Compare small business insurance

Compare insurance policies that could save you money while protecting your small business. With the right public and employers' liability cover, you won’t have to pay for claims out of your own pocket.

  • Find small business insurance by comparing a range of policies
  • Choose your levels of cover and payment options
  • Get a quote for small business insurance in five minutes

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How to compare small business insurance

1

Please enter your details

Ensuring you provide the correct details will allow us to provide our best small business insurance quotes.

2

Compare your options

A cheap small business insurance deal might catch your eye however review the options to ensure the cover offered is the best fit for the insurance your business needs.

3

Apply and save

Monthly and annual payment options are available - paying for the policy upfront in some cases means cheaper small business insurance. Once you've reviewed the options simply apply with your chosen provider.

How to find the best insurance for your small business

Getting the right insurance policy for your small business will depend on:

  • The type of business you run

  • The size of your business

  • Whether you have any employees

  • The cover you need for your business premises

Think about what your business needs, and then get as many online quotes as possible to find the best policy.

Here is more about how business insurance works

What cover do you need?

The main types of insurance your business may need include:

  • Public liability: This covers you for third party injury, illness and death, and property damage caused by your work. For example, a customer slips over and is injured at your business premises.

  • Product liability: This covers you if products you sell injure your customers, or make them ill. For example, if you sell food and a customer gets food poisoning.

  • Employers' liability: This is a legal requirement if you employ paid or voluntary staff. It covers claims for injury, illness or death of your employees at work.

  • Professional indemnity: This covers claims made against you by clients who have lost money because of work you did for them. For example, if you give incorrect advice or make a mistake in a document.

  • Buildings and contents: This provides cover for your business premises, and its contents. This could include stock, equipment, tools and machinery.

If you are unsure what cover your business needs, speak to a broker who can advise you what type of cover is best.

Here is how to get the right insurance for your small business

How to keep costs down

Compare policies online to get the right cover at the cheapest price. This helps you haggle with insurers, as they may be willing to beat the prices of their competitors.

You can also choose a higher voluntary excess, which could save you money on your insurance premium. But make sure you can afford to pay your excess if you make a claim.

If you can afford to pay in full, this could save you money because most insurers charge interest on monthly direct debits.

Small business insurance FAQs

Compare another type of business insurance

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What is business insurance?

Business insurance is essential if you run your own company, and you could be breaking the law without it. Here is how business insurance works.

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How to insure your business

Whether you are a sole trader or you own a large company, business insurance is a must. Here is why you need insurance and how to get the right cover.

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How to claim on your business insurance

If your business suffers a financial loss, your insurance could cover the cost. Here is what you need to know about making a claim on your business insurance.

What you need to make a claim

Why get business insurance with money.co.uk?

By getting business insurance you could save money on the policy. The best value business insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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Last updated: 13 May 2022