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Compare Business Insurance Online
Being able to Compare Business Insurance has never been easier!
We work with a UK leading Business broker who has access to the most competitive policies.
UK call centres
Well experienced and knowledgable staff
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What is Business Insurance?
Business Insurance is a blanket term given to a range of insurance covers that protect business from losses that arise through day to day trading. The biggest benefit to having a good level of business cover is to ensure you are protected in the event of a compensation claim.
A good business insurance policy will be designed and tailored to cover you, your stuff, your trading activity and the public if required.
Do I need Business Cover by Law?
In short, yes, especially if you employ staff. If you work on your own and only have a small business, you may be tempted to risk not taking out a policy but you will be liable for any claims that arise against you and you will need to pay them.
If you employ staff and don’t have a suitable policy in place, you can be fined up to £2.5k daily as a result.
What makes up a Business Insurance Policy in the UK?
Business policies are primarily consisting of:
Public Liability Insurance
Public Liability Insurance is a vital cover element for most business of any size. It protects you against injury to the public whether that be on your premises or off your premises. If you are involved, a good PL Policy should cover but always check with the advisor. Cover normally ranges from £1 Million to £5 Million but more can be requested.
Professional Indemnity, or commonly known as PI Insurance is a cover that protects your professional services. For example, if your business is service based, you offer advice or simply offer professional services to another business. Professional Indemnity Insurance will protect you. Although not always essential, it is an element you will be silly to leave out.
Employers Liability Insurance is a legal requirement to cover the staff that work for you. It is also a legal requirement for if you have sub-contractors or casual staff work for you. This area of cover ensures you are protected against claims that are bought forward by those working for you whether it be a result of injury whilst at work or sometimes law suits bought forward through disagreements with staff.
Why Use Total Insurance Business Insurance Comparison?
We work with leading business brokers to help find you compare business insurance. We speak with a number of cheap business insurance brokers to find you the best rates for your policy.
Our advisors are on hand to answers you questions and find the right cover for you.
We are the comparison service that is all about YOU
Our comparison service is free and easy to use.
We store your details safely to speed up the process next year if you call.
We employ a well established FCA Regulated Compliance Network to always ensure we do right by you!
The process to finding a competitive policy was quick and easy.
Staff took the time to listen to what I needed and matched me with the right people, shall use again next year!
Advisors were knowledgable and professional. Nor did I get hounded with phone calls either.