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Business Indemnity Insurance

Business protection, public, product, employers' liability and professional indemnity cover for your organisation.

  • Standard legal cover of £100,000 plus defence costs
  • 24/7 commercial and legal hotline
  • Crisis containment cover of up to £25,000 for PR damage control

Request a personalised business indemnity insurance quote

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Call us today to speak to a specialist business indemnity insurance adviser

0330 123 5741
0330 123 5741

Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Business indemnity insurance features

Instantly available business indemnity insurance

You can obtain our business indemnity cover in just one call, so you can start trading or tendering for a contract swiftly. Call us for a full requirement review and we can quote over the phone for your policy to start immediately. Documents will be emailed on the same day and paper copies within 24 hours.

Protection for your business against compensation claims

Our business indemnity insurance can cover you even if you are involved in a serious compensation case in the thousands or even millions of pounds. This includes legal costs up to £100,000 so you can claim back the expense of your defence, even if you lose the case. 24/7 legal advice is also available throughout.

Business indemnity insurance tailored for your business

To ensure you have the right level of indemnity cover for your organisation, depending on turn-over, employees, office locations, industry and more, we offer a variety of cover limits. Our business indemnity insurance can range from £1 million to £10 million, with monthly payments and worldwide cover as required.

Business liability and indemnity cover in one package

You can combine all your liability and business covers, including indemnity insurance, under one business insurance policy. This can include public liability and employers' liability cover if you need them, as well as equipment cover, stock insurance and more. Speak to us to and we can arrange a package for your needs to keep your business protected.

Business Indemnity Insurance Claims

In the event of a claim please give us a call and we will talk through your claim and help guide you through your next steps in the process.

Need to make a claim?

Call us on:

0344 346 0409

Or email us with:

  • Your policy number
  • A contact number
  • Details of your claim
  • Relevant photos

Business Indemnity Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your business indemnity insurance.

Professional Indemnity Insurance Explained

insurance guide

Professional Indemnity Insurance Explained

Learn how to protect yourself and your small business with our comprehensive guide to professional indemnity insurance, also known as professional liability insurance.

The importance of cyber security for SMEs 1


The Importance of Cyber Security for SMEs

Cyber security for businesses has become increasingly crucial as hackers become more and more sophisticated. No matter how small your business, you could be putting yourself at risk of cyber-crime. This article explains how to help protect your business against this growing threat.

public liability guide thumb

insurance guide

A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

Business Indemnity Insurance FAQs

Do I need professional indemnity insurance for my business?

Whilst indemnity insurance is not a legal requirement, most businesses need it, as having a compensation claim raised against you can be very costly. Our business indemnity insurance, if it includes professional indemnity cover, will not only cover the cost of a successful claim against you, but also pay for legal and defence costs.

Can you cover my business for seasonal changes in stock?

Yes. If you are a retail business and the amount of stock you possess fluctuates substantially in different seasons, we can allow your ‘sums insured’ amount to be increased by an agreed percentage for your busy times of the year. Just let your adviser know if you wish to add this into your business indemnity insurance package.

If one of my employees has an accident at work, what should I do?

We recommend that you:

  • Report all accidents to your insurers
  • Meet your legal obligation to record accidents in your accident book
  • Do not accept responsibility or agree to pay compensation even if you think it is obvious that it is your fault
  • Allow your insurers to investigate and advise you of the best course of action to be taken

If you accept liability before referral to your insurers then you could prejudice your and your insurers' ability to deal with any claim made against you.

Can you cover cash kept on my business' premises?

Yes, we can add cover to your indemnity insurance for storing money in your business' premises. There may be terms as to how we wish you store cash in order to minimise risk; ask your adviser for details or check your policy document.

What happens if my business stops trading?

When you stop trading or retire we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to three years after the fact). When you are ready we can arrange cover for you for this.

Do I need to tell my employees that I have employers' liability insurance?

When you take out or renew a policy including employers' liability insurance with us we will provide you with a certificate of employers' liability insurance that will state the companies covered by the policy. This must be displayed where your employees can read it. You may display your certificate electronically but if you choose to do so you must ensure that your employees know how and where to find it and have reasonable access.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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