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Best Public liability cover for UK sole traders and micro-SMEs

Non-sponsored, Expert Verified and Transparently Ranked Public liability cover for UK sole traders and micro-SMEs

Published December 18, 2025

Executive Summary

We analyzed 5 solutions. Top Recommendation: Business insurance by Simply Business scored highest due to Best for UK sole traders, self-employed and micro‑SMEs that need tailored, multi‑cover business insurance across 1, 500+ trades. Compare quotes, buy online fast, and get same‑day documents from a leading broker, with UK‑based expert support and prices from £5.64/month [1], [2], [3].

At a Glance

5
Providers Compared
0
Verified Providers
100%
Evidence Coverage
#1
Top Recommendation

Business insurancebySimply Business

Best for: Best for UK sole traders, self-employed and micro‑SMEs that need tailored, multi‑cover business insurance across 1, 500+ trades. Compare quotes, buy online fast, and get same‑day documents from a leading broker, with UK‑based expert support and prices from £5.64/month [1], [2], [3]

View Full Details →

Side-by-Side Comparison

Best For
Best for UK sole traders, self-employed and micro‑SMEs that need tailored, multi‑cover business insurance across 1, 500+ trades. Compare quotes, buy online fast, and get same‑day documents from a leading broker, with UK‑based expert support and prices from £5.64/month [1], [2], [3]
Pricing Structure
Tailored, quote-based pricing. Public liability starts from £5.64/month (10% paid this or less for up to £2m cover); prices guaranteed for 30 days and equivalent monthly excludes extra costs for paying monthly. Pay monthly or annually. Adding covers (e.g., employers’ liability, tools, PI) increases the premium. (simplybusiness.co.uk)
Coverage Limits Options
Coverage limits options: Public liability £1m, £10m; Employers’ liability £10m as standard; Professional indemnity £50k, £5m. (simplybusiness.co.uk)
Customization Flexibility
Highly configurable: build a tailored policy, choosing only needed covers (e.g., combine public liability with professional indemnity, tools, stock, employers’ liability). (simplybusiness.co.uk) Select cover limits (public liability £1m, £10m). (simplybusiness.co.uk) Policies paid by card can be changed online mid-term; extra cover may be added to existing policies. (help.simplybusiness.co.uk)
#1
Simply Business logo

Simply Business

Business insurance

by Simply Business

simplybusiness.co.uk

Simply Business

Company Information

Simply Business is one of the UK's largest business insurance providers, offering fast and flexible cover for small businesses and landlords. They provide a range of insurance products, including public liability, professional indemnity, and employers' liability insurance, as well as landlord insurance and van insurance.

Company Overview

What They Do: Provide business and landlord insurance, allowing customers to compare quotes and obtain tailored coverage.
Who They Serve: Small business owners and landlords in the UK.

Company Details

Industry: Insurance
Type: private
Employees: 501-1K
Founded: 2000
Location: London, ENG

Financial Information

Revenue: 50m-100m

Contact Information

Trust & Compliance

Financial Conduct Authority
Data Protection Act

Key Value Propositions

  • Tailored insurance quotes in minutes
  • Coverage for over 1,500 trades
  • 24/7 claims support
  • High customer ratings on Feefo

Technology Stack

CloudFlare CDN
Gmail
Google Apps
Microsoft Office 365
Route 53
Zendesk
Amazon-Cloudfront
Amazon-S3
Cloudflare-Cdn
Gatsby
Google-Analytics
Google-Tag-Manager
Google-Workspace
Microsoft-Azure-Cdn
React
Unbounce

Industries Served

Business Insurance
Landlord Insurance

Social Proof

Customer Testimonials

The agent was really helpful and knowledgeable.

Lisa was great on the phone – friendly, efficient, and got me a great price for landlord insurance.

My call was answered quickly. The advisor was friendly and extremely helpful.

Simply Business was clear, concise and timely from start to finish.

Customer Reviews
Feefo
2025-05-01
4.6

"Simply Business provided excellent service and tailored coverage."

Trusted By
Hiscox
AXA
Case Studies
Customer Success Story: Landlord Insurance

John Doe

John found the perfect landlord insurance policy quickly.

Read Case Study

Social Links & Discovery

Categories

b2b
b2c

Keywords

business insurance
landlord insurance
public liability insurance
professional indemnity insurance
employers' liability insurance
van insurance
small businesses
insurance brokerage
entrepreneurship
B-Corp

Target Customers

Small business owners
Freelancers
Landlords
Tradespeople

Summary

Business insurance protects businesses against losses resulting from normal business activities, such as compensation claims, property damage, or employee-related issues. Simply Business offers a platform to compare and buy tailored business insurance policies from leading UK insurers.

