Build a Policy That Works for You
Creating a business insurance policy doesn’t have to be complicated. You can tailor our cover to fit your needs and adjust it anytime online as your business grows1. Feel at ease knowing that you’re backed by a trusted insurer – AXA – who protects over 867,0002 small businesses across the UK and Ireland.
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If you’re looking for specific details, check out the business insurance topics below:
What is Business Insurance?
Business insurance isn’t just one cover, it’s a general term to describe all the insurance covers listed below. It’s important to know what’s what. In fact, it could be a life saver for your business if the worst comes to worst, no matter how big or small your business is.
- Public Liability Insurance This protects you against claims from the public if someone gets accidentally injured or their property gets damaged due to your business activities. Plus, it extends to cover product liability if you sell goods.
- Professional Indemnity Insurance Perfect for those offering professional services—think consultants or designers. It covers you if your negligent advice or services leads to a financial loss for a client.
- Employers’ Liability Insurance If you have employees, this is a must-have! It’s legally required and protects against claims for workplace injuries or illnesses. This includes full or part-time employees, paid or unpaid staff, apprentices etc.
- Contents Insurance This covers your business property and stock, fixtures and fittings from theft, loss, or accidental damage, whether you operate from a high street shop, an online store, or your home.
How Much Is Business Insurance?
The cost of business insurance varies based on your unique circumstances. For example, a tradesperson working with tools may face different risks than a consultant working at a desk. Here’s a quick look at pricing with AXA.
- Annual Payment: Prices start from £84* per year.
- Monthly Payments: Prices start from £7** per month.
* 10% of AXA Business Insurance customers paid this or less between April and June 2025
** 10% of AXA Business Insurance customers paid from £7.00 for ten months between April and June 2025 after an initial deposit. Interest applicable. For more details see terms & conditions.
Who Might Need Business Insurance?
Simply put, all businesses will need some form of business insurance! If any of the following apply to you, it’s time to consider protecting your livelihood:
- You interact with clients or the public
- Have people who work for you either paid, voluntary, or training
- You provide professional advice or services
- Sell or supply goods either online or from a high-street location
If any of these apply to what you do for a living, then business insurance is likely a good fit for you!
What If I Need Extra Cover?
Running a business can be unpredictable, and sometimes you might need extra protection. Here are some optional covers you can choose from:
- If you have contents and they are damaged, Business Interruption protects your business and helps you get back on your feet if you can’t trade for a time because you had to close due to unforeseen circumstances like fire, flood or storms.
- Contract works is perfect for certain trades (such as those working on larger building projects) to protect the work you’ve already undertaken in case it gets destroyed before you’ve had a chance to complete it.
- Legal expenses helps with the costs of legal disputes like contract issues, Tax Protection, VAT and data protection. Suitable for all customers.
- Tools insurance (owned and hired-in plant) in case the tools you’re working with get stolen, lost, or damaged on the job. There are two types of tools cover, owned plant tools and equipment (for your own tools) or hired-in plant (for any tools/machinery you’ve hired).
- Workshops cover is designed specifically for trades who have a small workshop, store or office on your premises. Perfect for smaller trades businesses.
- Business equipment is specifically designed for professional occupations who have technology to protect. Think laptops, phones, tablets, printers etc, rather than hammers, saws and drills. Perfect for retailers and professionals.
- Terrorism cover protects you from damage caused by acts of terrorism.
- Personal accident cover if the principal director or partner of the business is injured or suffers disability or death as the result of an injury. It doesn’t cover pre-existing conditions or sickness. Perfect for all business owners.
How Do I Get Business Insurance?
If you’re ready to start safeguarding your business, getting insurance is easy! Use the button below to start an online quote.
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All links correct as of the date of publishing,
1 Please note: You will not be charged to make a change to your policy. However, any changes made your policy, covers or cover levels may result in a change to your premium.
2 Based on the number of businesses insured by AXA UK across the UK and Ireland as of February 7th, 2025.