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Public liability, employer's liability, professional indemnity and more — all compared for you, so you get the right cover at the right price.
Coverage
What Do You Need Covered?
Every business is different. Pick the cover that fits yours — or let us recommend the right combo.
Public Liability
Protect your business if a client or member of the public makes a claim against you. Essential for most businesses.
Employer's Liability
If you have staff — even part-time or casual workers — this cover is a legal requirement. We'll make sure you're sorted.
Professional Indemnity
If you give advice or provide a professional service, this covers you if something goes wrong.
Fleet Insurance
One policy for all your business vehicles. Simpler, usually cheaper, and way less admin.
Property Insurance
Your premises, your kit, your stock. We'll find you a policy that covers what matters without the fluff.
Cyber Insurance
Cyber threats are real — and growing. Don't wait until something goes wrong to get covered.
Every cover, explained
What each policy actually covers, what it typically costs, and who legally needs it.
Business contents insurance
Covers the moveable things you use to trade — stock, equipment, furniture, fit-out.
Read the guideOffice contents insurance
Contents cover written for an office: IT, furniture, fit-out and equipment.
Read the guideShop insurance
A packaged policy for retail: stock, glass, money, liability and interruption.
Read the guidePublic liability insurance
Covers injury or damage caused to customers, visitors and the public.
Read the guideEmployers’ liability insurance
Legally required from the moment you employ anyone. £5m minimum.
Read the guideProfessional indemnity insurance
Covers claims that your advice or work caused a client financial loss.
Read the guideBusiness interruption insurance
Replaces lost income while you cannot trade. The cover that decides survival.
Read the guideCyber insurance
Breach response, business interruption and liability after a cyber incident.
Read the guideNot Sure What You Need?
Let's Figure It Out.
Tell us a bit about your business and we'll point you in the right direction — no insurance jargon, we promise.
Guide
Understanding Business Insurance
Which covers are legally required?
Employers’ liability insurance is a legal requirement for almost any UK business with staff, and you can be fined for each day you operate without it. Public liability is not a legal requirement but is expected by most landlords, clients and contracts, and covers claims from members of the public injured or whose property is damaged because of your business. Professional indemnity is typically required by regulators or clients in advice-giving professions, but is not a general legal requirement.
How cover limits are set
Public and employers’ liability policies are sold with a limit per claim — commonly £1 million, £2 million, £5 million or £10 million. The right limit depends on your contracts (many commercial clients specify a minimum limit before they will engage you) and the realistic worst-case cost of a claim in your sector. Buying a limit far above what your contracts require or your risk profile justifies is one of the most common ways businesses overpay.
What affects your premium
Insurers price on your trade classification, claims history, turnover, number of employees, and the cover limits and excess you choose. A clean claims history and an accurate trade description usually bring the premium down; under-declaring turnover or activities can lead to a claim being reduced or refused later, so accuracy at quote stage matters more than a lower number.
When to review your policy
Most business insurance runs on a 12-month term with automatic renewal unless you cancel. Renewal is the natural point to re-benchmark, but it is also worth reviewing mid-term if your turnover, headcount, premises or activities have changed significantly, since an outdated policy can leave you under-insured exactly when you need it most.
FAQs
Business Insurance, Answered
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