We’ve teamed up with Simply Business to find business insurance policies that are as diverse and specialist as your company, big or small.
Looking for public liability insurance for your business?
Read more guides and tips in the Business insurance briefcase
Pin down a policy today, and give yourself more time to get down to business.
What’s business insurance?
Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.
Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:
Public liability insurance
Hell hath no fury like a scorned member of the public, especially when it comes to claims.
Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.
Professional indemnity insurance
If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.
It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.
But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business — fancy, eh?
You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.
Company insurance comparison
Employers’ liability insurance is compulsory for businesses that have one or more employees
Glass and shutters insurance can cover replacement following accidental or malicious damage
To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.
Start your business insurance quote
Have to hand info about claims made by your firm in the last five years, or any pending.
Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.
You’ll then either be presented with your quotes online, or — if your circumstances don’t allow for an instant quote — your details will be passed on to an insurance specialist to look at.
Need to know more about business insurance?
Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous — give them a call if you’re unsure.
But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries — we’re straightforward, so you won’t find buzzwords or marketing jargon here.
The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.
We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.
Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.
Protect your business in minutes
With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing.
To help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.
Online business insurance
Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.
Start your quote
Public liability insurance
Professional indemnity insurance
Employers’ liability insurance
Product liability insurance
Personal accident insurance
Business contents insurance
More business insurance covers
What is business insurance?
Business insurance refers to a range of covers that protect businesses against losses suffered during the course of normal activities, particularly in the face of a compensation claim. Different covers look after different risks, such as legal liability, property damage and employee-related issues.
Build a tailored business insurance quote
You can tailor your business insurance quote to your own individual needs by including covers such as:
Public liability insurance can protect you if a client or a member of the public suffers personal injury or property damage because of your business.
Professional indemnity insurance can cover you should a client loses money as a result of negligence in your advice, services or designs.
Employers’ liability insurance can cover compensation payments and legal costs if an employee sues you for a work-related illness or injury.
Product liability insurance can protect you if your product causes injury or damage to a person or their property.
See more business insurance covers
Run a quick business insurance quote comparison
You can easily combine the covers that best suit your own requirements in one single policy and start your quote from our panel of leading insurers. It’s quick and simple: one policy, one premium, one renewal date, and one set of documents.
Is business insurance required by law?
A tailored business insurance policy will help you safeguard your financial future. Our consultant Ellie explains your legal responsibilities and why most companies, professionals, and small businesses need insurance.
See also: Is business insurance a legal requirement?
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Building your business cover
Public liability insurance is a key cover for many businesses, small and large, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.
If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.
Sorting your finances
We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring, invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.
Why get business cover?
If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:
Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
Additional covers like protection for stock, business interruption, equipment, contents and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business