Business Cover

Instant business insurance in minutes.

Modular commercial cover for UK SMEs. Pick only what you need — one platform.

Liability

Public Liability

Covers claims if someone is injured or their property is damaged because of your business

Essential cover for any business that interacts with the public. Protects you if someone is injured or their property is damaged as a result of your business activities.

Third-party injury claimsProperty damage liabilityLegal defence costsCourt compensation awardsContractor-friendly

Up to £10m

cover limit

Employers' Liability

Legal requirement if you employ staff — covers injury or illness claims

A legal requirement if you have employees. Covers compensation and legal costs if an employee is injured or becomes ill because of their work for you.

Legal requirement for employersEmployee injury claimsWork-related illnessLegal defence costs£10m limit as standard

£10m

cover limit

Professional Indemnity

Covers claims of negligent advice, errors, or omissions in your professional services

If a client claims your professional advice, design, or service caused them financial loss, PI covers your legal costs and any compensation. Essential for consultants, IT, accountants, and creative professionals.

Negligent advice claimsErrors & omissionsBreach of dutyLoss of documentsLegal defence costs

cover limit

Property & Assets

Business Contents

Cover for the equipment, stock, and furnishings inside your premises

Protects everything inside your business premises — equipment, stock, furniture, and fittings — against loss or damage from fire, flood, storm, theft, and more.

Contents cover up to £1.5mStock & equipmentFurniture & fittingsStorm, flood & fireTheft & vandalism

Up to £1.5m

cover limit

All Risks

Broader cover for accidental loss or damage to business assets

Broader protection for business assets against accidental loss or damage, including items taken away from your premises.

Accidental loss or damagePortable equipmentTools & instrumentsAway from premisesWorldwide option

cover limit

Specialist

Cyber

Protection against data breaches, cyber attacks, and digital disruption

Covers the costs of responding to a data breach, cyber attack, or digital disruption — including legal fees, notification costs, and lost income.

Data breach responseRansomware & extortionBusiness interruptionRegulator notification costsCrisis management

cover limit

Why careless?

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100% digital

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Modular cover

Pick the covers you need, one contract.