Overview

Business insurance from Simply Business provides tailored cover for small businesses in the UK, protecting against a range of risks including public liability, employers’ liability, professional indemnity, and more. Customers can compare quotes from leading insurers, buy online or by phone, and receive documents the same day. Cover is flexible and can be customised to suit over 1,500 trades, with prices starting from £5.64 per month.

Best For

Best for UK sole traders, self-employed and micro‑SMEs that need tailored, multi‑cover business insurance across 1, 500+ trades. Compare quotes, buy online fast, and get same‑day documents from a leading broker, with UK‑based expert support and prices from £5.64/month [1], [2], [3]

Score: 89.7/100

Key Features

  • Public liability insurance (from £1 million to £5 million)
  • Employers’ liability insurance (£10 million as standard, required by law if you have employees)
  • Professional indemnity insurance (£50, 000 to £5 million)
  • Product liability insurance
  • Tool insurance
  • Stock insurance
  • Business and office equipment insurance
  • Personal accident insurance
  • Commercial property/buildings insurance
  • Business contents insurance
  • Legal expenses insurance
  • Contract works cover
  • Ability to add cover for multiple trades/professions

Key Benefits

  • Compare quotes from leading insurers
  • Tailored cover for your business needs
  • Buy online or over the phone in minutes
  • Receive policy documents the same day
  • UK-based expert support
  • 24/7 claims service
  • Flexible policies – only pay for what you need
  • Can cover multiple trades under one policy
  • Credibility and professionalism for your business
  • May help win contracts where insurance is required

Who Is It For

  • Small businesses
  • Self-employed individuals
  • Sole traders
  • Limited companies
  • Businesses with employees
  • Businesses interacting with the public
  • Businesses providing professional services
  • Over 1, 500 trades including builders, cleaners, couriers, contractors, office-based businesses, online retailers, security guards

Features & Modules

What is business insurance?

Business insurance combines cover for risks such as third party injury, business claims, and specific trade/equipment insurance. It provides peace of mind and is trusted by nearly a million small UK businesses.

  • Compare business insurance quotes from trusted brands
  • Flexible, tailored cover
  • Peace of mind for business owners

What does small business insurance cover?

Covers a variety of risks including public liability, employers’ liability, and professional indemnity. Additional covers can be added for specific needs.

  • Public liability insurance: protects if someone is injured or property is damaged due to your business
  • Employers’ liability insurance: covers claims from employees injured or made ill by their work
  • Professional indemnity insurance: covers claims for financial loss due to faulty advice

How much does business insurance cost?

Premiums depend on your business type, cover levels, and risk factors. Prices start from £5.64/month. Example quotes provided for different business types.

  • Prices start from £5.64 per month
  • Tailored quotes in 7 minutes
  • Prices guaranteed for 30 days

How it works

Pick your cover, compare prices, buy online, and get documents the same day.

  • Pick what goes into your policy
  • Get prices from a range of insurers
  • Buy online in minutes

Who needs business insurance?

Important for all types of businesses, especially those with staff, public interaction, or providing professional services. Over 1,500 trades covered.

  • Builders, cleaners, couriers, contractors, office-based businesses, online retailers, security guards, self-employed, sole traders
  • Can cover multiple trades under one policy

Your business insurance policy

Build your policy from a range of covers to suit your needs. Public liability and employers’ liability are key covers.

  • Answer all questions accurately
  • Choose a high enough level of cover
  • Tailor your policy to your business

Benefits of business insurance (beyond protection)

Helps position your business as credible and professional, and may help win contracts.

  • £68 million in claims paid out in 2024
  • 76% of claims settled in 2024

What is the insurance claims process?

Contact claims partner, provide details, review claim, track progress, receive decision.

  • Contact claims partner online or by phone
  • Dedicated claims handler
  • Track progress online

Business insurance FAQs

Answers to common questions about business insurance, legal requirements, cover levels, and more.

  • What is business insurance for?
  • Is business insurance a legal requirement?
  • How much business insurance do I need?
  • Can I get business insurance before registering my business?
  • Can I get business insurance without a trade licence?
  • What kind of excess should I expect?
  • Does business insurance cover me for theft?
  • Can I add cover for a different trade or profession?
  • Is business insurance tax-deductible?

Available In

United Kingdom

Compliance

  • Xbridge Limited (trading as Simply Business) is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348)
  • Employers’ liability insurance is required by law if you have employees (with some exceptions for unincorporated family businesses)
  • Must comply with all relevant trade licensing and business registration requirements
#2
Protectivity logo

Protectivity

Business Insurance

by Protectivity

protectivity.com

Protectivity

Company Information

Protectivity is a provider of insurance for small businesses, event organisers, and landlords. They offer simple and affordable insurance solutions, including pet business insurance, personal trainer insurance, event insurance, therapy insurance, and more.

Company Overview

What They Do: Provide insurance solutions for small businesses, event organisers, and landlords.
Who They Serve: Small businesses, event organisers, landlords, and various professionals in need of specialized insurance.

Company Details

Industry: Insurance
Employees: 1-10
Location: Stokenchurch, ENG

Financial Information

Revenue: under-1m

Contact Information

Trust & Compliance

Financial Conduct Authority (FCA)

Key Value Propositions

  • Simple and affordable insurance solutions
  • Outstanding customer service
  • Cutting-edge technology integration

Technology Stack

Rackspace MailGun
Adestra
Outlook
Microsoft Office 365
CloudFlare Hosting
SparkPost
Appnexus
Elementor
Facebook-Social-Plugins
Google-Analytics
Google-Tag-Manager
Microsot-365
Mysql
Php
Vwo
Wordpress
Yoast-Seo

Industries Served

Insurance

Social Links & Discovery

Categories

b2b
b2c

Keywords

insurance
small business insurance
event insurance
landlord insurance
liability insurance
liability
public liability
employer's liability
product liability
business coverage

Target Customers

Small businesses
Event organisers
Landlords
Freelancers
Professionals in various industries

Summary

Business Insurance from Protectivity provides essential protection against risks such as liability claims, property damage, theft, and professional negligence. The offering is designed for small businesses, sole traders, freelancers, and a wide range of professions, with the ability to tailor cover to specific business activities and requirements.

Overview

Protectivity's Business Insurance offers specialist cover for a wide range of small businesses, freelancers, and sole traders in the UK. Policies start from £3.14 a month and are designed to be flexible and tailored to the specific needs and risks of different professions and activities. Cover includes essential liability protection, with options to add equipment, legal, and other business-specific extras.

Best For

Best for UK sole traders, freelancers and niche small businesses (pet care, therapists, beauty, fitness, trades) wanting low‑cost, flexible cover. Policies start from £3.14/month, with public liability up to £10m and optional equipment, legal and a Close Family Extension that removes separate employers’ liability for helpers [1], [2], [3]

Score: 89.7/100

Key Features

  • Public Liability Insurance (up to £10 million)
  • Professional Indemnity Insurance (up to £1 million, higher on some policies)
  • Employers’ Liability Insurance (up to £10 million, legal requirement if you employ staff)
  • Equipment Cover (from £250 up to £30, 000, new-for-old for items under 3 years old)
  • Loss of Keys Cover (up to £10, 000)
  • Care, Custody & Control of Animals (up to £100, 000, £25, 000 per animal)
  • Non-Negligent Cover for animals
  • Close Family Extension (cover for close family members assisting in business)
  • Loss of Money (up to £5, 000)
  • Travel Expense Reimbursement (up to £1, 000 for pet owners)
  • Legal Expenses (up to £100, 000 on some policies, 24-hour helpline)
  • Personal Accident Cover (up to £25, 000, under 80 years old)
  • Equipment Hire Cover
  • Third Party Property Damage

Key Benefits

  • Flexible, tailored cover for a wide range of business types and activities
  • Instant online quotes and fast, easy purchase process
  • Highly rated customer service and claims handling
  • Policies start from just £3.14 a month
  • Option to add or remove cover types as needed
  • Legal compliance support (e.g., employers’ liability)
  • Professional credibility for your business

Who Is It For

  • Sole traders
  • Freelancers
  • Small businesses
  • Pet care businesses
  • Therapists
  • Hairdressers and beauty professionals
  • Personal trainers and fitness instructors
  • Tradespeople (builders, electricians, carpenters, etc.)
  • Event organisers and stallholders
  • Creative professionals (photographers, designers, etc.)
  • Online businesses
  • Businesses operating from home

Features & Modules

What does business insurance cover?

Protectivity business insurance offers essential liability cover and optional extras tailored to your business. Covers multiple activities for sole traders, freelancers, and small businesses. Policies are adaptable to your services and business scale.

  • Public liability included in all policies
  • Option to add equipment, employers’ liability, legal protection, and other bolt-ons
  • Covers multiple activities and business types

What's covered?

Details of standard and optional covers, including public liability, professional indemnity, employers’ liability, equipment, loss of keys, care of animals, non-negligent cover, close family extension, loss of money, travel expense reimbursement, and more.

  • Public Liability: Up to £10 million
  • Professional Indemnity: Up to £1 million (higher on some policies)
  • Employers’ Liability: Up to £10 million
  • Equipment: £250 included, up to £30,000 available
  • Loss of Keys: Up to £10,000
  • Care, Custody & Control of Animals: Up to £100,000
  • Non-Negligent Cover for animals
  • Close Family Extension
  • Loss of Money: Up to £5,000
  • Travel Expense Reimbursement: Up to £1,000

Optional extras

Employers’ liability, legal expenses, professional indemnity, personal accident, equipment hire, overseas extension, and more.

  • Employers’ Liability: Up to £10 million
  • Legal Expenses: Up to £100,000
  • Professional Indemnity: Up to £1 million or more
  • Personal Accident: Up to £25,000
  • Equipment Hire
  • Overseas Extension: Up to 30 days/year

What’s not covered?

Key exclusions and limitations for different business types and activities.

  • Dog walkers: max 6 dogs at once
  • No cover for dangerous dog breeds
  • No cover for pre-existing animal conditions
  • No cover for non-domestic animals
  • No cover for unlicensed businesses where a licence is required
  • No cover for unqualified treatments/services
  • No cover for overseas activities unless extension purchased
  • No cover for certain equipment or participant vs participant injury in contact sports

How much does business insurance cost?

Policies start at £3.14 a month. Price depends on business type, size, cover limits, and other factors. Example: Therapy Insurance, £3.14/month, £1m public liability, £1m professional indemnity.

  • Prices from £3.14 a month
  • Tailored to your business needs
  • Get a quote for accurate pricing

What types of businesses do we cover?

Wide range of policies for pet businesses, beauty, therapists, sports & fitness, trades, events, creatives, and more.

  • Pet businesses: dog walkers, sitters, groomers, trainers, kennels, pet taxi
  • Beauty: hairdressers, nail technicians, make-up artists
  • Therapists: counsellors, psychotherapists, massage, reiki, holistic
  • Sports & Fitness: personal trainers, instructors, coaches, gyms, martial arts
  • Trades: builders, bricklayers, electricians, carpenters, plasterers, decorators, gardeners
  • Events: organisers, stallholders, performers, photographers, caterers

Why choose Protectivity for your business insurance policy?

Trusted by over 150,000 customers, over 30 years’ experience, highly rated reviews, efficient claims handling, UK-based support.

  • Over 150,000 customers
  • 30+ years’ experience
  • 4.8/5 average rating from 3,897 reviews
  • Efficient claims process
  • UK-based customer support

Available In

United Kingdom
#3
MoneySuperMarket logo

MoneySuperMarket

Insurance Comparison Service

by MoneySuperMarket

moneysupermarket.com

MoneySuperMarket

Company Information

Company Overview

What They Do: They provide a platform for users to compare prices on a variety of financial products, including insurance, loans, and utilities.
Who They Serve: Individuals in the UK looking to save money on various bills and services.

Company Details

Industry: Insurance

Contact Information

Trust & Compliance

Financial Conduct Authority
Modern Slavery Transparency Act

Key Value Propositions

  • Comprehensive comparison of financial products
  • Rewards for using the platform
  • Price match guarantee

Industries Served

Insurance
Finance
Utilities
Travel
Telecom

Social Proof

Customer Testimonials

Quick and efficient service with a superb outcome saving me over 50% on my renewal quote.

Well presented and tailored to my needs.

Customer Reviews
Feefo
17/10/2025
5 stars

"Always helpful, will use again."

Feefo
30/09/2025
5 stars

"Good service as usual, I often use money supermarket for quotes for travel insurance, car insurance and house insurance."

Trusted By
Sony
Samsung
Case Studies
Customer Savings

John Doe

Saved £200 on his home insurance by using MoneySuperMarket.

Read Case Study

Social Links & Discovery

Target Customers

UK consumers
Individuals seeking to save on bills
Families
Business owners

Summary

A comprehensive online platform for comparing insurance quotes across various categories, enabling users to find and select the most suitable and cost-effective insurance policies for their needs.

Overview

MoneySuperMarket's Insurance Comparison Service allows users to compare quotes for a wide range of insurance products, including car, home, travel, life, pet, health, and income protection. The service provides access to multiple insurance providers, expert guidance, and the ability to get new quotes in minutes, helping users find the best deals and potentially save significant amounts on their insurance policies.

Best For

Best for UK consumers, including self‑employed and freelancers, who want to compare a broad range of insurance (car, home, travel, pet, life, health, income protection, business) and save. Get brand‑new quotes in minutes and typical savings up to £508 (car), £190 (home), £207 (pet) [1], [2], [3]

Score: 85.3/100

Key Features

  • Online comparison of multiple insurance providers
  • Coverage for a broad range of insurance products (car, home, travel, life, pet, health, income protection, business, and more)
  • Specialized insurance types (e.g., black box, gap, multi-car, short-term, over 50s, critical illness, etc.)
  • Guides and expert tips for saving money and understanding insurance
  • Access to insurance provider information and customer reviews
  • Mobile app availability for on-the-go access

Key Benefits

  • Compare insurance providers from across the market
  • Access to tips and expert guidance to help find the best deal
  • Get brand new quotes in minutes
  • Potential to save significant amounts on insurance (e.g., up to £514 on car insurance, £193 on home insurance, £207 on pet insurance)
  • Wide range of insurance types and subtypes covered
  • User-friendly online quote process

Who Is It For

  • Individuals seeking car, home, travel, life, pet, health, or income protection insurance
  • Homeowners and renters
  • Pet owners
  • Drivers (including young, new, learner, convicted, and non-UK residents)
  • Travelers (including those with pre-existing medical conditions, families, over 70s, business travelers)
  • Landlords and tenants
  • Students
  • Business owners seeking business insurance

Features & Modules

Compare quotes for all your insurance needs

Compare insurance providers from across the market. Tips and expert guidance to help you find the best deal. Get brand new quotes in minutes.

  • Compare insurance providers from across the market
  • Tips and expert guidance to help you find the best deal
  • Get brand new quotes in minutes

This month’s top insurance deals

Highlighting top deals for home, pet, and car insurance with potential savings and direct links to start a quote.

  • Super Save up to £193 on your home insurance
  • Super Save up to £207 on your pet insurance
  • Super save up to £514 on your car insurance

Insurance explained

Find out more about essential insurance policies, including what home insurance covers, tips for reducing car insurance costs, and when to buy travel insurance.

  • What does home insurance cover?
  • How to bring down the cost of your car insurance
  • When should I buy travel insurance?

Compare all of our insurance products

Comprehensive list of insurance types available for comparison, including motoring, home & business, lifestyle cover, and guides.

  • Motoring: Car, Young Drivers, Black Box, Gap, Cosmetic, Short Term, Multi-Car, Motorbike, Van, Taxi, Caravan, Motorhome, Breakdown, Warranty, Excess, Leasing
  • Home & Business: Home, Contents, Buildings, Renters, Student, Bicycle, Jewellery, Non-Standard, Holiday Home, Mortgage Protection, Appliance Warranty, Landlord, Business, Public Liability, Indemnity
  • Lifestyle Cover: Life, Critical Illness, Over 50s, Health, Funeral, Travel, Medical Travel, Annual, Single Trip, Boat, Pet, Multi Pet, Horse, Rabbit, Gadget, Wedding, Payment Protection, Income Protection, ASU
  • Guides & Other Services: Insurance guides, provider information, help centre, news, insurance experts

Pricing

Potential savings highlighted: up to £514 on car insurance, £193 on home insurance, £207 on pet insurance (based on 51% of consumers, Consumer Intelligence, Oct 2025, excluding NI, CI, IOM)
Quotes are personalized and vary based on user details and insurance type

Available In

United Kingdom (excluding Northern Ireland, Channel Islands, Isle of Man for some offers and savings data)

Compliance

  • Moneysupermarket.com Limited is an appointed representative of MONY Group Financial Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190)
  • Some products (e.g., travel money, legal services, mobile phones, money transfer, broadband, energy except boiler cover, and travel services except travel insurance and car hire excess insurance) are not regulated by the FCA
#4
Confused.com logo

Confused.com

Business Insurance Comparison

by Confused.com

confused.com

Confused.com

Company Information

Company Overview

What They Do: Provide a platform for comparing insurance and various financial products to help users find the best prices.
Who They Serve: Consumers in the UK looking to save money on insurance and financial products.

Company Details

Industry: Insurance

Key Value Propositions

  • Easy price comparison
  • Rewards program
  • User-friendly app for managing insurance
  • Guides and resources for informed decisions

Industries Served

Insurance
Finance
Utilities

Social Proof

Customer Testimonials

It was exceptionally quick and easy to use. Found a really good deal for my first year of insurance.

Great pricing. Easy to book best rate plus rewards and free Greggs' drinks.

Easy process,you only need to enter details once and get plenty of quotes.

Great choice of cover at an affordable price.

Customer Reviews
Trustpilot
July 2025
5

"It was exceptionally quick and easy to use. Found a really good deal for my first year of insurance."

Trustpilot
July 2025
5

"Great pricing. Easy to book best rate plus rewards and free Greggs' drinks."

Trustpilot
July 2025
4

"Easy process, you only need to enter details once and get plenty of quotes."

Trustpilot
July 2025
5

"Great choice of cover at an affordable price."

Case Studies
Great pricing

Lee

Great pricing. Easy to book best rate plus rewards and free Greggs' drinks.

Easy process

Neil

Easy process, you only need to enter details once and get plenty of quotes.

Exceptional quickness

Ethan

It was exceptionally quick and easy to use. Found a really good deal for my first year of insurance.

Affordable choices

Paula

Great choice of cover at an affordable price.

Social Links & Discovery

Target Customers

UK consumers
Drivers
Homeowners
Pet owners
Travelers
Small businesses

Summary

Business insurance comparison through Confused.com allows businesses to quickly and easily compare quotes for a range of business insurance products, ensuring they get the right cover for their needs. The service is designed to minimise business risks and provide peace of mind by covering potential financial losses from unforeseen events.

Overview

Confused.com offers a business insurance comparison service, helping businesses of all sizes find tailored insurance quotes to protect against risks such as property damage, operational hazards, business interruption, and employee sickness. The service is provided in partnership with Simply Business, a leading UK business insurance provider regulated by the Financial Conduct Authority.

Best For

Best for UK sole traders and SMEs preferring a trusted comparison brand that delivers tailored business insurance quotes via an FCA‑regulated partner. Confused.com’s service is provided by Simply Business, letting you add covers like public liability, PI and employers’ liability and get quotes in minutes [1], [2], [3]

Score: 82.5/100

Key Features

  • Personalised business insurance quotes
  • Comparison of multiple insurance providers
  • Ability to tailor cover to business needs
  • Option to add extra cover (e.g., tool insurance, business equipment insurance, personal accident insurance)
  • Guidance and support throughout the process
  • Free service with impartial and independent comparison

Key Benefits

  • Protects against financial losses from unforeseen circumstances
  • Covers legal fees, compensation claims, and medical expenses
  • Helps meet legal and regulatory requirements
  • Builds trust with customers and employees
  • Can be tailored to specific business needs
  • Supports business continuity and growth
  • Peace of mind for business owners

Who Is It For

  • Sole traders
  • Start-ups
  • Longstanding businesses
  • Small and medium enterprises (SMEs)
  • Service providers (e.g., hairdressers, plumbers, window cleaners)
  • Shop owners
  • Tradespeople
  • Digital professionals (e.g., software engineers, marketing consultants, investment advisors)
  • Self-employed individuals
  • Businesses with employees
  • Businesses working from home

Features & Modules

Get your personalised business insurance quote today

Fill in your business’ details, find the cover you need in minutes, and choose the right quote for you.

  • Fill in your business’ details
  • Find the cover you need in minutes
  • Choose the right quote for you

What is business insurance?

Business insurance helps protect businesses from potential losses due to unforeseen circumstances such as property damage, operational hazards, business interruption, or employee sickness. It minimises risks and provides peace of mind by covering costs like legal fees or compensation claims.

How can we help?

Confused.com, in partnership with Simply Business, provides tailored business insurance quotes for sole traders, start-ups, and established businesses, helping safeguard against unexpected events.

What business insurance cover can I get?

Various types of business insurance are available, including employers' liability, public liability, professional indemnity, self-employed, and start-up insurance.

  • Employers' liability insurance
  • Public liability insurance
  • Professional indemnity insurance
  • Self-employed insurance
  • Start up insurance

What else can business insurance cover?

Optional extras can be added to your policy, such as tool insurance, business equipment insurance, and personal accident insurance.

