Limited Company
Insurance
Specialist business insurance for limited companies from only £3.14 per month.*
- Public Liability included
- Join over 180,000 UK customers**
- Get an instant quote online
From £3.14* a month
What’s covered with Limited Company Insurance?
Insurance for limited companies helps protect your business from unexpected risks and gives you credibility with clients and partners who want reassurance that you’re covered. The cover you need will depend on the nature and size of your company.
At Protectivity, all our business policies can protect limited companies with liability cover as standard, in case a claim is made against it. You can tailor your policy with optional add-ons such as equipment cover, employers’ liability, and additional legal protection, ensuring your insurance reflects the specific risks of your business. From pet care services, therapy and hairdressing to personal training, creative services and many other trade companies, we make sure you’re business is covered.
Cover may vary depending on your trade or profession. Get a quote to see the full range of options available for your business.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Employers' Liability
Professional Indemnity
Public Liability Insurance
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity Insurance
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees, if you have the correct employers’ liability insurance.
Employers’ Liability Insurance
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment Insurance
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select. For the tools and equipment, you rely on to earn a living.
Stock
- If your stock is lost, damaged or stolen, it can be covered up to the value you select.
Legal Expenses Insurance
- An option to include cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
Cover may vary depending on your trade or profession. Get a quote to see the full range of options available for your business.
- We provide tailored policies service sectors including pet care, hair and beauty, manual trades, events, and fitness. That way, you only pay for cover that’s relevant to your work.
Public Liability for tradesman
Protection against claims from third parties (e.g., a member of the public) who suffer injuries or have items of their property damaged due to your actions. This does not include third-party property that forms part of the working contract site.
Claims for damage to property that is part of the construction or worksite itself are excluded under public liability. For instance, if the contractor is working on a site owned by someone else and the property forms part of the construction project, such damage would not be covered by this insurance. However, this can be included by adding Contract Works cover.
Cover may vary depending on your trade or profession. Get a quote to see the full range of options available for your business.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Contractors Works
- Up to £250,000 worth of cover
- This cover can protect you against loss or damage to any permanent or temporary works you’re responsible for, including all the materials.
Plant & tools hired
- Up to £50,000 worth of cover.
- Covers you for loss of or damage to, hired tools and equipment, temporary buildings, caravans, or similar that you have hired in connection with any contract works being undertaken by you.
- Cover also includes your legal liability for hiring charges following damage to any hired property.
Plant & tools owned
- Covers your tools and equipment, temporary buildings, caravans, or similar on-site that are owned by you and used in connection with any contract works being undertaken by you.
- Covers your tools and equipment off-site if locked in an unattended vehicle. This is only available as an extension of plant & tools owned cover and covers your own portable tools, including power driven portable tools and business equipment, when kept in a locked vehicle and left unattended.
Employees tools & personal effects
- This covers tools and personal items owned by your employees while on any site, or those you’re responsible for under a joint working agreement.
- It’s not available as a standalone cover but comes with either Contract Works or Owned or Hired Plant & Tools cover, with protection up to £500.
Financial Loss
- Protection from claims from other parties relating to financial losses not directly consequent upon bodily injury or damage.
- Cover for bona fide subcontractors, who should have their own insurance.
- Claims for financial losses relating to non or late delivery of products to third parties.
For information on exclusions in your cover please refer to policy documentation.
What types of insurance does a limited company need?
If you run a small business, you’ll often be working with customers, suppliers, or members of the public. Accidents can happen, someone could be injured or their property damaged because of your business activities. If that happens, your company could face expensive legal claims.
Limited Company Insurance is designed to protect your business from these risks. One of the most common forms is Public Liability Insurance, which can cover claims made by third parties. That way, a single accident won’t turn into a financial crisis.
The types of cover you’ll need depend on your business activities, but common policies for small businesses include:
Public Liability Insurance
When you run a limited company, your business may operate from offices, client premises, retail spaces, or on-site locations. Accidents can happen at any time, for example, a member of the public could be injured by tools, products, or services your business provides.
Public liability insurance protects your company if a claim is made, covering legal defence costs and compensation payments so an unexpected incident doesn’t result in serious financial impact.
