Small Business Insurance
Customers, contracts, people and technology all bring responsibilities into the everyday running of a business. The right insurance helps protect what you're building and gives you one less thing to think about.
Small businesses come in all shapes and sizes. You might work alone, employ a team, deal directly with customers or provide specialist services to other businesses.
Your insurance should reflect how your business operates, the people involved and the responsibilities that come with running it.
Covering small businesses including:
Every business operates differently. Explore cover designed for your premises, your people and the day-to-day running of your business.
Helps protect if someone is injured or their property is accidentally damaged because of your business activities.
From £5 a month
View Cover →Protection against claims arising from professional advice, services or mistakes that cause a client financial loss.
From £8 a month
View Cover →Protection if an employee is injured or becomes ill through their work, and legally required for most UK employers.
From £5 a month
View Cover →Helps your business respond to cyber attacks, ransomware, data breaches and other digital threats.
From £5 a month
View Cover →Support with certain employment, contract and tax disputes, plus access to legal advice.
From £6 a month
View Cover →Helps protect directors and senior decision-makers against claims arising from decisions made while running the business.
From £5 a month
View Cover →Prices shown are average monthly equivalents of annual premiums. Your price will depend on your business and the cover you choose. Monthly payments are available at 0% APR, with a higher first payment.
A small business can involve customers, employees, contracts, premises and technology, often all at the same time.
If customers, suppliers or members of the public visit your premises, or you work at theirs, accidents and accidental property damage can lead to claims.
If customers rely on your advice, designs, recommendations or specialist services, an alleged mistake could result in a claim for financial loss.
Employing staff, apprentices or other workers can bring additional health & safety responsibilities and Employers' Liability requirements.
Email, cloud systems, online payments and customer information are now part of everyday business. A cyber incident can interrupt operations and create financial and practical consequences.
Customers, landlords, suppliers and other commercial partners may require particular types of insurance or minimum limits as part of an agreement.
Tell us about your business and see the cover available online.
Eligible policies include access to practical legal support and business resources to help with the everyday challenges of running your business.
Speak to qualified solicitors about business-related legal issues, including employment law, health & safety, contracts and commercial disputes.
Access ready-to-use contracts, policies, procedures, guides and templates designed to help with the practical and legal side of running your business.
Still not sure? Call us on 01225 284968.
That depends on what your business does, whether you employ people, how you interact with customers and any contractual requirements you have.
Public Liability, Professional Indemnity, Employers' Liability, Cyber and other covers may be relevant depending on how your business operates.
Most types of business insurance are not legally compulsory.
Employers' Liability Insurance is legally required for most UK businesses that employ people, subject to limited exemptions. Other types of cover may be required by customers, landlords, professional bodies or contracts.
It can still be relevant if you visit customer premises, attend events, work in shared spaces or otherwise interact with members of the public as part of your business.
It can be. If your business uses email, cloud software, online payments or stores customer or employee information digitally, Cyber Insurance can help with the financial and practical consequences of a cyber incident.
Yes. Your online quote will show the cover options available based on the information you provide, allowing you to choose the protection relevant to your business.
Yes. Monthly payments are available at 0% APR, with a higher first payment.
Online insurance available through Captivo is provided by Markel, a long-established specialist insurer supporting thousands of UK businesses across a wide range of professions and trades.
Full insurer and policy details are shown before you buy.
Explore the cover options available and choose what works for your business.