  • Tool insurance
  • Business equipment insurance
  • Personal accident insurance

Is business insurance a legal requirement?

Employers’ liability insurance is legally required for most businesses with employees. Other types may be required by regulators or contracts.

  • Helps if you’re sued
  • May be required by regulators or trade bodies
  • Contracts might ask for it
  • Gives peace of mind

How could insurance benefit my business?

Business insurance can help cover costs from claims and protect against business interruptions, equipment loss, and more. Examples are provided for service providers, shop owners, tradespeople, and digital professionals.

  • Service providers: covers claims from public interactions
  • Shop owners: covers slips, trips, and employee/customer injuries
  • Tradesperson: covers accidents, tool/equipment loss
  • Digital professionals: covers claims for financial harm or negligence

How much does business insurance cost?

Cost depends on business type, size, nature, location, and required cover. Personalised quotes ensure appropriate coverage.

Who's Simply Business?

Simply Business is a leading UK business insurance provider, authorised and regulated by the Financial Conduct Authority, and partners with Confused.com to provide tailored quotes.

Need more help with business insurance?

FAQs cover working from home, getting insurance before registering a business, legal requirements, tax deductibility, and claims support.

  • Business insurance can protect home workers against negligence, injury, and employee claims
  • Insurance available before business registration
  • Employers’ liability insurance is mandatory for most employers
  • Business insurance is generally tax deductible
  • Insurers provide claims support

Pricing

The cost of business insurance depends on factors such as business type, size, nature, location, and required cover. Personalised quotes are provided to ensure appropriate coverage.

Available In

United Kingdom

Get Started

#5
money.co.uk logo

money.co.uk

Business Product Comparison Platform

by money.co.uk

money.co.uk

money.co.uk

Company Information

Company Overview

What They Do: They provide a comparison platform for financial products and services to help users make informed financial decisions.
Who They Serve: Individuals and businesses looking for financial products such as loans, insurance, savings accounts, and credit cards.

Company Details

Industry: Financial Services

Contact Information

Trust & Compliance

FCA Authorisation
GDPR Compliance

Key Value Propositions

  • Free to use comparison platform
  • Trusted by leading brands in financial services
  • Comprehensive resources for financial education and insights

Industries Served

Financial Services

Social Proof

Customer Reviews
Trustpilot
2023-01-01
5

"Excellent service, highly recommend!"

Trusted By
Barclays
HSBC

Social Links & Discovery

Target Customers

Individuals
Small to Medium Enterprises (SMEs)

Summary

The Business Product Comparison Platform by money.co.uk enables businesses to discover, compare, and apply for financial products tailored to their needs and stage of growth. The platform covers products such as business bank accounts, credit cards, loans, insurance, energy, and business software, and provides expert resources and guides to support business decision-making.

Overview

money.co.uk offers a free, inclusive platform for UK businesses to compare a wide range of financial products, including business bank accounts, credit cards, loans, insurance, and business software. The platform helps startups and established businesses quickly find, research, and apply for the most suitable financial products from trusted UK brands.

Best For

Best for UK startups and SMEs wanting a single, free hub to compare business bank accounts, loans, insurance and even business software. money.co.uk offers guided journeys and direct links to apply, with business insurance quotes powered by Superscript for tailored cover [1], [2], [3]

Score: 80.1/100

Key Features

  • Comparison of business bank accounts, credit cards, loans, insurance, energy, and business software
  • Step-by-step product recommendation journey: tell about your business, get matched with products, choose and apply
  • Direct links to apply for or open accounts with providers
  • Top picks and featured products for each business stage
  • Access to business resources, guides, and case studies
  • Newsletter for business deals and insights

Key Benefits

  • Free to use for all businesses
  • Quickly find and compare a wide range of business financial products
  • Personalized product recommendations based on business needs
  • Access to competitive rates from top UK brands
  • Expert-written guides, insights, and case studies
  • No admin fees or payment required to use the service
  • Inclusive and impartial platform

Who Is It For

  • Startups
  • Small and medium-sized enterprises (SMEs)
  • Established businesses
  • Sole traders
  • Limited companies
  • Business owners in the UK

Features & Modules

Find financial products for your business quickly

Quick access to compare business credit cards, current accounts, savings accounts, loans, insurance, and card payment solutions.

  • Business credit cards
  • Business current accounts
  • Business savings accounts
  • Business loans
  • Business insurance
  • Card payment solutions

Everything your startup business needs to grow

Step-by-step journey to match business needs with suitable products.

