Business Insurance

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The right business insurance can protect you against any unforeseen events in the future that might affect your business. ‘Business insurance’ is a generic term covering all the different types of insurance that a business might need. Use the tables below to help you find the right type of business insurance to suit you.

Professional Indemnity Insurance Deals
ProviderPublic Liability QuotesEmployer Liability QuotesProfessional Indemnity QuotesSpecial FeaturesGet Quotes
Up to £10mUp to £10mUp to £2mPRICE GUARANTEE - Direct Line will guarantee to be at any quote for the same cover - Professional indemnity insurance - Covers against compensation claims for negligence or mistakes, including legal costs - 30% OFF for Start Up BusinessesGet Quotes >
Standard cover up to £10mStandard cover up to £10mStandard cover up to £5mWhatever the business we have it covered. Fast quotes and competitive prices as we compare prices from a range of UK underwriters. Get Quotes >
Employer & Public Liability Insurance Quotes
ProviderPublic Liability QuotesEmployer Liability QuotesSpecial FeaturesGet Quotes
Standard cover up to £10mStandard cover up to £10mWhatever the business we have it covered. Fast quotes and competitive prices as we compare prices from a range of UK underwriters. Get Quotes >
Up to £10mUp to £10mGet Public Liability Insurance Quotes for a wide range of businesses - just fill in one form to compare deals.Get Quotes >
Up to £5mUp to £10mHigh quality combined liability insurance designed to suit your business needs. Join over 40,000 trade and construction customers who choose to protect their business with us.Get Quotes >
Up to £10mUp to £10mPRICE GUARANTEE - Direct Line will guarantee to beat any quote for the same cover - Tradesmen Employer and Public Liability Insurance Quotes - Covers Tradesmen & Small Businesses such as mobile hairdressers, cleaners, home tutors who work on customers premises - Tool cover available - - If you find a better Quote Direct Line will beat it*Get Quotes >
Compare Office Insurance Deals
ProviderBuildingsStockPublic LiabilityAdditional BenefitsApply
yesyesGet a quoteFill in one simple form to compare quotes from a wide range of providers to find the right Insurance deal for your surgery or office.Get Quotes >
yesyesUp to £10mSave money on all types of office insurance by comparing prices and policies quickly with one easy to fill in form. Buildings, contents, stock, public liability, employers liability and business interruption available.Get Quotes >
yesyesUp to £10mBuildings, contents, stock, public & employers liability, business interruption and more available at the best prices from UK insurers.Get Quotes >
Shop and Retail Insurance Deals
ProviderPublic LiabilityAdditional BenefitsApply
yesFill in one simple form to compare quotes from a wide range of providers to find the right Shop Insurance deal for you.Get Quotes >
yesSave money on your shop insurance by comparing prices and policies quickly with one easy to fill in form. Includes employers, public and products liability cover, business interruption, buildings insurance as well as cover for loss/damaged stock, computer breakdown cover, goods in transit, legal expenses and much more.Get Quotes >
Landlord Insurance Deals
ProviderRental ProtectionMulti Property QuotesPublic and Property Liability CoverSpecial FeaturesGet Quotes
YesyesGet QuotesPRICE GUARANTEE - beat any renewal quote on like for like cover.* Find cheap landlord insurance - Fast online quotes - multi property insurance - loss of rent cover - all tenant types coveredGet Quotes >
YesyesGet QuotesSave up to 35% on your Landlord insurance** - Cover for Professionals, Student Lets, DSS and many more - One property or portfolio our partners can helpGet Quotes >
YesyesStandard Cover Up to £2mLandlord Cover For £115. Based on 10% of policies sold Jan - Jun 16. Excluding add onsGet Quotes >

*New customers only. Minimum premiums apply. Proof of alternative quote may be required. Based on the same level of cover.

**Save up to 35% on your Landlord Insurance - Get a Quote Today »

Do I have to have business insurance?

All UK-based businesses that employ one or more staff are legally required to have employers’ liability insurance covering a minimum of £10m. This covers you if an employee has an accident at work or becomes ill as a result of working for you. The legal obligation to have employers’ liability insurance applies even if your employees are voluntary, casual or temporary. However, this law does not apply to immediate family members who work for you.

Apart from the aforementioned regulations covering employers’ liability insurance, there’s no obligation for businesses to have any insurance, and as the expenses involved in setting up a business mount up, it may be tempting to skimp on insurance. But as well as helping you avoid the risk of losing it all, business insurance helps you to maintain a stable, safe business – it’s good practice and provides reassurance for employees and clients alike. In fact, business insurance is often required to secure contracts and many trade organisations now insist that their members are properly insured.


How do I choose the right business insurance?

Making sure you have the right business insurance is important, but with so many products to choose from it’s hard to know where to start. Different industries face different risks.


Legally required - Employer’s liability insurance

  • What does employers’ liability insurance cover? Employers’ liability insurance covers the cost of paying out compensation to employees if they become injured or unwell as a result of working for you. 
  • What level of employers’ liability cover do you need? Employers’ liability claims can be very expensive. If you fail to take out employers’ liability where required, you could face a £2,500 fine for each day you don’t have adequate cover – so it pays to get it sorted!


Good to have - Public Liability Insurance

  • What does public liability insurance cover? Public liability insurance is an essential cover for most types of business. It covers you for compensation and legal expenses if a customer, client or member of the public suffers loss or injury on your business premises or as a result of your business activities. For example, if a customer has a fall in your premises, they might make a claim for compensation. Public liability insurance covers you should this occur.
  • What level of public liability cover do you need? Levels of public liability insurance cover range from upwards of £1m. The minimum level of cover a business can take out is £1 million. However, depending on the nature of your business, you may need more cover.


Other types of business insurance


  • Business premises insurance - also known as commercial buildings insurance, protects your business premises against fire, lightning and other hazards.
  • Business assets insurance, also known as business contents insurance – this usually covers your stock at cost price. Your policy is likely to include cover against theft via forced entry, but won’t usually cover theft by employees.
  • Engineering insurance - provides cover against breakdown for business machinery, including computer equipment. 
  • Professional indemnity insurance - provides protection against any action by clients who believe they received bad or negligent services resulting in a personal loss.
  • Goods in transit insurance - Goods in transit insurance covers goods against loss or damage while in your vehicle or when sent by carrier.