Small business owner in a small retail shop

Small Business
Insurance & Covers

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We understand that every SME or small business faces different challenges and risks. That’s why you need the right insurance in place to protect your business and livelihood.

Our experts advise a diverse range of businesses on the right small business insurance solution for the right price. So let us take the hassle away by understanding what’s important to you and then recommending a simple to buy tailored insurance solution to meet your SMEs needs.

Even if your business insurance needs aren’t simple, arranging your insurance can be. So if you know what covers you need and don't need advice use our ‘Insurance Finder’ to get a quote online. Alternatively, if you need some insurance advice call us today for a no obligation quote.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm

Whether or not you’re legally required to have business insurance depends on your particular business. Some covers may be a legal requirement or may be required by regulatory bodies.

Every small business should take out insurance to protect against any number of risks, from damage to property to injury to others. Without the right small business insurance, your organisation could be financially liable to rectify damage or cover compensation and legal costs if someone gets hurt.

Your business insurance needs depend on what you do for a living. Public liability insurance is recommended for most businesses, to protect against claims made against you by third parties. You may wish to consider other covers as well such as business contents, buildings and employers' liability insurance which is required by law if you have staff. Further covers are available such as commercial legal expenses and business interruption which can help protect the loss of income following damage to property by an insured event.

If you are unsure of your business insurance requirements, arrange a call with one of our insurance advisors who will be able to give advice on the right cover for your business. With many years’ experience arranging cover for businesses large and small, we know the risks you face and have access to the solutions available to protect against them.

The cost of your small business insurance will depend on your business activities, location and the amount and type of goods you wish to insure. Like any other insurance, generally the more cover you require the higher the premium.
From shop insurance to hairdressing insurance, beauty salon insurance to café insurance we can recommend the right policy for you.
Whatever kind of office insurance you need, we can help. From accountants to charities, solicitors to estate agents, plus many more.
From general tradesman to self-emplyeed freelancers and consultants, we can cover sole traders, partnerships and limited companies.
Whether you need to insure commercial or residential property, we can help you protect your property investment in just a few minutes. 
We can arrange insurance for pubs, restaurants, catering businesses and takeaways, as well as hotels, guest houses and B&Bs.
Covers for commercial and industrial sector businesses including manufacturers, wholesalers, engineering and printers.
Insurance eperts at Premierline
  • Award winning service
    We're trusted by thousands of SMEs across the UK
  • Comprehensive protection
    We can help with all your commercial insurance needs
  • UK based experts
    Located in Lancaster, our advisors are here to help
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.