/ Business Insurance
Cheap business insurance from the whole UK market.
We are an insurance introducer — we compare 60+ commercial insurers across liability, property, professional indemnity, fleet, cyber and sector-specific schemes to find you cost-effective cover. Right protection. Lowest premium. One renewal date for every policy you hold.
We introduce you to FCA-regulated insurance providers and receive a commission from the insurer when you purchase a policy. There is no charge to you for our service.
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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We are an insurance introducer — 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. We receive a commission from the insurer; our service is free to you.
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
/ Start your Business Insurance review
Upload your insurance schedule.
Send us your latest schedule of insurance (and any renewal notice). We'll re-broker the whole UK market on the same cover and come back with a like-for-like premium comparison — plus diary your renewal date so you never auto-renew.
Everything managed for you — at no cost to your business
Business energy, water and business rates cost management with nothing to pay. We manage your supplier accounts, audit every bill, sign and file the paperwork, and recover what you have been overcharged. You stay in control and can withdraw access at any time.
No fee to your business
No subscription, set-up fee or minimum term. Suppliers pay us, you never do.
We manage your supplier accounts
Confirm your supplier names and online logins once — encrypted, masked and cancellable in one click — and we work your accounts directly.
Overcharges eradicated at source
Every bill line audited: wrong unit rates, out-of-contract rates, estimated reads, duplicate standing charges, VAT and CCL — recovered up to six years back.
Sign once, digitally
Type your name to sign your Letter of Authority. Every signature carries a DocuSign-style certificate of authenticity with time, IP and device.
Signed PDFs retained and shared
Your signed LOA is stored as a PDF, emailed to you and issued to every supplier with your account numbers and business name on the subject line.
Readings and usage tracked
Submit readings from your phone or let us post them into your supplier account, so you are billed on actuals and never estimates.
Renewals never missed
We watch contract end dates and negotiate whole-of-market before any out-of-contract rollover can bite.
Disputes handled with evidence
Raise a challenge with supporting documents attached; we build and send the evidence pack to the supplier and chase it to resolution.