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Small Business Insurance

Our dedication to helping our customers find the quality cover at competitive prices has stuck with us for more than 27 years in business.

Why us?

  • As small business specialists, our track record speaks for itself.
  • It is an expertise we have built up over more than 25 years.
  • Our service is delivered entirely through UK-based staff.
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What is small business insurance?

Small businesses form the backbone of the British economy. The majority of them are small, with two-thirds of them owned and run by just one person. An estimated 90% of all businesses employ fewer than 6 people.

But small businesses also operate in a highly competitive environment, where even the slightest error or mistake may prove costly. Risks and perils abound, many might threaten the very existence of your business. That is why you are likely to put the protection of small business insurance high on your list of priorities.

This type of business insurance is extremely versatile and flexible, offering practically any enterprise the opportunity to protect itself against a whole range of potential liabilities, the legal costs of defending those allegations of liability when things do go wrong, and to safeguard some of the most common assets of any business.

Who needs small business insurance?

Depending on your business needs, you might find yourself in need of obtaining different types of insurance. If your business has employees, then it is also legally required to obtain employers’ liability insurance as a part of your duty of care.

They may make up a huge proportion of all British enterprises, but small businesses in this country are remarkably diverse and varied – both in the scale and the nature of their operations.

It means that business insurance, too, needs to equally varied and diverse, capable of offering essential protection to all manner of enterprises. Here, then, are some of the areas of concern likely to be expressed by the typical small business.

What does small business insurance cover?

Your business has a general liability towards just about everyone – your customers, your suppliers, those who visit your business premises, those you go to meet in their own homes or otherwise offsite, neighbours and members of the public at large.

Your business has a duty of care, you owe it to everyone to avoid actions which might result in their being injured or their property being damaged. If you breach this duty of care, you may be held negligent and liable to pay the injured party or parties compensation. Claims arising from your alleged negligence may reach very substantial amounts and it is usual for the public liability insurance which offers you indemnity in such circumstances, to cover a minimum of £1 million.

If you have any employees, you have a similar but quite separate duty of care towards their safety and well-being at work. You may be held liable if an employee suffers an injury or contracts an illness or other medical condition because of the nature of their work for you.


  1. Since 1990, we've been helping businesses find the cover they need to stay protected
  2. UK-based contact centre trained to help you with your insurance queries
  3. We are proud to be a UK Top 100 Independent Insurance Brokerage
  4. Flexibility to adapt your policies throughout the year
  5. 30,000+ customers bought from us and trust with their insurance
  6. Dedicated account manager

What are small business liabilities?

If you are in the business of providing advice, planning, technical drawings, or other professional services, you have a particular duty of care to ensure that the standard of your work meets the standards generally required of anyone in your profession.

If you make a mistake or error in delivering professional advice which results in your client suffering a financial loss – or worse – you may be sued for a breach of your professional duty of care.

In order to work in your practice, some professions may insist that you have a prescribed level of professional liability insurance. Even where there is no such requirement, your clients might look to the reassurance it typically gives and the professional status you may claim as a result.


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