Limited company insurance Limited company insurance

From one-man bands to teams of 500-plus, limited companies come in all shapes and sizes. Use our quote builder to custom build a policy perfect for your unique business.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

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What does ltd company insurance cover?

Whether you're incorporating yourself as a limited company or starting the next big business, our limited company business insurance is designed to cover the risks that could affect your specific company activities through a build-it-yourself policy.

While every limited company is different, some of our most popular covers that you might want to consider are:

  • Public liability
  • Business equipment
  • Employers' liability
  • Cyber insurance
  • Personal accident
  • Directors' and officers' insurance
  • Professional indemnity insurance

Be quote confident

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

What insurance does a limited company need?

Public liability insurance

If you work with customers, clients or the general public – whether from an office, studio or your own home – public liability insurance for limited companies is designed to protect you if someone has an accident, becomes ill or has their property damaged because of your business.

Public liability claims can result in a pricey lawsuit and compensation costs if the claim is successful. Without public liability insurance, you or your limited company would have to cover this yourself. While it's not a legal requirement, some customers or clients will ask that you have this type of cover in order to do business with your company.

Employers' liability insurance

If your limited company employs people, employers' liability insurance is likely to be a legal requirement for your business. It covers claims made against you by employees if they suffer an accidental injury at your business or as a result of working for you.

Business equipment insurance

Starting a limited company can mean investing in a lot of equipment, like laptops, phones and, depending on your industry, a range of specialist gear. If somethings breaks or gets lost or stolen, it can really set you back.

Business equipment cover protects your specialist equipment from damage and theft. They cover the cost of replacing or repairing your equipment, so you can don't have to worry about downtime.

Cyber insurance

If your business suffers a data breach and you're found to be in breach of UK GDPR regulations, you could be fined £17.5m or 4% of annual turnover, whichever is higher, not to mention the PR costs to recover if your reputation suffers.

Cyber insurance can cover GDPR regulatory penalties, where insurable by law, as well as other risks such as hacking and cybercrime. Superscript's cyber insurance also includes 24/7 access to a specialist breach response hotline to help your business manage the immediate aftermath of a hack or data breach.

Directors' and officers' insurance

Directors & officers insurance (or D&O insurance as it's also known) covers claims made personally against those in the company with management responsibilities. This includes breaches of health and safety laws, misrepresentations in company presentations or errors in reporting.

If a claim is made, the penalties can range from hefty fines to a prison sentence, so it's worth considering D&O to protect the personal liabilities and reputations of senior management.

Personal accident insurance

This optional cover will pay a compensatory benefit if someone working for the business (under the age of 75) suffers an accident resulting in the loss of their sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work. You can choose a benefit of up to £10,000.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

What is limited company insurance?

Limited company business insurance is a type of business insurance that’s tailored to cover the risks associated with being a limited company.

To make sure you're getting the right cover for your limited company, we'd recommend using our quote builder to see what insurance is most applicable for your business.

Do I need public liability insurance for a limited company?

While public liability cover is not a legal requirement for a limited company, a lot of businesses find this type of insurance worth buying. That's because anyone who is accidentally injured or had their property damaged because of your business – be it members of the public, clients or customers – could make a claim against you.

If you didn't have public liability insurance, you could be left with significant compensation costs and legal fees to pay.

Limited company insurance claims

Insurance claims are different for every type of limited company, but here are a few examples of claims where the business could be liable.

Damaged laptop

During a new business pitch, you gesture your hand spilling hot coffee over the client's arm and laptop. Public liability can cover the cost to replace the laptop and the fees associated with the cost of the injury claim.

Projector breaks before a meeting

As you prepare to present to potential investors, your digital projector is accidentally broken. Business equipment insurance can cover the cost of repairing or replacing the item quickly and easily.

Extreme stress

An employee suffers mental health issues after being in a high pressure environment at your company. Employers' liability can cover the fees involved with the illness claim, such as legal and compensation costs.


As company director, you are interviewed for an industry magazine and make misleading, false or defamatory statements about a competitor. D&O insurance can cover the legal and compensation cost of a resulting lawsuit.

How do claims work?


Notify us of the claim

Contact us by email at, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there's an issue which may require a payment to be made on your behalf.


We'll get on the case

We'll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you'll receive email confirmation of your claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We'll keep you updated on the next steps as the claim progresses.


A decision is made

We'll let you know if your claim is successful or not. If your claim isn't covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.

Limited company insurance FAQs

Do I need employers' liability insurance for a limited company?

If the limited company employs people – regardless of whether they're full-time, part-time, contracting or temporary – employers' liability cover is a legal requirement for most businesses in the UK. To find out more, read our guide to understanding if you need employers' liability insurance.

If you're a limited company with employees, the only cover that's legally required is employers' liability.

While other covers are not legally required, they can not only help to make sure you're covered for things like accidents, injuries and property damage, but some clients or customers may require you to have insurance to work with you.

Can I buy business insurance before I've incorporated my limited company?

No – when building your quote with us, you'll need to search for and select your limited company. To do this, you need to be registered with companies' house.

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Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at