Flexible cover for commercial businesses
Are you getting the best possible business insurance deal?
- Trusted products for commercial businesses
- Speak to an insurance expert who’ll help you get the right cover
- Our dedicated team and tailored products make it easy to switch
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Get a tailored quote for your business
Our flexible business insurance meets the needs of a diverse range of commercial businesses.
You can get a tailored quote online (just put in a few details to see a price), or give us a call and speak to one of our experts.
- We work with a selection of trusted insurers to find a competitive quote, giving you choice and flexibility
- Our insurance experts understand no two businesses are the same and can help you get the best cover for your business
- More than 800,000 customers have chosen Simply Business – we’re rated 4.7/5 on Feefo and received the Platinum Trusted Service Award in 2022
Benefit from personalised support
Our expert team understands bigger businesses like yours and can help you get the right insurance.
If you switch to Simply Business, you’ll get a dedicated insurance expert assigned to you. They’ll take the time to find out how your business works and ask the right questions.
This tailored service can give you the reassurance that your business is covered should the worst happen.
The Kada Coatings team
‘Carol at Simply Business asked questions until she understood what we were about. We trust and respect Carol and Simply Business because she found us the right insurance cover – we wish we’d found them sooner.’
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Get a £300 gift card when you switch to us*
As a thank you for choosing Simply Business, we’ll send you a £300 gift card when you switch to us for your insurance. You can use this at a choice of 10 retailers, including:
- Amazon
- Screwfix
- John Lewis
- M&S
- B&Q
To get your gift card, you need to call our expert team and buy over the phone, quoting BONUS. Our experienced team will help you find a quote. You know your business inside out, so our experts tap into that knowledge to find a policy that suits your needs.
Insurance for commercial businesses
Our customer-focused team has built up knowledge about the insurance needs of commercial businesses, from manufacturers and wholesalers to metalworkers and engineers.
This has helped us to develop a commercial combined insurance product you can tailor to suit your business. Whether you want to cover yourself for accidents on site, legal disputes with clients, or the machinery you need to run your business, you pick what goes into your policy.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Chosen by 800,000 SMEs and landlords
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Commercial insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
While it isn’t illegal to have no commercial insurance in place, some regulators may require you to have it before you can operate. The only type of commercial insurance that’s compulsory by law is employers’ liability insurance. If you have staff, it’s likely that you’ll need this cover.
This depends on different factors like the type of work you do, what kind of insurance you need, and the level of cover you need. The riskier insurers think your business is, the more you’re likely to pay for your policy. Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
A small commercial business insurance policy with public liability insurance could start from as little as £6.56 a month.
Most businesses with employees need to have at least £5 million of employers’ liability insurance. Other covers depend on the type of work your business does, and whether clients, contracts or regulatory bodies need you to have a certain level of cover. You can think about it in terms of how much you might need to pay out in claims if something goes wrong. Simply Business offers £10 million of employers’ liability insurance.
Yes, you can buy commercial 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, the type of work you do, and your actual or expected turnover.
You can buy commercial insurance before you start trading, but some types of business will need a trade licence to operate. If you need a licence and begin trading without it, your insurance may be invalid. Trade licences are usually issued by the relevant licensing authority or by the local authority.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- Business insurance
- Public liability insurance
- Employers’ liability insurance
- Product liability insurance
- Personal accident insurance
- Business legal insurance
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions