Business Insurance By Cover
Flexible insurance covers packaged for your business needs
Exceptional Rated Service
Feefo™ rating based on verified customer reviews
Comprehensive Protection
We can help with all your commercial insurance needs
UK Based Experts
Located in Lancaster, our advisors are here to help.
Explore popular covers
Public liability insurance
Public liability insurance helps protect your business if a member of the public is injured or their property is damaged due to your work. It is particularly important for businesses that interact with customers or operate in public spaces.
Buildings insurance
Business buildings insurance covers damage to the physical structure of your commercial property, including walls, roofs, fixtures and fittings. It is essential for property owners and landlords, helping protect against costly repairs following insured events such as fire, storm or flooding.
Employers' liability insurance
Employers’ liability insurance is a legal requirement for most UK businesses with employees. It helps protect against compensation claims if an employee is injured or becomes ill due to their work, covering legal fees and damages.
Business interruption cover
Business interruption insurance helps protect your income if your business is forced to stop trading following an insured event. It can cover lost revenue and additional operating costs, supporting cash flow while you recover.
Product liability cover
Product liability insurance helps protect businesses that manufacture, supply or repair products if they cause injury or damage to property. It can cover compensation claims and legal costs when selling or distributing goods.
Professional indemnity cover
Professional indemnity insurance helps protect businesses that provide advice or services if a client claims financial loss due to errors, omissions or negligence. This cover is often essential for consultants and service-based businesses.
Three simple steps to protect your business
Share your details
Tell us a little about your business and we'll quickly arrange a consultation with a dedicated insurance advisor.
Expert advice & tailored quotes
Your advisor will work with you to understand your needs, then find and compare the perfect cover from leading insurers.
Your cover, sorted
With our expert recommendations, securing the ideal cover is quick, easy - providing complete peace of mind.
Our customer reviews and testimonials
“Outstanding service from Gina who took the time to fully understand the changing needs of our business and worked tirelessly to get the right policy for us. Couldn’t have asked for anyone more professional and understanding.”
Cafe
Customer since February 2020
Our independent customer reviews
Insurance Cover FAQs
Why do you need business insurance?
Business insurance provides peace of mind, whatever sector you’re in, by protecting you against risks like accidents, property damage, legal disputes, business interruption and supply chain issues. If something unexpected affects your business, the right insurance can help you recover quickly and minimise disruption. It also shows customers, suppliers and employees that you’re a trustworthy and responsible business to work with.
What is covered in business insurance?
Business insurance can include a wide range of cover types, these will vary depending on our specific business and industry needs. Common covers included in business insurance include commercial property insurance, various forms of liability insurance (e.g. public, employers’, professional indemnity), and cyber and data protection. These can help with repair or replacement costs, compensation claims, and losses linked to IT or data breaches. The level of support you receive depends on the covers you choose. A tailored, comprehensive policy means you’re rarely left facing costs alone.
What insurance cover is most important for a business?
The insurance your business needs most will depend on your sector, operations, and specific level of risk. That said, employers’ liability insurance is one of the covers that’s legally required if you employ staff. It covers claims from employees who are injured or become ill due to their work. Public liability insurance is also strongly recommended. It protects your business if a member of the public is injured or their property is damaged due to your activities.
Other key covers include:
- Commercial motor insurance – legally required if your business uses vehicles.
- Professional indemnity insurance – essential for businesses offering advice or services, especially within regulated professions.
The most important covers for your business will vary. Our expert business insurance brokers can help you understand what protection you need and tailor a policy that fits your business.
Can you choose which insurance covers are included in your business insurance package?
Yes. Your business insurance should be tailored to your specific needs. Some covers may not be relevant to your operations, while others are essential. Many standard packages include key covers like buildings insurance, contents and stock cover, and employers’ liability insurance. With Premierline, we’ll help you adjust, add or remove covers based on your unique requirements. This ensures you only pay for the protection truly relevant to your business.
How can Premierline help you find the right insurance covers for your business?
Our experts take the time to understand your business, helping you find the right protection based on factors like:
- Your specific industry and business activities
- Turnover and number of employees
- Insurance claims history
- Risks of your industry
We cut through the jargon and clearly explain what each policy means, so you know exactly how your business is protected. With support from our trusted advisors, you can feel confident you’ve got the right cover in place.
Start your business insurance quote
Our experts will help you find the right insurance covers packaged for your needs.
