Limited company insurance

Protect your Ltd company in minutes

Getting the right insurance for your limited company is important. It’s the back-up your business needs if a compensation claim is made against you.

Your limited company insurance requirements depend on the type of Ltd company you run and the risks you face.

Main types of business insurance for limited companies

Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million of public liability cover.

Employers’ liability insurance is a legal requirement for most limited companies that have employees, contractors, casual workers or temporary staff. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

With Simply Business you can combine multiple covers and tailor your policy to suit your own needs. Start a quote comparison now and get your Ltd company covered in just a few easy steps.

Cover from £6.77 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.77 or less across all our trades insured. Based on data from 1 Jan 2021 - 31st August 2021, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Why Simply Business?

• We're one of the UK's biggest business insurance providers
• All settled claims paid within 24 hours
• 9/10 Feefo ratings say we’re good (or excellent)
• 800,000 customers (and counting)
• Claims handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

Need more information? Check our Knowledge Centre:

• Main types of business insurance
• Do I need public liability insurance?
• Do I need employers' liability insurance?

See our business insurance FAQ.

What insurance do I need as a limited company?

If you employ people, you’re usually legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

• Public liability insurance can protect you from compensation claims, which can be so high that they’re impossible for a business to pay
• 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 require, we’ll help you get started
• Additional covers like protection for stock, business interruption, business equipment insurance, business contents and building insurance can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business