Business Insurance UK
Independent guides to commercial insurance for UK businesses — public liability, employers' liability, professional indemnity, cyber, contractor, tradesman and industry-specific cover, explained in plain English.
Cover for Every Trade, Profession and Business Size
The Business Insurance Division covers commercial risk across every stage of a business — from self-employed sole traders to offices, shops, contractors and companies with employees. Whatever your trade or business model, you'll find dedicated departments, practical guidance and comparison tools in one place.
15
Departments
100+
Future Guides
UK
Nationwide Coverage
24/7
Free Resources
Explore Business Insurance Departments
Choose a specialist department below to explore in-depth guides, comparison tools and expert resources for your trade or business type.
Public Liability Insurance
Cover for claims from members of the public injured or whose property is damaged by your business.
Employers' Liability Insurance
Legally required cover if you employ staff — protects against employee injury or illness claims.
Professional Indemnity Insurance
Cover for claims arising from professional advice, services or negligence.
Product Liability Insurance
Protection against claims caused by faulty products your business makes or sells.
Directors' Insurance
Cover for directors and officers against personal liability claims relating to their management decisions.
Cyber Insurance
Protection against data breaches, ransomware and other cyber incidents affecting your business.
Contractor Insurance
Cover tailored to independent contractors and freelancers working across different clients and sites.
Tradesman Insurance
Combined cover for tools, liability and income for tradespeople on and off site.
Self-Employed Insurance
Cover options for sole traders operating without the structure of a limited company.
Office Insurance
Combined cover for office contents, equipment, buildings and business interruption.
Shop Insurance
Cover for retail premises, stock, contents and public liability for shop owners.
Restaurant Insurance
Specialist cover for food premises, equipment, stock spoilage and hospitality-specific risks.
Engineering Insurance
Cover for plant, machinery and equipment breakdown, inspection and related liability.
Event Insurance
Cover for public liability, cancellation and equipment risks around organised events.
Commercial Combined Insurance
Multiple business covers — property, liability, contents — bundled into a single policy.
Business Insurance FAQs
What is business insurance?
Business insurance is a category of cover that protects a company against financial loss from risks such as liability claims, property damage, cyber incidents, or the death or incapacity of a key person.
Is business insurance a legal requirement in the UK?
Employers' liability insurance is a legal requirement for almost all UK businesses with employees. Other types, such as public liability or professional indemnity, are not legally mandatory but are often required by clients, landlords or industry bodies.
Which insurance does a small business need?
It depends on the business. Most trades and services benefit from public liability insurance, businesses with staff need employers' liability insurance, and those giving advice or professional services typically need professional indemnity insurance.
How is business insurance priced?
Pricing depends on factors such as industry/trade, turnover, number of employees, claims history, the level of cover chosen and the specific risks the business faces.
Related Insurance Divisions
Continue exploring other specialist insurance divisions available on PrimeInsuranceUK.
Property Insurance
Buildings, contents, landlord and commercial property insurance.
Protection Insurance
Income, life, mortgage and financial protection insurance.
Motor Insurance
Car, van, motorcycle, taxi and fleet insurance.
Agricultural Insurance
Farm, crop, livestock and agricultural vehicle insurance.
Written and reviewed under our site-wide editorial process. Last reviewed: .