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Small Business Insurance

Get essential work cover for your business

Know what cover you are looking for?

Business Quick Quote

Get a Quote

Looking for the right buisness insurance?

95% of small businesses, sole traders and free lancers can be insured through us. As a small business, you can get a quote in 5 minutes for your key insurance needs in Public, Product and Employer’s liability and also cover your plant equipment and tools. If you are a returning customer then welcome back to retrieve your quote.

Business Quick Quote   Business Quick Quote

You can find the important details in our ‘Insurance Policy Package Overview‘ and the ‘PLEASE READ’ for our service, claims and complaints information.

electrician mending a switch

Who is this cover for?

The policy package is designed specifically for very small businesses.

We understand that business insurance can appear very complicated and there are a lot of technical terms and points to consider. Our aim is to help make things clear – whether you take a policy with us or not. If you are new to business then find out more about common types of business insurance.

What does it cover?

Please note: The detailed cover is set out the terms and conditions of the policy and there are some businesses we can’t provide with insurance.

What is not covered under these policies?

If you have more than 10 employees, 3+ temporary employees, or work with other than hand tools, then the online-quote is not for you. We can still help so CALL US 0800 029 3585.

Freelancers. If you are looking for Professional Indemnity or Medical Malpractice insurance cover in addition to Public and Employer’s then follow this link for more information.

We won’t be able to insure you if you: have an undischarged bankruptcy order; have failed to comply with Health & Safety notices; have unspent criminal convictions for serious crimes.

The detailed cover is set out the terms and conditions of the policy and there are some businesses we can’t provide with insurance.

We support our Armed Forces and ‘Blue Light’ services! – get a discount from Defence Discount Services or Blue Light Card; or call us for a code to use online (T&Cs apply).

Call-back Request

If you would like one of our team to call you back then please fill out the form below.

‘Call us!’

Telephone: 0800 029 3585

Monday – Friday 0900-1700

(excl Public Holidays)

Product Liability Exclusions

  • Manufacture of latex prophylactic barriers used against disease/infection
  • Aircraft, satellites, spacecraft, rocket, missile or other aerial devices except radio controlled models
  • Any product used in aircraft (other than food, drink, hospitality, disposable, duty free, free issue personal comfort items)
  • Pesticides, fungicides, dyes and pigments, other than wholesale and retail sales
  • animal feeds other than pet foods
  • cosmetics
  • celluloid and pyroxylin
  • tobacco other than wholesale and retail sales
  • Manufacturer of safety critical marine or motor parts
  • Pharmaceutical risks other than:
    a) retail of pharmaceutical products
    b) wholesale general sales list medicines (i.e. over the counter medicines) for products sourced
  • Sun-bed manufacturers

Other ‘Stuff’ we can’t cover

  • Professional Indemnity
  • Electronic Risk
  • Nuclear risks as specified under the Nuclear Act 1965 and radioactive contamination other than radioactive isotopes
  • Property insured under a marine policy
  • Employment practices cover
  • Environmental Impairment Liability (EIL)
  • Environmental Liability Directive (ELD)
  • Pollution other than Sudden and Accidental
  • Product Defects/Recall
  • Property in the Insured Care Custody and Control
  • Tour Operators third party liability including ABTA cover
  • War and allied risks
  • Warehouse Keepers Liability
Services Family and Services Family Insurance are trading names of Services Family Ltd which is an appointed representative of Tapoly Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 783637 to carry on insurance distribution activities. Services Family Ltd is registered in England and Wales, company number 09079706. Registered address: 22 St George’s Street, Stamford, Lincolnshire, United Kingdom, PE9 2BU. Copyright 2018-22. All rights reserved. Some images subject to Crown Copyright OGL.