied trades sector, and the occasional need for unusual, high risk insurance, we can provide tailor made, flexible cover on an annual, project or one-off basis.


We deal with a panel of established UK insurance providers, enabling us to provide you with well-rounded protection.

Insurance solutions can cover you against delay in completion, inherent defects, legal liability, pollution and many other scenarios, while third party liability and all risks insurance provides cover if you employ contractors or sub-contractors.

When the time comes for you to renew, we will carry out a market review to ensure your needs are being met, and should you need to make a claim, you can rely on our claims settlement service for help and advice.

Personal Insurance
Auto Insurance Scotland

Motor Trade Insurance

Motor Trade insurance is an area that we understand, having dealt with this type of insurance for over 20 years.


Motor Trade insurance is necessary for a wide range of businesses, all with individual needs, so getting the right type of policy for your business is important.


We pride ourselves on taking time to get to know your business in order to provide professional knowledgeable advice in a friendly manner, taking account of the individual needs of the business concerned and provide an insurance package which meets your requirements and financial resources.


Your cover requirements will of course depend very much on the nature of your business. And could include:


• Property Damage

• Employers & Public / Products Liability & defective workmanship
• Business Interruption
• Engineering Insurance
• Statutory Inspection
• Road Risks (Who can use your vehicles? Does it include private use? Is there an inner limit for maximum value of any vehicle?)

Licensed Trade, Hotels, Guest Houses and Hostels

What is Hotel Insurance?


A hotel business has three fundamentals. The first is your property/premises, the second your staff and guests, and the third is your income. Keeping these three things safe should be at the heart of a License Trade or Leisure Industry business.


Protection for your property comes under the buildings and contents insurance, and should someone get hurt you have public and employers’ liability insurance. To protect the income you take from your business, there is also business interruption insurance. From then on everything else becomes much more dependent on the different requirements and services you may offer.


CPH have many years experience and have access to specialist underwriters with bespoke policies for all areas of the leisure industry including Hotels, Hostels, Guest Houses, Pubs, Clubs, Gyms and Caravan Parks.

Hotel Insurance Scotland
Property Insurance

Property Owner Insurance (Commercial & Residential)

Property Owners insurance is specialist insurance cover designed for portfolios of properties owned but not currently occupied by the owner, so for example let out to a tenant.

We offer a wide range of covers to ensure the right insurance solution for property owners of commercial, residential and mixed properties and Houses of Multiple Occupancy (HMO).


Cover is offered for:


• Buildings
• Rental Income
• Property owners’ Liability
• Employers’ liability
• Terrorism
• Landlords’ Contents
• Legal Expenses

• Directors & Officers Liability

CPH can arrange cover for landlords, property managers and letting agents.


The manufacturing sector brings with it a wide range of risks and exposures and as an independent broker specialising in arranging insurance for manufacturers you can be assured that by placing your business insurance with CPH your business will have the protection it really needs. 


Although most insurers can accommodate a straightforward manufacturing risk, we know that most manufacturing businesses are not straightforward, so it is essential that we place your insurance with a company that fully understands what you do.


This is why when arranging insurance for Manufacturers we make sure we really do get to know your business, what you make, how you make it, who you make it for, where your product goes and how it gets there. This approach ensures that we can negotiate for you a manufacturing business insurance programme that provides the cover you actually need at a competitive premium.


We work with a wide range of manufacturing businesses including high-tech automated production lines, traditional engineering businesses, food producers, fabricators and plastic risks. We work closely with our clients to ensure that their insurance provides the protection they need by carrying out a full risk review with them and identifying any gaps in cover. 

Services Agricultural

Agricultural Insurance

We have extensive knowledge of the farming industry with over 20 years’ experience of working with farmers in Perthshire, Angus, and beyond.


Being a relatively small team, we pride ourselves on forging long-term working relationships with our farming and agricultural clients and delivering a wide range of insurance policies to suit their changing requirements.


From farm insurance, to estates insurance or small-holders insurance, we are here to help.


We provide a high level of personal service which includes arranging your farm insurance, dealing with any required amendments and handling claims on your behalf, allowing you to concentrate of your business. All this can be done face to face. As the farming industry is constantly changing, we ensure we are kept up to date with how these changes affect our clients. We regularly visit our farmers to discuss their requirements, making sure they have the covers needed so we can understand their business.

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