Small business insurance

Specialist insurance tailored to your small business from just £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

With over 25 years’ experience insuring small businesses, our specialist business insurance is designed to cover a wide range of risks facing professionals, contractors, consultants and freelancers.

Few businesses can foresee a claim happening. A client taking legal action against you for sub-standard work, someone injuring themselves at your premises and making a personal injury claim against you, or even the theft of a laptop you use for your work could have a severe impact on your business and reputation.

We offer small business insurance for over 200 professions from as little as £5 a month. You can tailor your policy to include just the cover you want - with the option to spread the cost of your policy over 10 interest-free payments. Get a business insurance quote online in just 90 seconds today.

Insurance for small business

Markel specialises in offering insurance for small businesses, helping sole traders and self-employed workers get the most out of their cover. We know that no two businesses are the same and priorities differ, therefore we can help you put together a bespoke level of cover that suits the size and needs of your business. Our business insurance can be individually designed for your small businesses and all your unique needs.

Why take out this kind of insurance?

Business insurance can help protect business owners and independent professionals against everyday risks that can result in legal action, including:

  • Making a mistake in a piece of work for a client that causes them a loss
  • A visitor to your office slipping on a wet floor and injuring themselves
  • An employee tripping over a cable and suffering an injury

Should your business encounter unforeseen setbacks, small business insurance ensures that you and your employees remain protected while your business recovers.

You may find that clients and trade bodies require you to have business insurance cover before securing contracts or gaining membership. Importantly, insurance provides your business with more credibility to customers and employees.

How to buy business insurance

Fill in our fast and easy quote form to get an online quote that you can tailor to your individual needs. Get a quote in 90 seconds today.

How much does business insurance cost?

Insurance for small businesses from Markel starts from only £5 per month, with the option to pay over 10 interest-free monthly instalments. There are no hidden fees and – should you wish to cancel a policy - no cancellation charges.

Customer reviews


Rated 4.8 stars from 351 customer reviews at Google

Cover starting at just £5 a month

What cover does my business need?

Need some help?

0800 640 6600

Mon - Fri 08:30 - 17:30

local rate and mobile friendly


Cover starting at just £5 a month

Frequently asked questions

  • Can I run a business without business insurance?

    With the exception of Employers’ Liability Insurance, business insurance is not a legal requirement. However, if a claim does happen it could easily put your business in financial trouble. Think about what a claim could cost you and prepare for that level of cover as a minimum.

  • My business undertakes work with clients outside the UK - can you provide cover for it?

    We are able to insure businesses that undertake a small amount of work from clients based overseas, however it is subject to our underwriting criteria. Get a quote now to find out.

  • What limit of cover should I choose?

    When choosing your limit, you should first check if your clients require you to have a certain amount of public and product liability before entering a contract with you.

    However, if this isn't the case, make sure you have considered a worst case scenario and the costs that could likely be involved with not only defending the allegation, but also the compensation you might have to pay to put your mistake right. Markel offers limits ranging from £1m to £5m, so you are sure to find the right cover for your business' needs.

  • Why should I insure with Markel?

    With over 25 years of experience insuring contractors, consultants and self-employed professionals, at Markel, we insure over 200,000 micro businesses and are highly rated by our customers at

    We are a division of Markel International, a Lloyd's and London market insurer that wrote gross premium totals of $1.2 billion in 2018.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.

Expect more from your business insurer.

When you take out cover with Markel, you receive these exclusive services as standard:

24 hour legal helpline  24/7 access to a legal advice helpline manned by qualified solicitors

 Access our fee dispute service to assist with unpaid invoices

 A specialist cyber response helpline to help in the event of a cyber attack

Legal hub access  Access legal templates and resources with the Markel Law Hub

  Receive discounted IR35 contract reviews with your policy

  Expert management of public relations crises with The Counsel House

Discover more about these services

View the full list of professions we insure

Show all professions Show less

Cover starting at just £5 a month