Specialist Insurance Solutions

Specialist & Niche Insurance

Tailored protection for unique business requirements and specialist sectors

Our Specialist Products

Comprehensive insurance solutions for specialist sectors and niche markets

Unoccupied Property Insurance

Protection for vacant buildings, empty properties, and temporarily unoccupied premises

Vacant building cover
Vandalism protection
Accidental damage
Emergency repairs

Restaurant Insurance

Specialist cover for restaurants, fine dining, and food service establishments

Kitchen equipment
Food spoilage
Liquor liability
Employee cover

Pub Insurance

Comprehensive protection for pubs, bars, and licensed establishments

Liquor liability
Assault cover
Equipment breakdown
Business interruption

Hotel Insurance

All-in-one cover for hotels, guest houses, and hospitality venues

Guest liability
Room contents
Business interruption
Employee cover

Gym Insurance

Specialist protection for fitness facilities, gyms, and health clubs

Equipment cover
Member liability
Personal injury
Accident cover

Nursery Insurance

Comprehensive cover for nurseries, childcare facilities, and early years settings

Child safety
Staff liability
Equipment cover
Professional indemnity

Care Home Insurance

Specialist cover for care homes, residential facilities, and nursing homes

Resident care
Staff liability
Abuse cover
Equipment protection

Not-for-Profit & Charity Insurance

Multi-cover protection for charities, NGOs, and third-sector organisations

Multi-cover bundle
Volunteer cover
Fundraising protection
Abuse liability

Sports Club Insurance

Specialist cover for sports clubs, community sports organisations, and martial arts studios

Public liability
Personal accident
Equipment cover
Volunteer protection

School Insurance

Specialist insurance for independent schools, academies, and educational settings

Governors' liability
Professional indemnity
Public liability
Buildings & contents

Takeaway Insurance

Cover for takeaways, fast food outlets, delivery-only kitchens, and food vans

Public liability
Product liability
Employers' liability
Business interruption

Salon Insurance

Specialist insurance for hair salons, beauty salons, and personal care businesses

Professional indemnity
Public liability
Product liability
Employers' liability

Barber Insurance

Specialist insurance for barber shops and mobile barbers, covering client injury and equipment

Public liability
Professional indemnity
Equipment cover
Business interruption

Coverage Options

Choose the covers that best suit your specialist business needs

Building & Contents

Protection for property, fixtures, and equipment

Liability Cover

Third-party injury and property damage protection

Business Interruption

Income protection during unexpected closures

Employee Protection

Staff liability and employment practices cover

Specialist Covers

Industry-specific protections and add-ons

Professional Indemnity

Protection against professional negligence claims

Why Choose Focus Insurance?

Specialist expertise and tailored solutions for your unique business

Specialist Expertise

Deep knowledge of specialist sectors and unique risk profiles

Tailored Solutions

Custom-built cover designed for your specific business needs

Comprehensive Cover

All-in-one protection with no gaps in your insurance

Risk Management

Proactive support and guidance to minimise your exposure

Knowledge Centre

Specialist Insurance FAQs

Answers to frequently asked questions about specialist business insurance.

What is specialist insurance?

Specialist insurance refers to cover designed for businesses, activities, or risks that fall outside the scope of standard commercial insurance products. This includes sectors such as hospitality, care, charity, construction, and professional services, as well as non-standard risks such as unoccupied properties, high-value assets, and unusual business activities.

Why do some businesses need specialist cover?

Standard insurance products are designed for common risk profiles. Businesses with unusual activities, complex operations, or higher-than-average risk exposures may find that standard policies do not adequately cover their needs, or that insurers decline to offer terms. Specialist insurers and Lloyd's of London markets exist specifically to accommodate these risks.

What is cyber insurance?

Cyber insurance covers financial losses and liabilities arising from data breaches, ransomware attacks, and other cyber incidents. Cover typically includes the cost of incident response, data recovery, regulatory fines, and third-party claims. It is increasingly relevant for businesses of all sizes that hold customer data or rely on digital systems.

What is management liability insurance?

Management liability insurance protects company directors and officers against claims arising from alleged wrongful acts in the management of the business. It typically combines directors and officers (D&O) liability, employment practices liability (EPL), and corporate legal liability into a single policy.

How do I arrange specialist insurance through Focus Insurance?

Contact us by telephone on 01733 263311 or via our online enquiry form during business hours (Monday to Friday, 9am to 5pm). Our brokers will discuss your requirements and access specialist markets to find suitable cover options. We do not provide instant online quotes.

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Get a tailored quote for your specialist insurance needs today