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Small Business Insurance
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.
If you have more than 10 employees, 3+ temporary employees, then the online-quote is not for you. We can still help so CALL 0800 029 3585.
Do you need Professional Indemnity or Medical Malpractice insurance cover instead?
If you are a professional and need indemnity insurance in addition to Public and Employer’s then follow the links below for more information. If you are not sure about the different types of business cover then follow this link for more information on the types cover.
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
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
Other ‘Stuff’ we can’t cover
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
Property in the Insured Care Custody and Control
Tour Operators third party liability including ABTA cover
War and allied risks
Warehouse Keepers Liability
Excluded Business Activities.
While this is not a complete list, it gives you a clear idea of what businesses we can and can’t cover.
Adult shops, cinemas or Lap Dancing Clubs and Adult products manufacturers
Food Risks with non LPC approved combustible panels
Gun shops, manufacture or supply of arms and munitions (other than as part of an organised sporting shoot)
Landfill sites, waste and recycling risks
Manufacture, storage, filling, breaking down, or transport of toxic materials, toxic waste, dangerous or explosive products, asbestos, chemicals, petro-chemicals, fertilisers inc Petrol filling stations
Tobacco Manufacturers or wholesalers (other than cash and carry warehouses)
Sawmills, Mining and Quarry Risks
Schools, academies or colleges of further education) including residential children’s homes other than specialist schools
Riding establishments, hunts and any equine risk other than where incidental to business
Airships, aeroplanes and aircraft other than radio controlled models
Demolition as a sole occupation
Offshore or Underwater risks
Ship building/breaking/repair except for pleasure craft under 15 metres
Work in connection with railways other than private sidings or railways used for pleasure purposes and narrow gauge railways, heritage and miniature railways
Tower Crane erectors
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