Business insurance

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Get a tailored business insurance quote from a range of leading insurers to make sure your business is protected. Call us or buy online in minutes.

Our business insurance is specially designed for small businesses and all their unique needs. We’re here to help you make sense of the different types of cover and find the right policy for you, leaving you free to focus on making a success of your business.


What is business insurance?

Business insurance protects businesses against losses that happen as a result of normal business activities – particularly when a compensation claim is made. There are different types of cover for different types of risk, from legal liability, to property damage, to employee-related issues.

Need more detail? Read our FAQs:

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What type of business insurance do I need?

The cover you need depends on your individual setup. Simply Business offers public liability, professional indemnity, employers’ liability, and a range of other types of business insurance.

Here’s an example public liability insurance claim: a plumber installed a plastic push fitting which failed and caused a leak. It also affected neighbouring houses. The claim was settled for £160,000, of which the plumber only paid £500.

Read our FAQ: Is business insurance a legal requirement?

Building your business insurance policy

You can build your policy from a range of different covers to suit your individual needs.

Most businesses are only legally required to take out employers’ liability insurance – if they have employees, contractors, casual workers or temporary staff working for them.

So it’s up to you to decide what cover works best for your line of work.

Employers’ liability insurance covers claims from employees who’ve been injured or become seriously ill as a result of working for you.

Public liability insurance protects you if someone is injured or their property is damaged because of your business.

Professional indemnity insurance covers you in the event that your business gives faulty advice that causes financial loss to a client.

Why cover your business?

Business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

  • Cover like public liability can protect you from expensive claims for the smallest slip-ups
  • Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
  • Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they want, we’ll help you get started
  • Additional covers like protection for stock, business interruption, equipment, contents and buildings can save your trade if you hit a crisis

Customer reviews

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“The agent who dealt with my business was very dedicated, considering there were several properties on the policy all with varying requirements. He is an asset to your company.”

John Sheppard, Landlord

What our customers are saying

We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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