  • Step 1: Tell us about your business
  • Step 2: We'll figure out which products you might need
  • Step 3: You choose your products

Discover the right products for your business milestones

Guidance and top product picks for businesses at different stages: starting, scaling, and maintaining success.

  • 0-12 months: Focus on business bank accounts (Zempler Bank)
  • 1-4 years: Focus on business credit cards (Capital on Tap)
  • 5 years+: Focus on business loans (iwoca)

Get to know money.co.uk

Background on the platform, its free and inclusive nature, competitive rates, and expert resources.

  • Founded in 2008
  • Completely free platform
  • Competitive rates from top UK brands
  • Hundreds of expert guides and case studies

Essential resources

Free information and guides to support businesses at every stage.

  • What is a business plan?
  • Where can I get funding?
  • Do I need a business savings account?

Business success stories

Case studies from UK business founders sharing their journeys and lessons learned.

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Business guides

Guides and reports to help businesses start, grow, and succeed.

  • Latest UK Small Business Statistics Report (2025)
  • 55 trending business ideas for 2025 and beyond
  • 10 steps to running a successful business

Pricing

The platform is completely free for users. money.co.uk may receive a commission from providers if you choose a product via their site.

Available In

United Kingdom

Security

  • No payment or bank details required to use the platform.
  • FSCS protection up to £120,000 for certain featured bank accounts (e.g., Zempler Bank).

Data Quality & Transparency

9+
Data Sources
Recent
Last Updated
100%
Criteria Coverage

Our Ranking Methodology

How we rank these offerings

We ranked these Public liability cover providers for UK sole traders and micro-SMEs based on three key factors: Coverage Limits Options (40% weight), Customization Flexibility (35% weight), and Pricing Structure (25% weight). Business Insurance scored highest due to its extensive coverage range, high customization flexibility, and competitive pricing. Business insurance also performed well with tailored options but lacked slightly in pricing competitiveness.

Ranking Criteria Weights:

Coverage Limits Options40%

Coverage limits are crucial as they determine the maximum financial protection available.

Customization Flexibility35%

Customization allows businesses to tailor their policies to specific needs, which is vital for small operations.

Pricing Structure25%

Cost-effective pricing is important, especially for sole traders and micro-SMEs operating on limited budgets.

Rankings last updated: December 18, 2025

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Frequently Asked Questions

What are the typical costs and pricing models for public liability insurance for UK sole traders?
Public liability insurance costs vary based on the level of coverage required, type of business, and risk associated with the trade. Simply Business and Protectivity offer affordable premiums tailored to specific trades, starting from basic cover extending up to £10 million. Factors like business size, location, and claims history can affect the premium amount, making it crucial for sole traders to compare quotes using platforms like MoneySuperMarket or money.co.uk for competitive pricing.
What key factors should UK sole traders consider when selecting public liability insurance?
Sole traders should consider the extent of coverage, including policy limits for third-party injury or damage, and additional features such as professional indemnity. Simply Business and Protectivity provide options for custom coverage amounts and additional protections like legal cover. It's important to assess the nature of business interactions with the public to ensure sufficient coverage; comparison sites like Confused.com can aid in evaluating policies across various insurers.
Are there industry standards or compliance requirements for public liability insurance in the UK?
While public liability insurance is not a legal requirement for sole traders in the UK, many clients or contracts may require it as part of compliance or industry standards. Businesses should align with safety protocols and risk management practices to minimize potential liabilities. Using comparison services like MoneySuperMarket helps ensure that policies meet the standards demanded by specific industries and clients.
What are the common challenges in implementing public liability insurance for micro-SMEs in the UK, and how can they be addressed?
Challenges include understanding the complex policy terms, calculating adequate coverage, and managing costs. Micro-SMEs can leverage solutions like tailored quotes from Simply Business and flexible covers from Protectivity, designed specifically for varied business activities. Utilizing thorough comparison from MoneySuperMarket can alleviate the complexity by offering clear, competitive options.
How can public liability insurance deliver ROI and value to sole traders and micro-SMEs?
Public liability insurance provides financial protection against unforeseen third-party claims, thus safeguarding the business's financial health. It enhances business credibility and can be a prerequisite for securing contracts. Affordable and customizable policies from Simply Business and Protectivity enable sole traders and micro-SMEs to select the appropriate risk cover, leading to long-term cost savings and added peace of mind.

Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.

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