Tailored Business Insurance

Build business insurance quotes with get indemnity™ to ensure you purchase the most appropriate protection

Get indemnity™ business insurance

tick
There remains an abundance of insurers willing to compete to underwrite your company insurance.
tick
Compare quotes for small business insurance online (less than £100 million turnover).
tick
Business insurance from the wholesale market can cost as little as £220 per year.
tick
Complete our digital on-boarding process and we can identify a range of business insurance quotes.

Compare Business Insurance Quotes

Understand necessary and cost-effective types of company insurance to mitigate your risk

When companies are faced with risks that can potentially cause financial harm but the chance of occurring is low, business insurance provides an effective means to spread the cost and reduce the financial impact. 

At get indemnity™ business insurance starts at £220 annually or £18.33 monthly. Below we provide some background and explain what business insurance you should consider and how it can offer protection from unexpected events.


    Get indemnity™ business insurance

    At get indemnity we offer a digital platform to present your risk information to a number of highly rated specialist business insurers. Your business insurance quotes can typically be offered within 48 hours, offering greater choice and decision making.

    As a UK & London insurance broker we have access to range of underwriters with the capacity to provide flexible and tailored business insurance solutions. At get indemnity™ business cover starts at £220 per year or £18.33 per month, depending upon the insurance required.

     

    Compare business insurance quotes with get indemnity™

    Compare business insurance quotes from the wholesale insurance market with our digital on-boarding process to benchmark your existing cover.


    What business insurance do you need?

    Identifying the right business insurance can seem like a difficult task. However, it's worth spending time to assess your situation and consider what protections (i.e. public liability insurance) can assist if something unexpected occurs.

    Business insurance is one of the most effective ways to manage unexpected costs. However, the decisions you make concerning your business coverage will very much depend upon your individual circumstances.

    Our simple digital onboarding process allows your company to apply for business insurance quotes from a number of highly rated specialist insurers.


    Why you should compare business insurance quotes?

    There remains an abundance of insurers willing to compete to underwrite your business insurance. In what is commonly referred to as a ‘soft market’, the customer has greater choice and negotiating power because supply outweighs demand.

    At get indemnity our customers can consider a range of insurance options designed to meet their individual requirements. As a digital insurance broker, we maintain the knowledge and expertise to identify a range of company insurance solutions to meet your needs.

    Potential cost savings can be achieved by comparing your existing renewal terms against quotes from the wholesale market. To obtain your tailored business insurance quotes, please complete our online application.


    What business insurance do we require under UK law?

    When considering what business insurance you need, there are a few compulsory business insurance covers required under UK law:

     

    Employers liability insurance

    Employers liability insurance which must be purchased as soon as you become an employer, with a minimum of £5 million Limit (however £10 million is more commonly offered) from an authorised insurer.

     

    Professional indemnity insurance

    Professional Indemnity insurance must be purchased if you operate within a regulated industry, such as financial services that requires minimum amounts of business insurance.

     

    Business fleet insurance

    Business fleet insurance or vehicle insurance must be purchased if you drive your car, van or haulage vehicle on UK roads. With third party insurance a legal minimum if you have an accident causing damage or injury.

     

    At get indemnity™ we can assist you in identifying which business insurance covers you should consider purchasing. Liability principles such as ‘duty to defend’, ‘indemnification’ and ‘long-tail liability’ are discussed within our business liability insurance page.


    Is our business currently underinsured?

    Does your business insurance provide sufficient protection in the event of a claim? A thematic review by the Financial Conduct Authority in 2015 revealed 40% of SMEs could be underinsured, leaving themselves exposed to a significant financial shortfall.

    If a business insurance claim exceeds the maximum amount payable under your policy, or you don’t have adequate protection that meets your needs in the event of a financial loss, you are deemed to be underinsured.

    Customers who undervalue their small business insurance in a calculated way to reduce their premium, might be surprised at how little they ‘save’ and how costly a loss could impact their company.


    How to compare insurance for your business?

    Complete our online application to compare business insurance quotes from the wholesale market. With access to numerous insurers across the UK, we can save on your business insurance cost while offering the protection you require.

    As a digital insurance broker for business, we have the capacity to identify the most appropriate insurance to meet your needs.

    Note business insurance definitions and exclusions vary, therefore it is worth considering the terms and features to understand what cover best meets your requirements.

