H.I. Commercial Insurance

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H.I. Commercial Insurance Independent commercial insurance brokers | Personal service | Trusted local experts.

Supporting businesses across Hull, East Yorkshire, North Lincolnshire and beyond with clear, tailored commercial insurance advice you can trust.

My shop’s flooded - am I covered?! 💦That’s not the time you want to be second-guessing your insurance.Floods and extreme...
16/10/2026

My shop’s flooded - am I covered?! 💦
That’s not the time you want to be second-guessing your insurance.

Floods and extreme weather are on the rise in the UK, and being underinsured could leave your business exposed.

👉 A quick review now could save you thousands later. DM us to check your cover today.

15/10/2026

⚠️ Big myth: ‘My landlord’s insurance covers my stock.’

Reality: Landlord insurance usually protects the building only. Your stock, contents and equipment? Not included.

Don’t find out after disaster strikes - check your policy now.

👉 Need clarity? We’ll review it for you.

Think you know what’s covered under your business insurance? You might be surprised. 👀✅ Flood damage at your office? Yes...
13/10/2026

Think you know what’s covered under your business insurance? You might be surprised. 👀

✅ Flood damage at your office? Yes.
❌ Wear & tear? No.
✅ Customer injury? Yes (public liability).
❓Laptop stolen from your van? Only if cover has been requested.

Understanding your cover could save you thousands. Don’t guess - get clarity.

📩 DM us for a no-jargon policy review.

12/10/2026

In a non-fault motor accident?

Dealing directly with the third party might feel quicker, but if liability isn’t admitted, costs can spiral fast. We’ve seen vans sit in storage for months, with owners paying thousands while disputes dragged on.

Through your insurer, recovery is quicker - and costs can be reclaimed.

If you’re in a non-fault incident, contact H.I.Commercial or BD Elite with your certificate number and we’ll sort it for you.

A small incident today could become a costly claim tomorrow. ⏳Most commercial insurance policies require notification wi...
09/10/2026

A small incident today could become a costly claim tomorrow. ⏳

Most commercial insurance policies require notification within 30 days (sometimes less). Ignore it, and you could risk a denied claim.

We’ve seen it happen: a client brushed off a ‘minor’ issue - 8 months later, their claim was rejected.

👉 If in doubt, report it. Unsure what counts? Ask us - it’s better to check than to lose out.

07/10/2026

Making an insurance claim? Evidence is everything. 📸

From property damage to water leaks, insurers now demand proof before they’ll pay out. Photos, videos, expert reports and even weather data can make all the difference between a fast settlement and a rejected claim.

👉 Document first, repair second. It could save your business thousands.

02/10/2026

It’s not always disasters that deny claims - sometimes it’s the small print.

Flat roof not inspected? ❌ Claim refused.
Alarm not to spec? ❌ Claim denied.

Your policy may require inspections, maintenance logs, or even specific alarm grades. Without them, cover could collapse.

Read the conditions, keep proof, ask us if unsure. We’ll make the jargon simple.

When it comes to making a business insurance claim, evidence is your best friend. 📸Insurers are getting tougher on prope...
01/10/2026

When it comes to making a business insurance claim, evidence is your best friend. 📸

Insurers are getting tougher on property damage claims, and without proof, the process slows down.

The good news? A proactive approach - documenting incidents, keeping records, and storing receipts - can speed up claim payments and protect your business.

👉 Don’t wait for the unexpected. Get organised now, and your future self will thank you.

25/09/2026

“Can I insure my cat as a security guard?” 🐈
“Does insurance cover alien abductions?” 👽
Funny questions, but here’s the serious bit: the right cover protects your premises, tools, staff, and income.
No jargon. Just straight answers that protect what matters most to your business.

Did you know… 🤔📊 60% of UK businesses are underinsured📊 45% of SMEs don’t have business interruption cover📊 1 in 3 cyber...
24/09/2026

Did you know… 🤔
📊 60% of UK businesses are underinsured
📊 45% of SMEs don’t have business interruption cover
📊 1 in 3 cyber attacks target small firms
These risks could put your business at serious financial risk if the unexpected happens.
At H.I.Commercial, we help UK businesses get the right cover in place — with clear advice, tailored protection, and expert support when you need to claim.
💡 Don’t leave it to chance. Book your free insurance review today via www.hicommercial.co.uk or the link in our bio.

Address

Office G14, ERGO, Bridgehead Business Park
Hessle
HU130GD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441482247477

Website

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