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We’ve dedicated people ready to supply the best possible service, including an experienced claims team on hand to help, when you need it most.
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We’ll arrange cover and issue documents, from day one

What our customers say about us

Toby Hill
Toby Hill
Centrium Ltd
As a small business, we’re reliant on trusted partners. With escalating operational costs, we need partners who are prepared to go that extra mile to deliver value. Rob and his teams have often done this, going to great lengths to meet our requirements. Friendly, flexible and meticulous in their approach.
Peter Anderson
Peter Anderson
Anderson Videography
Happily recommend these guys! I’ve known and worked with them for many years and always known them to provide a great service, while taking time to understand our needs. We’ll certainly be using them when our renewal comes up, as they’re also happy to say when a product isn’t suitable for your business too.

Any questions?

How much does business insurance cost?
Business insurance will vary in price depending on several factors, such as:
  • Your industry or profession
  • How much cover you require
  • The types of cover you require
  • The size of your business
  • Your claims history
  • Whether or not you buy combined or packaged insurance or choose to purchase individual policies
  • The level of excess you’re willing to pay
Do I need business insurance if I work from home?

There’s no special insurance required for working from home, but it’s a good idea to check if your home or contents insurance covers any business equipment you have.

If you have people coming to your home for business, it can be a good idea to ensure you’ve got public liability insurance.

If you work from home and run your own business, you may still need business insurance, depending on the nature of your business and the risks involved.

For example, if you provide professional services, such as accounting or legal advice, you may need professional indemnity insurance to protect you against claims of negligence or errors. If you manufacture and sell products, you may need product liability insurance to protect you against claims of injury or property damage caused by your products.

It's best to speak with an insurance provider to determine what business insurance you may need for your specific situation.

Is it illegal not to have business insurance?

The only type of business insurance that’s a legal requirement is employer liability insurance, as long as you have employees. A few exceptions exist, such as unincorporated family businesses that only employ family members or employees based abroad.

All other types of business insurance aren’t legally required, though this doesn’t mean you shouldn’t consider them.

What happens if I don’t have business insurance?

If you don’t have employers’ liability insurance when you have employees, you could be fined up to £2,500 every day you’re not insured.

For all other types of business insurance, whilst there are no fines for not being insured, it could still cost you, especially as a small business.

Imagine someone gets seriously hurt in your shop and sues your company, or your premises is damaged due to a fire, and you need to replace all your equipment or even move to a new location.

Whilst these things are worst-case scenarios, they’re still possibilities, and not being insured could potentially bankrupt your business.

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