    We can provide business insurance quotes within 48 hours, however depending upon your business, obtaining appropriate protection to meet your needs may take longer.


    Best business insurance providers:

    As a business insurance broker, we at get indemnity™ work with a wide range of leading insurance underwriters to obtain the most favourable business protection for our clients.

    Leading business insurance providers include: Ageas, AIG, Allianz, AXA, Beazley, Chubb, CNA Hardy, Covea, Focus, Folgate, Hiscox, NIG, Markel, Tokio Marine, and QBE.
     
    Best business insurance providers include: Ageas, AIG, Allianz, AXA, Beazley, Chubb, CNA Hardy, Covea, Focus, Folgate, Hiscox, NIG, Markel, Tokio Marine, and QBE.

    What types of business insurance are available?

    Business insurance from get indemnity™ includes a range of covers designed to offer companies protection against financial losses in the event of an unforeseen event. Also known as commercial insurance or company insurance.

    Below we provide an insight into purchasing insurance for business and offer general advice to UK companies. Your business activities, size and risk appetite are just some of the factors that will indicate what business insurance best meets your needs.

     
     
    What would happen if..
     
     
    Business Insurance:
     
     
    What the cover does:
     

    A customer requests financial compensation for a mistake in the offering of a professional service.

    > Professional Indemnity

    Protects your business against legal costs incurred in defending the allegation; and damages from any award or settlement.

    The business is faced with insolvency and creditors pursue legal action against the directors.

    > D&O Insurance
    > Management Liability
    Protects insured persons against legal costs incurred in defending the allegation; and damages from any award or settlement.

    The Crown prosecutes your business for corporate manslaughter as a result of management failures.

    > Corporate Legal
    Protects your business against legal costs incurred in defending the allegation.

    A customer claims for compensation after slipping on a wet floor at your business premises and causing a serious injury.

    > Public Liability Insurance
    Protects your business against legal costs incurred in defending the allegation; and damages from any award or settlement.

    An employee claims for compensation after falling at work and causing serious injury.

    > Employers Liability
    Protects your business against legal costs incurred in defending the allegation; and damages from any award or settlement.
    An employee claims for damages arising from unfair dismissal and workplace harassment.
    > EPL Insurance
    Protects your business against legal costs incurred in defending the allegation; and damages from any award or settlement.

    You discover a trusted employee has been stealing hundreds of thousands of pounds over the last several years.

    > Crime Insurance
    Protects your business against financial loss from the theft of property, money or securities by an employee.

    A fraudster pretending to be a supplier reports their bank details have changed and payment is sent to the wrong account.

    > Social Engineering Fraud
    Protects your business against financial loss from the theft of property, money or securities as a result of social engineering.

    A hacker breaches your business’s electronic security and steals personal information.

    > Cyber Insurance
    Protects your business against financial loss arising from security and privacy breaches. Can include first and third-party losses.

    A product that your business manufactures or sells causes injury to a customer and they claim for financial compensation.

    > Product Liability
    Protects your business against legal costs incurred in defending the allegation; and damages from any award or settlement.

    Your business premises, machinery and stock were destroyed as a result of an insurable event? (i.e. fire, flood or storm).

    > Property Damage
    Protects your buildings and contents (including options for stock and computer equipment) against loss or damage from a range of insured perils.

    Your business was unable to trade as a result of an insured peril.

    > Business Interruption
    Protects against the loss of income from being unable to trade as a result of the insured peril (i.e. property damage from a firm, flood or storm).
    A group of retirees bring an action against the business and its trustees for a breach of fiduciary duty.
    > Pension Trustee Liability
    Protects your business, pension plan and trustees against exposures resulting from the management of the pension plan.
    A tenant causes damage to your property's fixtures and fittings.
    > Property Owners Insurance
    Protects your buildings and contents against loss or damage from a range of insured perils.
    There is a fire at your construction site and works you have completed have been destroyed.
    > Contractors All Risk

    Protects the work in progress on a construction site in the event damage occurs as a result of an insured peril.

    A vehicle accident occurs with one of your drivers at fault.
    > Business Fleet Insurance
    Protects from an accident causing damage or injury. Comprehensive cover will provide for damage to your car, van or haulage vehicle.
    One of your employees becomes sick and is unable to work.
    > Business Health Insurance
    Protects the health of your employees if the unexpected occurs. Mixed levels of cover available according to budget and business requirements.
     

    Simply compare business insurance quotes online


    This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.