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Trusted by 475,000 customers

Insuring businesses and landlords for over a decade

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Satisfaction score of 9/10

For public liability insurance

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Award-winning claims team

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Business insurance quotes

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.

Fill in our form to compare commercial insurance quotes tailored to your needs.

For more information check out our FAQ page on business insurance.

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: What type of business insurance do I need?

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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.

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Business insurance FAQs

We've got comprehensive FAQ pages that explain a lot more about business insurance. Get the answers to these popular questions:

How much does business insurance cost?

This depends on different factors like the nature of your work, the type of insurance you need, and your cover levels. Businesses that insurers see as riskier will usually pay more for their policy. The easiest way to find out how much business insurance will cost is to run a quick quote.

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Is business insurance a legal requirement?

While business insurance isn't a legal requirement, some regulators may require you to have it in order to operate. The only type of business insurance that's mandatory under the law is employers' liability insurance – it's likely that if you have staff, you need this cover.

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How much business insurance do I need?

Most businesses with employees need to have at least £5 million of employers' liability insurance. It also depends on the nature of your work, and whether clients, contracts or regulatory bodies specify a particular level of cover. Think about how much you might need to pay out in claims if something goes wrong.

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Can I get business insurance before registering my business?

Yes, you can buy business insurance before registering your business, and even before you've started trading. Keep in mind that when buying an insurance policy, insurers will ask for details like your business address, your trade type, and your actual or projected turnover.

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Can I get business insurance without a trade licence?

Yes, as you can buy business insurance before you begin trading. But some types of business will need a trade licence to operate – and if you need a licence and start trading without it, your insurance may be invalid. Trade licences are usually issued by the relevant licensing authority or by the local authority.

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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 help save your trade if you hit a crisis

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Rated 4.6/5 by customers

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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist.

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It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

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© Copyright 2019 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London EC2V 7NG.