/ Business Insurance
Cheap business insurance from the whole UK market.
Compare 60+ commercial insurers — liability, property, professional indemnity, fleet, cyber and sector-specific schemes. Right protection. Lowest premium. One renewal date for every policy you hold.
60+
UK commercial insurers compared
32%
Average premium saving
24h
Quote turnaround
1
Renewal date for every policy
/ Cover Types
Every business risk, properly covered.
Public liability insurance
£1m–£10m cover protecting your business if a member of the public is injured or their property damaged because of your work. Mandatory for most contracts, retail premises, hospitality and trades.
Employers' liability insurance
Legally required (£5m minimum) the moment you hire anyone — including subcontractors, casuals and volunteers. Fines for non-compliance run to £2,500 per day.
Professional indemnity (PI)
Protects consultants, accountants, solicitors, designers, marketers and IT firms against claims of negligence, bad advice, missed deadlines or breach of contract.
Commercial property & contents
Buildings, stock, plant, machinery, fixtures and tenants' improvements — replacement-cost cover for fire, flood, theft, escape of water, accidental damage and business interruption.
Commercial fleet & motor trade
Single annual policy for 2 to 2,000 vehicles. Vans, HGVs, plant, sales fleet and motor trade combined. Any-driver, named-driver and telematics options.
Sector-specific schemes
Bespoke schemes for trades, healthcare, hospitality, IT, manufacturing, real estate, charities and the construction industry — written with insurers who specialise in your risk.
/ Sectors
Specialist schemes for your industry.
/ FAQ
Business insurance — frequently asked
What business insurance do I legally need in the UK?
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Employers' liability is mandatory (£5m minimum) the moment you employ anyone. Motor insurance is mandatory on any road-going vehicle. Public liability is contractually mandatory for most commercial leases, construction work and public-facing trades. Professional indemnity is mandatory for regulated professions — solicitors, architects, financial advisers, etc.
How much does business insurance cost in the UK?
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A sole-trader public liability policy starts at around £60/year. A typical SME combined package (PL + EL + contents + business interruption) costs £400–£2,500/year. Larger or higher-risk operations (construction, manufacturing, healthcare) range from £3,000 to £100,000+. We compare 60+ insurers to bring the cheapest premium for your exact risk profile.
Can I combine all my business policies onto one renewal date?
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Yes. We consolidate liability, property, fleet, cyber and PI onto a single annual renewal — one paperwork pack, one consultant call, one cheque. Makes life easier and often unlocks a multi-policy discount.
Do you offer a free policy health-check?
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Yes. Send us your current schedule and we'll spot underinsurance (the average UK SME is 43% underinsured on buildings), unnecessary cover, exclusions that don't match your trade, and savings available from the broader market.
Are you FCA-regulated?
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All business insurance placements are handled through our FCA-regulated panel of commercial consultants (FCA register searchable). You get full Financial Ombudsman protection and access to the Financial Services Compensation Scheme.
Can I add cyber insurance?
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Yes. Cyber liability cover — including ransomware, data breach response, business interruption and customer notification costs — is included in our standard SME quote. Increasingly required by clients, contracts and Cyber Essentials Plus certification.
Free insurance health-check in 24 hours.
Send a recent schedule of insurance and we'll re-tender the whole UK market — same cover, lower premium, single renewal date.
- FCA-regulated panel
- 60+ insurers
- No fee paid by you