Small business insurance

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Professional indemnity insurance for small business UK
Professional indemnity insurance for small business UK
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The problem

Small businesses face many risks

Liability claims

Every business, irrespective of its size, faces liability risks. Accusations of causing an injury, property damage or financial loss can come from clients, employees and third parties.

Damage or loss to business premises and equipment

Whether you just own a laptop or have business premises with specialist equipment, the cost of repair or replacement may have a serious impact on your business without the right insurance.

Contract disputes and unpaid invoices

As a small business you conclude your own contracts and you are responsible for carrying out the promised services. If your client feels you have not delivered, you may face claims of refunds, requests for free extra work or goods or be left with an unpaid invoice.

Loss of data

Many businesses trade online, store their customer data, and rely on their website to bring customers in. Cyber attacks are a common place and small businesses are no exception as they often make an easier target.

Small business insurance UK

You need small business insurance that offers protection against risks too costly to bear

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Small business professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does small business insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers small business owners should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

In detail

Business liability insurance

A question “Do I need liability insurance for my small business?” is usually asked by those just starting up but surprisingly established businesses often ask the same.

Some liability insurance is required by law, such as employers’ liability while other requirements will depend on your risk appetite or the requirements by your clients or regulatory bodies.

The next question often asked is “How much is liability insurance for a small business?”. It’s difficult to provide an accurate answer. Small business liability insurance cost will depend on your profession, turnover, claims and industry. It can start from as little as a few pounds a month.

Small business professional indemnity insurance

Sometimes known as small business professional liability insurance, this cover protects businesses that offer their skills and expertise to solve their clients’ problems.

If you are one of those businesses, professional indemnity insurance is an essential cover to provide you with legal defence if a client accuses you of causing them a financial loss.

A financial loss comes in many different forms. An accountant can misadvise on their client’s tax return and as a result the client now demands financial compensation.

A client may demand more work worth thousands of pounds for free if they feel what you have delivered to date is not satisfactory.

A financial remedy may be asked of a personal trainer if their advice led to a client injury who now wants money to cover further treatment and loss of earnings.

Small business public liability insurance

Any self employed professional or small business in physical contact with their clients or third parties during the course of business activities are likely to require this cover.

Property damage and injury claims are common and while compensation may not always be awarded, it is the cost of the legal defence that can be crippling for a small business.

Public liability insurance for small businesses covers all legal costs and possible payout if you are deemed liable.

Employers’ liability insurance for small businesses

Most businesses, even the small ones, that engage employees on a full time, part time or  contract basis must have employers’ liability insurance by law. This also applies to limited companies with more than 2 directors.

As an employer, you have responsibility under the law to provide a safe working environment for your workforce and employers’ liability cover protects you if you’re accused of failing your duty of care.

Directors & officers liability

As a business owner and director you have responsibilities in running your business in a certain manner.

Certain parties - investors, mortgage providers, banks, regulators - expect you to do exactly that might believe that you have been negligent or careless.

One of these interested parties could present you with a claim of mismanagement, incorrect conduct, being inaccurate with facts surrounding your business or saying the wrong thing in the public domain.

D&O, also known as management liability insurance, protects you from such accusations by providing legal and financial protection against legal action, fines, penalties, and disqualifications whether paid by the business or you directly.

Premises & equipment business insurance

If you need premises, stock or certain equipment to carry out your business activities, then you might need certain types of business insurance to protect those assets.

Fires, flooding, theft and vandalism aren’t unfortunately uncommon and the repair or replacement costs could become financially unbearable, should the worst happen.

Small business content insurance

This is a cover that protects your stock, goods, fixtures and fittings against physical loss or damage including theft. Typically this type of insurance either offers to pay for the cost of repair or replacement or new for old.

Buildings insurance is usually arranged by the landlord if you are renting your business premises. However, if you’re an owner, commercial buildings insurance would be essential.

Business equipment insurance

Protecting your more expensive business equipment with insurance could be the difference between you being able to carry on with your work or having to over extend the limit of your credit card to secure another piece of essential equipment.

Business equipment insurance, especially for portable items, can be more expensive but it’s worthwhile considering if, without some of your gadgets, you can’t run your business.

Small business interruption insurance

This cover is useful to businesses that would suffer if they had to close down their business location. Places like shops, fitness clubs, health & beauty salons and others.

This could be a consequence of fire or a burst pipe. You will recover the cost of repairs under your premises insurance but while you wait for repairs to take place, you may not be able to trade.

You can expect financial help with the loss of revenue your business has suffered and the increased costs of working while you are getting back on track with your business running.

Very few business insurance providers recognise that businesses can suffer just as significant interruption to their operations from not being able to trade online. If you’re an online business, you will need to check the wording carefully to understand whether it could cover your circumstances.

Business cyber insurance

Small businesses are just as much in need of cyber cover as the large ones. Hackers will attack anyone who appears to be vulnerable to their efforts.

In fact small businesses are usually easier as they don’t tend to spend as much on cyber security.

If you hold customer data, rely on your website for business, or store confidential client information, you may wish to consider this cover which will assist you with the data recovery, get you up and running and some might pay ransom if demanded.

Small business life insurance

As a small business owner, you’re key to it. Without you, there is no business and possibly your family or those close to you would be left without income.

Life insurance isn’t protection of your life but rather a cash injection for those who rely on you. There are many forms of covers which are considered a business expense and can be written off against your profits.

Small business insurance costs

As you would expect, the answer to this question varies dramatically because each business is unique and business owners have a different perception of risk.

Getting affordable small business insurance is usually important to owners. Look for small business insurance quotes online as that is usually the best place if you want to keep costs down.

Technology has enabled providers to offer small business insurance quotes in a streamlined way stripped of extra charges which has had a positive impact on business insurance premiums.

You will often find that buying directly online is cheaper than engaging a broker.

In this section

Common questions

What is small business insurance?

Small business insurance consists of several cover types designed to protect you and your business from liability claims, physical loss and damage, and the impact of ill health or death.

How much insurance do I need for my small business?

Consider your business circumstances such as your industry requirements, professional risks, clientele, physical assets and your own personal circumstances before deciding which covers to buy.

Do I need insurance for my small business?

You may be required to have some insurance in place by law, regulators or by your client contracts.

Where can I get business insurance for my small business?

You can either find an online provider like Suited or contact a broker.

Contact us
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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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