Limited Company Insurance

Business, public, product, employers' liability and professional indemnity cover for your limited company.

  • A range of ‘package’ policies suitable for Limited Companies in a variety of businesses, trades and professions
  • A single policy covering a range of liability risks
  • Liability risks up to £10 million indemnity cover, including 24 hour legal advice helpline

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Call us today to speak to a specialist limited company insurance adviser

0330 123 5741
0330 123 5741

Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Limited company insurance features

Limited company business cover and premises insurance

Our insurance for limited companies provides a number of liability covers under a single package. To protect your business and your physical locations, we offer cover for your stock and contents, your business premises or offices, warehouses, tools, equipment and plant, meaning should you suffer an incident covered by your policy that affects your limited company's revenue flow, you will not suffer financially.

Public liability cover for limited companies

Our ltd company insurance covers third-party public liability to protect your business, with £1m, £2m, £5m or £10m limits, so you choose the amount of cover you need for your limited company. Our advisers can help you decide what level of public liability cover you require, depending on the size of the projects you run and the amount of interaction you have with the public.

Ltd company employers' liability insurance

Employers' liability cover is a legal requirement for any company in the UK that employees staff. We can include this cover in your limited company insurance, with quotes from up to nine insurers to find the right insurance for your company. Our employers' liability cover can offer up to £10 million for any one compensation claim from an employee that injures themselves as a result of your limited company.

Professional indemnity insurance for your limited company

We can source the right professional indemnity cover for your business from our range of options and policy limits. This protects your ltd company by covering the cost of compensation claims, even if they run into the millions of pounds, including legal costs and a 24 hour legal advice help line. Our professional indemnity cover limits range from £1 million to £10 million to suit your limited company's needs.

Limited Company 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

Limited Company Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your limited company 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

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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.

Limited Company Insurance FAQs

Do I need professional indemnity insurance for my limited company?

Whilst indemnity insurance is not a legal requirement, most ltd companies cannot afford to be without it. Having a claim raised against you, even if it is not successful, can be very costly. Our limited company insurance, if it includes professional indemnity cover, will not only pay out for a compensation claim against you if it is successful, but also pay for legal and defence costs.

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 you cover my limited company for seasonal changes in stock?

Yes. If you are a retail limited company 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 limited company 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 money kept on my limited company's premises?

Yes, we can add cover for storing money in your ltd company's 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.

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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