Introducing our digitally traded small business products
Our wide range of products can be traded through our online trading platform Fast Trade, Acturis or imarket. You have access to a variety of packaged cover from hairdressers to estate agents and local shops to property owners and so much more.
Where your clients’ needs are more complex and don’t fit our online criteria, our Mid-Market solution could help you and your clients find the right cover for them.
Meet the SME digital trading team
Transcript for video SME Digital Trading Team
Your trading confidence, our digital capabilities. Unstoppable. Together.
Kat Halbert, Head of SME Digital Trading: Our SME digital trading hub is based in Perth. We have over 150 underwriters supporting over 2,000 brokers across the whole of the UK. A strong digital proposition is more than just system and technology, it's about the service proposition that you wrap around it.
Caren Barnett, SME Digital Trading Branch Manager: The benefits to you as brokers trading digitally is really based around efficiency. It's a really great way to trade that SME business and make sure that you're freeing up time to focus on larger cases.
Michael Welsh, Senior SME Digital Trading Underwriter: The role of the digital trading team is really the human element that complements the digital platforms. We are here to really support you in the moment, and work together to create solutions for your customers. It's really, really important that when you call through, you've got the peace of mind that not only are you speaking to competent underwriter, but you're also speaking to the decision maker who can make that call on the moment, in that case.
Ewen Low, Senior SME Digital Trading Underwriter: Underwriters are there to support the broker should anything fall outside the system acceptance parameters. We’re there to try and find solutions that meet customer's needs, but we're also there to trade on things like premium and flexibility around certain terms on the policies as well.
Sarah Hutton, Senior SME Digital Trading Underwriter: Access to underwriters is really important in a digitally evolving space because you can then tap into our knowledge around things that are possibly more unusual risks, more complex risks, things that we haven’t seen before, things that a system simply wouldn't be able to underwrite. We focus on speed of service, great conversations and positive and sustainable outcomes for customers.
Great conversations help shape how we improve your digital trading experience
Lauren Ballingall, SME Property & Liability Portfolio Lead: Innovation for us as a performance team is broadening the scope of our products to allow you to write more business digitally. We're constantly making changes in the system. Some of those will be more obvious to you, such as our new product launches. And then there's others that we do in the background to do with our pricing or small rule tweaks. The advantage of working together in the same location is that the trading team can come over and speak to us at any point. So if they've identified an opportunity, we can get together side by side and discuss it and come up with a solution.
When there's an opportunity to enhance your trading experience, we act
Gavin Fraser, Digital Lead Product Owner: So, the primary purpose of our digital change team would be to support the wealth of products that we have to ensure that they are well-optimised to support the SME proposition, whether that be through Fast Trade or an eTrade experience. We're always looking to optimise that broker experience. So, we try to streamline the process as best as we can to allow the broker to quote and buy in a matter of minutes without anything in their way.
Together, we're expanding what you can trade digitally
Caren: The policies that we can trade digitally include the non-motor packaged products that you would expect to see in this environment, and also minifleet. In addition, we have a number of specialty and financial lines products that we service.
Ewen: Aviva were one of the first to develop an online digital fleet proposition. We listen to feedback from you, the brokers, and we’ve developed the product directly based on that feedback you've given us, one of the prime examples being single vehicle.
Lauren: We’ve also launched our fully modular Commercial Combined product and we have a new Contractors Combined product coming.
Caren: Commercial Combined is our most complex digital product, and for that reason, we've set up a dedicated team to support you through that journey and give you the confidence to trade more complex and sometimes larger business online.
Leanne Hillen, SME Digital Trading Underwriting Manager: The Commercial Combined product’s really changed over the last 12 months to become more modular. So, your traditional Commercial Combined package was various different elements which some, your client needed and some they didn't. Whereas with the transformation project that we've done here in Aviva, we have unbundled that and this has allowed our brokers to be able to just tailor the cover to suit their clients’ needs.
I manage a team of Commercial Combined underwriters up here in Perth. They're really experienced in what they do. They know the product inside out, and they're here to help. We have the knowledge, expertise and the authority to make quick decisions.
