What does your business need?

Professional Indemnity

Essential cover for businesses offering professional services, advice and more.


Vital business protection for damage to persons or property

Employers Liability

Designed to provide insurance against illness or injury claims by employees

Landlord Insurance

Home business Insurance

Pub & Restaurant Insurance

Shop Insurance

Specialist Insurance

We compare quotes from our panel of leading insurers

Expert Knowledge

We’ve been providing a wide range of specialist insurance products for over 40 years

Superior Service

We're highly rated by our clients on Feefo

We understand what your business needs

DCF has been insuring a vast array of clients – from sole traders to corporate businesses – since 1973. While we offer professional indemnity, public liability, employers’ liability and other essential commercial combined insurance covers – all from leading UK insurers – we know that every business is different, and has its own unique risks.

So we don’t just offer insurance quotes. We run through a proper risk assessment to understand exactly what your business does, so we can offer the right insurance cover to meet your needs. Start your business insurance quotation here.

Business Insurance

Established for over 40 years, we are an insurance broker with expertise developed from handling all types of commercial insurance risks. It is our proud claim that we can place insurance for over 99% of the cases presented to us. Because of our buying power and standing with insurers we are often able to negotiate exclusive and preferential covers and premiums not generally available elsewhere.

For more complex risks, our experienced team of Account Managers will visit your premises to discuss your insurance requirements in more detail. These meetings have many benefits including the ability to review your current risk exposures, gain a better understanding of your business and enable us to efficiently compile information about your business to discuss with suitable insurers on your behalf.

As part of our review we can highlight any deficiencies in current policy coverage and wording that could significantly affect the portfolio’s ability to respond in the event of a major loss. All of our recommendations can be provided to you in a report for discussion. Our aim is to work proactively with you to ensure you receive the best possible service, comprehensive policy coverage and all at competitive premiums.

We have specialist schemes for the following types of cover:

  • General Business Insurance
  • Technology Insurance
  • Recruitment Agency and Consultant Insurance
  • Craft Brewers Insurance
  • Water Treatment Insurance
  • Self Drive Hire Insurance
  • Small Business Insurance
  • Nightclub Insurance
  • Recovery Operators Insurance
  • Fleet Insurance
  • New and Used Car Dealerships
  • Electrician Insurance
  • Painter and Decorators Insurance
  • Gas Fitter Insurance
  • Builders Insurance
  • Gardeners Insurance
  • Interior Designers Insurance
  • Domestic Cleaners Insurance
  • Commercial Cleaners Insurance
  • Demolition Contractor Insurance
  • Handyman Insurance
  • Locksmith Insurance
  • Glazier Insurance
  • Lawyer Insurance
  • Accountant Insurance
  • Bookkeepers Insurance
  • Marketing Agency Insurance
  • Software Developer Insurance
  • Consultant Insurance

We are the appointed insurance broker for a number of associations and their members. We work in partnership with these Affinity Partners to develop an insurance scheme suitable for their members’ requirements.

There are many choices when it comes to Business Insurance – however just look through what our customers all say about the service we provide and our expertise within any given field.

We work with:

Unipart Automotive
Scottish Vehicle Recovery Agency (SVRA)
MasterServe/Fleet Support Group
To get in touch, call us on 01634 791 474.

Already a client?

If you’re already an existing client of and are looking to speak to one of our advisers about your current policy or about a renewal, please call:

Make a claim

If you’re an existing DCF client and you’re looking to make a claim, please call our claims department on the number below: