Limited Company
Insurance
Limited company cover for a range of services & activities from £3.14 per month.*
- Public Liability included
- Join over 150,000 customers**
- Over 3000 5* reviews
From £3.14* a month
Get a quote for limited company insurance
Choose the catergory that best suits your business. All our business insurance comes with public liability as standard.
Pet Business
Therapist
Hairdresser
Personal Trainer
Other business
What is Limited Company Insurance?
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 covers claims made by third parties. That way, a single accident won’t turn into a financial crisis. It typically covers injury to someone (not including your employees) and damage to someone else’s property.
At Protectivity all our small business policies includes liability cover as standard, with the flexibility to add optional extras that fit your unique needs. You can choose from equipment cover, employers’ liability, additional legal protection, and a variety of other tailored add-ons, all designed to suit the size and nature of your business. From pet care services, therapy and hairdressing to personal training, creative services and many other trades, we make sure you’re covered.
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
What types of insurance does a limited company need?
Accidents and mistakes happen and when they do, the financial impact can be significant. Without insurance, you could face legal fees, compensation costs, and replacement expenses out of your own pocket.
Insurance helps protect your limited company from unexpected risks and gives you credibility with clients and partners who want reassurance that you’re covered.
The types of cover you’ll need depend on your business activities, but common policies for small businesses include:
Public Liability Insurance
Protects against claims from customers, suppliers, or members of the public for injury or property damage.
Professional Indemnity Insurance
Essential if you provide advice, designs, or professional services. Covers compensation and legal costs if a client claims your work caused them financial loss.
Employers’ Liability Insurance
A legal requirement if you employ staff. Covers injury or illness claims made by employees.
Legal Expenses Insurance
Helps with the cost of legal advice or representation for things like employment disputes or tax investigations.
Specialist Extras
We also offer tailored policies to suit niche industries, so you only pay for the cover that’s relevant to your business. This could be specific cover suited to services like pet care, hairdressing, manual trades, events and fitness.
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 extras like equipment, professional indemnity, legal expenses, or employers’ liability.
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 06/10/2025. 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.
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 150,000 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 06/10/2025. 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 Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data