Explore public liability, professional indemnity, employers' liability and specialist cover from FCA-authorised UK insurers. Find insurance built for your specific trade.
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Select your category to find insurance tailored to your specific trade, profession and risks. Each page includes cover recommendations and an FAQ.
Most business insurance is made up of these core cover types — available individually or bundled into a combined policy.
Covers legal costs and compensation if a client or member of the public is injured or has property damaged as a result of your business. Required by most clients and contracts.
Covers claims of negligence, errors or bad advice from clients. Essential for consultants, designers, IT contractors and any advice-based business.
Legally required if you employ anyone. Covers claims from employees who are injured or made ill as a result of their work. Minimum £5 million cover by law.
Covers tools and specialist equipment against theft and accidental damage — whether at your premises, in transit or on a client's site. Critical for tradespeople.
Replaces lost income if your business is unable to operate following an insured event. Covers ongoing costs during the recovery period.
Covers data breaches, ransomware and cyber incidents. Increasingly important for businesses of all sizes that handle customer data or operate online.
Quotes from FCA-authorised UK insurers and brokers
A few things worth checking before you buy, whichever UK insurer or broker you choose.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can explore real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when quotes go live.