Hassle-free claims and UK-based customer support.
Business insurance
Cover for small businesses
Public liability insurance
Covers your liability to pay compensation and legal costs in relation to accidental bodily injury or property damage to a member of the public (i.e. anyone who isn’t your employee).
Employers' liability insurance
Covers your liability to pay compensation and legal costs in relation to work-related sickness or bodily injury of an employee. A legal requirement for businesses with at least one employee.
Business equipment and tools insurance
For your portable equipment and tools, whether at your premises, your customers premises, or working remotely.
Business interruption insurance
Will reimburse your reduction in income caused by physical damage at your premises (e.g. fires, flooding and malicious damage).
Buildings and contents insurance
Protect your commercial premises and their contents from theft and accidental damage. Cover is also available for stock, tenants improvements and landlords fixtures and fittings.
Accident and sickness insurance
Seeks to pay a benefit if you or someone in your business is on long-term sick leave, is hospitalised or suffers an injury leaving them unable to work.
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.
Business insurance FAQs
Do I need business insurance?
There are two key reasons why you may decide to get business insurance. Firstly, what impact (if any) would a large uninsured claim have on your business? If the answer is little to none, then you might need need insurance. Secondly, if you're working with other businesses, or clients, they may often require it of you.
What does business insurance cover?
Business insurance helps provide a level of protection against the potential financial and reputational losses faced in the event of a successful claim. It's an umbrella term that covers a number of different types of insurance, all of which are designed to provide protection for different risks faced by businesses. These covers can include public liability insurance, professional indemnity insurance and employers' liability insurance.
What are the different types of business insurance?
Different types of business insurance available in the UK are:
What business insurance do I need?
This depends on the risks your business faces. Common covers that the some businesses choose include public liability insurance, professional indemnity insurance, employers' liability insurance, buildings insurance and business contents insurance. Other more specific covers, such as cyber insurance, directors' and officers' insurance and legal protection insurance are also options some businesses consider including.
How much is business insurance?
The cost of business insurance generally depends on a number of factors such as industry, turnover, number of employees, location.
Is business insurance a legal requirement?
Strictly speaking, employers' liability insurance is the only type of business insurance which is a legal requirement for businesses operating in any industry, with employees. Other covers are, however, sometimes required by professional and regulatory bodies.
Can I get business insurance before registering my business?
Yes, you can buy business insurance before registering your business.
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 www.fca.org.uk 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 www.fscs.org.uk.