And when your clients need us most, we're here
Clare Laxy, Claims Digital and Optimisation Lead: Claims is the moment of truth for customers. I'm accountable and responsible for ensuring that all of our systems operate as they should, our digital self-serve capability responds to what our brokers require and that all of our technology works effectively to ensure that claims handlers can manage brokers’ business. The most important thing for us is to ensure that we get your clients back to the position that they were prior to the claim, whether that be their vehicle on the road, their business back up and running, or their property back to how it was.
Sarah: We want you to know that we are open for business and here to support you when placing business with us online.
Trade digitally with confidence. Unstoppable Together.
What's great about Fast Trade?
- Full Cycle - from obtaining a quote through to purchase, mid-term changes and renewal, all supported with instant documents, Fast Trade allows you to manage your client's policy online
- Live Chat - you have direct online access to one of our specialist underwriters or technical support Monday to Friday 9am – 5pm including bank holidays - if you have a query we're here to help
- Commercial Intelligence Tool - our tool can help you with underinsurance as we use data and Artificial Intelligence to alert you to the potential of underinsurance within the quote journey, which is available across all our property products on Fast Trade
- Client Dashboard - this tool provides you with targeted cross-sell opportunities and gives you a clear summary of your client’s portfolio, highlighting any additional areas of protection that your clients should be considering
Just don't take our word for it - in 2024 our Fast Trade platform was awarded five stars for the sixth year running in The Insurance Times ETrading Survey report.
Our small business products
Cargo 
Protection for goods being shipped around the world or transported across the UK by road, rail, sea or air.
Commercial Combined 
This policy is for small businesses with less than 10 premises in manufacturing, wholesale, services, sports, arts, community and leisure facilities.
Computer 
When computers go wrong or missing, replacing the equipment is relatively easy. Recovering the all-important data and information within the equipment often can prove to be a greater challenge.
Cyber 
Our Cyber cover, combined with a 24/7/365 incident response, can help give your clients the peace of mind that if they suffer a cyber-related attack, they have the tools in place to act quickly and help minimise the impact on their business.
Freight 
Our Freight insurance covers your client's contractual liability for loss or damage to their customers' goods in transit.
Group Personal Accident and Business Travel 
Life is unpredictable and so are accidents - whether at home or work. This cover helps businesses safeguard their most important asset – their people.
Management Liability 
Management liability cover protects individual directors, officers, companies, resident associations and charities as a whole against claims alleging a wrongful act.
Minifleet 
Our cover is for businesses with between 1 and 20 vehicles of any type with the option to choose the cover for each vehicle as well as carriage of Goods for Hire or Reward and Breakdown cover.
Office and Surgery 
Our policy can provide cover for up to 10 office or surgery locations. We offer a selection of core covers and your clients can also choose to add more covers such as stock for surgeries, computer breakdown and employee dishonesty.
Plant & Equipment 
Whether your client requires all risks cover for their owned plant or legal liability cover for their hired in plant, we can offer the cover your client needs.
Professional Indemnity 
Professional Indemnity insurance could help protect your client's business from costly claims and compensation. All business professionals, whether they charge a fee or not for their service, face the risk of a claim being made against them.
Property Owners 
If your client has up to 20 commercial and residential buildings our Property Owners policy can help protect their portfolio.
Self Employed 
Whether your client is trading from home, a third party site or their own business premises, this product offers a range of core covers. It also comes with a variety of optional extras, meaning that cover can meet the needs of your client.
Shop and Salon 
Cover for individual and multi-location shop and salon businesses, including online-only retailers who have storage units with no customer access.
More commercial products
Specialty Lines
All businesses in the UK often need to add additional covers to help protect their business. Our Specialty Lines covers can do just that - from Cyber to Marine and Commercial Crime to Management Liability, here at Aviva, we have lots of additional products to protect your clients businesses.
Mid-Market
Written by our expert underwriters, our Mid-Market proposition offers a choice of warranty-free cover for property damage, business interruption, contract works, employers’ liability and public & products liability. We aim to understand as much as we can about your clients' businesses so we can deliver the right insurance solutions for them.
Global Corporate & Specialty
Your corporate clients will often need tailored insurance solutions to support their business - they often have some very specific needs that need to be supported with the right expert underwriting, claims and risk management.
Multinational
With our expertise in underwriting, claims, risk engineering and multinational servicing, we can offer insurance solutions to help protect your client's people and assets - both at home and across the globe.
Haven't found what you're looking for?
See our contact us page for a full directory.