Professional Indemnity Insurance
If your limited company provides advice, designs, consultancy, or specialist services, there’s always a risk that a client could claim your work caused them financial loss. They may dispute professional advice, question the accuracy of deliverables, or allege that a service failed to meet agreed standards.
Professional indemnity insurance is designed to protect your company in these situations, helping cover legal costs and compensation while safeguarding both your finances and your professional reputation.
Employers’ Liability Insurance
If your limited company employs staff, including full-time, part-time, temporary, or contract workers, employers’ liability insurance is a legal requirement. It protects your business if an employee is injured or becomes ill as a result of their work.
This cover ensures your company meets legal obligations and protects you from potentially substantial claims and fines.
Equipment Cover
For many limited companies, equipment is essential to day-to-day operations — from tools and machinery to laptops, office technology, creative equipment, or specialist devices. If key assets are stolen, damaged on-site, or lost while being transported, your business operations could be disrupted.
Equipment cover helps your company repair or replace vital items, often on a new-for-old basis, so you can minimise downtime and keep your business running smoothly.
Our experts explain why...
“Limited company insurance provides essential protection for your business, your employees, and your directors. From public liability and professional indemnity to employers’ liability, the right cover helps safeguard against costly claims, accidents, or legal disputes. Even one unexpected incident could put your company’s finances and reputation at risk. Our insurance is designed with small businesses in mind, giving you the freedom to focus on delivering your services while we handle the cover.”
Chris Trotman, Protectivity Underwriting Manager
How much does limited company insurance cost?
At Protectivity policies start at just £3.14* a month.
The cost of your insurance depends on factors such as:
- The size of your business
- Your annual turnover
- The number of employees you have
- The level of cover you select
For example, liability cover can range from £1 million to £10 million, depending on your needs.
At Protectivity, public liability insurance is typically included as standard. Our policies are flexible, allowing you to add extra cover such as employers’ liability, business equipment, professional indemnity, or legal expenses.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Therapist Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Third Party Property Damage
£750
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Who needs limited company insurance?
Any small business operating as a limited company should consider insurance. Whether you’re a one-person consultancy, a shop owner, or a growing team with employees, insurance can safeguard your finances and reputation.
You may also find that some clients, venues, or trade associations require you to hold certain types of insurance before working with them.
It’s essential cover for:
Small businesses and consultancies
From one-person businesses to firms providing professional services.
Growing companies with staff
Including part-time, seasonal, or temporary workers.
Employers and directors
Limited companies responsible for staff, contractors, or co-directors.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your limited company insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Do I need insurance if I’m the only employee/director?
Yes, even if you’re the sole director or employee of your limited company, insurance can still protect you. For example, if a client or member of the public makes a claim against your business, you’d be personally responsible for the costs without cover. Insurance ensures that one mistake or accident doesn’t put your business, or your own finances, at risk.
Is limited company insurance a legal requirement?
Not all types of insurance are legally required. However, if your limited company employs staff (even part-time or temporary), you must have Employers’ Liability Insurance by law.
Other policies, such as Public Liability or Professional Indemnity, aren’t legally required but are recommended to protect against expensive claims and are often requested by clients or venues.
Do I need public liability insurance for a limited company?
If your business interacts with customers, suppliers, or the public, Public Liability Insurance is highly advisable. It covers claims for injury or property damage caused by your business activities. While not a legal requirement, many clients, landlords, or event organisers will insist you have this cover before they agree to work with you.
Do I need professional indemnity cover?
If your business provides advice, consultancy, or professional services, Professional Indemnity Insurance is vital. It covers you if a client claims your work has caused them financial loss due to negligence, mistakes, or poor advice. In some industries and contracts, it’s mandatory.
Can I include subcontractors in my policy?
Yes, many of our small business insurance policies allow you to include subcontractors, though the type of cover needed can depend on how they work with your business. If they’re under your supervision and using your equipment, they may need to be covered under your Employers’ Liability Insurance. If they operate independently, they may require their own insurance.
What’s the difference between personal and company liability?
Personal liability refers to claims made against you as an individual, often in a private context. Company liability, on the other hand, covers claims made against your business as a legal entity. With a limited company, separating personal and business liability is crucial — but without the right insurance in place, you could still be personally exposed to financial loss.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data