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Small Business Insurance

Small Business Insurance

Get essential work cover for your business

Know what cover you are looking for?

Get a Quote

Retailer, shop or cafe? – Call us for a quote 0800 0293585 or message us.

Looking for the right business 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.


Retrieve a Quote  Get a Quote


Shops, cafe please call us on 0800 0293585 for a quote or email for a call back.

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


personal fitness trainer

Who is this cover for?

The policy package is designed specifically for very small businesses. We can cover up to 250 different trades and businesses with less than 10 employees. For example:

  • Skilled Trades
  • Yoga and Wellbeing
  • Dog Walking
  • Arts and Crafts

We understand that business insurance can appear complicated and 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.


Policy Package Overview Get a Quote


What does it cover?

Our small business cover includes:

  • Public Liability cover
  • Product Liability cover
  • Employers Liability cover as an option
  • Tools cover as an option
  • Plant and equipment cover as an option

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


Policy Package Overview Get a Quote


man drilling floor boards

What is not covered under these policies?

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.


Medical Malpractice Insurance     Professional Indemnity Insurance


Entitled to a discount?

We support start-up, local and micro-businesses – why not call us for a discount.

We also support our Armed Forces and ‘Blue Light’ services! If you or a family member are registered, use Defence Discount Services or Blue Light Card; or call us for an online code (T&Cs apply).


Some Key Exclusions

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.


Policy Package Overview     Services Information Summary

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

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
  • Furriers
  • Gang-master Risks
  • 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
  • Pallet Manufacture/Repair
  • 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
  • Zoos/Circuses/Fairs