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Commercial Insurance Quotes

Welcome to the place where leading insurers compete for your business. Feel free to compare, choose and buy your business insurance in minutes, direct from the insurer. You can also save your quotes in your free MyCoverzones account to review in your own time.

Start here to choose cover and get quotes

First, to help you find the right cover, we need a few details about your business:

1: Select your main profession

2: How many employees?

An employee is a person who works under a contract (written, verbal or implied) of service or apprenticeship with an employer. Generally, a person is also defined as your employee if:

  • you deduct National Insurance contributions and income tax from the salary you pay them
  • you control when, where and how they work
  • they are not authorised to employ a substitute when unable to work

The director of a Private Limited Company is still considered an employee if the company deducts income tax and NI contributions and they own less than 50% of the business.

A family member who works for you may not be classified as an employee if the business itself is not incorporated as a limited company.

One of the major defining factors between an employee and someone who is self employed is the amount of control that an employer has. A person can be considered an employee when his employer has a certain level of control and direction over how he works. Someone who is self employed may provide services for an employer, but the employer has less control over the means and methods of the work achieved.

More details about the definition of an employee can be found here. You should check with a professional advisor if you are not certain about your employment status or that of someone working for you.

Choose your cover or let us help

Your profession

Your employees

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Choose the cover you need

Get quotes

If you're not sure what you need, we can suggest cover relevant to your business.

Let's find out what cover you need

Your profession

Your employees

Change

Simply answer the questions below and we'll immediately suggest cover relevant to your business so you can get quotes for what you need.

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Do you work with members of the public or have members of the public visit your premises?
Yes No
Do you provide professional advice to your customers?
Yes No
Where does your business operate from?
Is any business equipment, machinery, stock, or other contents kept on your business premises?
Yes No
Do you use any vehicles for business purposes?
Yes No

A personal motor insurance policy may only cover commuting to and from work.

Are there any people in your business who are essential to its proper function?
Yes No

This could be a business owner, manager, employee, partner or shareholder without whom your business couldn't operate.

Does your business have directors or company officers?
Yes No
Would your revenues or profits be affected if your business suffered damage through fire, flood or theft?
Yes No
Is your business involved in transporting goods or products?
Yes No
Do you regularly carry cash to or from your business?
Yes No
Would your business suffer if any of your debtors were unable to pay you?
Yes No
Do you make or supply products for sale?
Yes No
Could your business suffer from staff theft or dishonesty?
Yes No
 

Now you can choose the cover you need and get quotes

Your profession

Your employees

Change

Based on your answers, here are the types of cover relevant to your business. Now you can get quotes for the cover you need, or go back and change your answers to see other options.

Go back and change answers

Employers Liability Insurance

Employers Liability Insurance helps employers to meet the cost of compensation for the injury, illness or death of employees while at work.

Read more about Employers Liability Insurance
Quote
Coverzones can provide cover for businesses with up to 10 employees. Get a quote for Employers Liability combined with Public Liability Insurance.

Public Liability Insurance

Public liability insurance covers your legal liability to pay damages to members of the public for death, bodily injury or damage to their property which occurs as a result of your business activities. This cover is available on its own or as part of any of the packaged Trade insurance policies.

Read more about Public Liability Insurance
Quote
Coverzones can provide cover for businesses with up to 10 employees. Get a quote for Public Liability combined with Employers Liability Insurance.

Professional Indemnity Insurance

Protects professional businesses against their legal liability towards third parties for injury, loss, or damage, arising from their professional negligence or that of their employees.

Read more about Professional Indemnity Insurance

Quote
Get a quote for Professional Indemnity Insurance

Landlord Insurance


Landlord Insurance will be available through Coverzones soon

Contents Insurance

Covers the contents of your business premises including stock, office equipment and machinery.

Read more about Contents Insurance

Contents insurance will be available through Coverzones soon

Motor Insurance

A legal requirement to use any vehicle on the road. A personal motor insurance policy may only cover commuting to and from work in which case a commercial motor insurance policy would be required.

Read more about Motor Insurance

Motor insurance will be available through Coverzones soon

Crime Insurance

Crime insurance (also known as Fidelity insurance) covers your business against the loss of money or stock arising from theft or dishonesty by your employees.

Read more about Crime Insurance

Crime Insurance will be available as part of a packaged Trade insurance policy available through Coverzones soon

Key man insurance

Protects your business against the loss of income resulting from the disability or death of a person in a key position

Read more about Key man Insurance

Key man insurance will be available through Coverzones soon

Directors and Officers Insurance

Company directors and officers have specific duties and responsibilities, for which they can be held responsible. Directors and officers insurance provides cover for compensation and legal costs, if they are found to have inadvertently acted outside their terms of reference.

Read more about Directors and Officers Insurance

Directors and Officers (D&O) insurance will be available through Coverzones soon

Business Interruption Insurance

Insuring you against disruptions to your business that lead to loss of income and extra expenses, business interruption insurance compensates you for the shortfall in gross profit and pays any increased working costs and fees incurred.

Read more about Business Interruption Insurance

Business Interruption Insurance will be available through Coverzones soon

Goods in transit insurance

This covers goods against loss or damage while in your vehicle or when sent by carrier.

Read more about Goods in transit Insurance

Goods in Transit insurance will be available as part of a packaged Trade insurance policy available through Coverzones soon

Money Insurance

Money insurance covers cash, cheques, credit card slips and bankers' drafts when on or off the premises.

Read more about Money Insurance

Money Insurance will be available as part of a packaged Trade insurance policy available through Coverzones soon

Credit Insurance

Credit insurance covers against the risk of bad debt due to the insolvency or default of your customers or buyers.

Read more about Credit Insurance

Credit insurance will be available through Coverzones soon

Product Liability Insurance

If you make, repair or sell products, you could be held legally liable for damage or injury arising from defects in their design or manufacture even if you have not been negligent.

Read more about Product Liability Insurance

Product Liability insurance will be available through Coverzones soon

At Coverzones we only quote on policies that are relevant for your
business. Use our policy finder to find the relevant policies you need:

Your profession

Accountants

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Policy options for

How many employees?

An employee is someone who works under a contract (written, verbal or implied) of service or apprenticeship with an employer.

Find products

Coverzones is the only place where UK small business owners can compare, choose and buy business insurance directly, without a broker. It's a fast, easy to use online service, conveniently available 24/7 and designed to save you money. Every enquiry returns multiple commercial insurance quotes, specific to your business type, from well-known providers. You can save your commercial insurance quotes in MyCoverzones if you're not ready to buy immediately.

We promise to make the quoting and buying processes clear, simple and secure. While our commercial insurance specialists and plain language guides help you find the right type and amount of cover at the right price. In short, it's the smart new way to buy small business insurance.

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