Small Business Insurance
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Small business insurance FAQs
Is small business insurance required?
Whether or not you’re legally required to have business insurance depends on your particular business. Some covers may be a legal requirement or may be required by regulatory bodies.
Every small business should take out insurance to protect against any number of risks, from damage to property to injury to others. Without the right small business insurance, your organisation could be financially liable to rectify damage or cover compensation and legal costs if someone gets hurt.
What type of small business insurance do I need?
Your business insurance needs depend on what you do for a living. Public liability insurance is recommended for most businesses, to protect against claims made against you by third parties. You may wish to consider other covers as well such as business contents, buildings and employers’ liability insurance which is required by law if you have staff. Further covers are available such as commercial legal expenses and business interruption which can help protect the loss of income following damage to property by an insured event.
If you are unsure of your business insurance requirements, arrange a call with one of our insurance advisors who will be able to give advice on the right cover for your business. With many years’ experience arranging cover for businesses large and small, we know the risks you face and have access to the solutions available to protect against them.
How much is small business insurance?
The cost of your small business insurance will depend on your business activities, location and the amount and type of goods you wish to insure. Like any other insurance, generally the more cover you require the higher the premium.
What are you looking for today?
Select you business type to start a quote:
Building and Construction Insurance
Construction insurance provides a broad range of specialist insurance covers that provide protection for a wide variety of trades within the construction industry. Find out more about this sector.
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Care and Medical Insurance
Care professions require specific insurance to help protect against the unexpected. That's where we can help by arranging tailored care and medical insurance.
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Commercial and Industrial Insurance
Covers for manufacturing and industrial sector businesses including manufacturers, wholesalers, engineering and printers. Find out more about Commercial and Industry insurance.
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Contractors & Trades Insurance
From general tradesman to specialised contractors, every contractor has their own area of expertise and must protect themselves and their business. We can arrange contractor insurance for many trades.
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Food & Drink Insurance
We can arrange food and drink insurance for pubs, restaurants, catering businesses and takeaways. Take a look at some of the popular food and drink products in this sector.
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Hair & Beauty Insurance
With so many options available, finding the right hair and beauty insurance policy for your business can be challenging. That’s where we can help find the right cover for your hair and beauty business.
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Hospitality & leisure Insurance
As one of the largest industries in the UK, the hospitality and leisure sector has a variety of insurance needs bespoke to each individual establishment.
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Pet business Insurance
Pet businesses take many shapes and sizes from veterinary practices to pet shops and mobile dog groomers. Each facing a unique set of risks. We can help find the right cover for your pet business.
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Professional Services Insurance
Whatever kind of business insurance you need, we can help find the right cover for the right price. From accountants to charities, solicitors to estate agents, plus many more.
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Property & Landlord Insurance
Whether you need to insure commercial or residential property, we can help you protect your property investment in just a few minutes. Find out more about landlord insurance.
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Retail & Shopping Insurance
Retailers take many shapes and sizes from butchers to bakeries, florists to furniture shops. Each shop faces a unique set of risks which is why it's important to have the right retail insurance cover.
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Technology & media Insurance
In this growing sector, many businesses and individuals rely on your professional expertise. We can help you find the right insurance cover from UK leading insurers.
More technology & media tradesWhy choose us to arrange your small business insurance
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
