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SME Insurance

Professions, Consultants and Contractors

Suitable for professionals and similar clerical activities primarily giving advice to third parties. Main cover requirements would be Professional Indemnity and Public Liability of visiting clients. If the business employs staff, even a part time, Employers Liability Insurance is compulsory. Office insurance form Home Office to rented or serviced office space.
Quote request for professional indemnity and liabilty insurance.

Tradesmans Liability Insurance

Builders, Joiners, Plumbers, Plasterers and similar trades as well as Electrical Contractors, CCTV Installers, Audio/Visual System Installers as examples all require Public Liability Insurance as they visit client premises. Additional covers to consider are Employers Liability Insurance if any staff are employed as well as Tools and Equipment.
Quote request for Tradesman's Insurance

Shop Insurance

One of the insurance policies often referred to a Package Insurance Policies. Suitable for businesses trading from traditional shop front premises on the high street, corner shops, shopping centres or arcades. Insurance cover can be provided for Buildings, Contents, Stock, Public Liability Insurance, Products Liability Insurance, Employers Liability Insurance and Goods in Transit.
Please provide more information to obtain a quotation.

Public House Insurance

From traditional Local Pub to Gin Bars, Gastro Pubs, Craft Beer, Wine Bars and Food Bars. Cover options for Buildings, Contents, Public, Products and Employers Liability Insurance as well as Contents & Stock
Request quote for Public House Insurance

Restaurant Insurance

Insurance can be combined as a Package or tailored to your restaurants requirements depending on the size and type of restaurant. Can range from small family run café/coffee shops up to large city centre locations as well as everything in between. Can provide cover for General Contents, Public, Products and Employers Liability, Stock including frozen stock, beers, wines and spirits and Loss of Licence
Request Quote for Restarant Insurance

Office Insurance

Office insurance requirements can range from Home Office comprising a desk, chair and computer up to multiple person purpose built rented or serviced offices. Insurance requirements range from office property, to employers and public liability insurance, professional indemnity as well as business interruption insurance. The insurance can be Packaged or Tailored.
Quote for Office Insurance
SME Insurance Quote

SME Business Insurance

If your business is classed as a SME (Small to Medium Enterprise ) you will require business insurance. It is estimated that around 80% of businesses in the UK fall within this definition so ensuring you have the right insurance is not always easy. The nature of your business will determine the insurance you need. Many will fit into categories - Office, Tradesman, Shop, Office or Liability including Professional Indemnity.

Our business and commercial insurance products not only protects your businesses against losses suffered in the course of your normal day to day activities, for example when the business faces a compensation claim. It also helps protect the years of hard work, dedication and total commitment you have put in.

We have tried to split different types of business needs into the categories above.by clicking on the link you will be taken to the most appropriate page. If you would; prefer to speak to one of our friendly advisors please phone the office or follow the call me button. 

Covers include professional indemnity insurance, public liability insurance, employers’ liability insurance and tradesman’s liability insurance.


Business insurance is important for all types of businesses from sole traders to large corporations whether you work on site, in a customer’s home or from your own premises (i.e.: Shop, office or workshop) we can tailor a cover suitable for you and your business.

Why choose Cover4Insurance for your Business Insurance?

  • Over 100 professions covered
  • Instant cover available
  • Pay as you go cover - via our rolling monthly contracts (UK businesses only)
  • Tailor the policy to your individual business needs with covers such as:
  • Professional Indemnity
  • Public Liability
  • Employers Liability
  • Office Insurance
  • Directors & Officers
  • Employment Practices Liability

What is the definition of an SME business?

A small or medium-sized enterprise, or SME, as defined by the European Commission is a business or company:

  • that has fewer than 250 employees; and 
  • has either (a) annual turnover not exceeding €50 million (approximately £40 million) or (b) an annual balance-sheet total not exceeding €43 million (approximately £34 million); and
  • of whose capital or voting rights, 25 per cent or more is not owned by one enterprise, or jointly by several enterprises, that fall outside this definition of an SME. This threshold may be exceeded in the following two cases: (a) if the enterprise is held by public investment corporations, venture capital companies or institutional investors provided no control is exercised either individually or jointly, or (b) if the capital is spread in such a way that it is not possible to determine by whom it is held and if the enterprise declares that it can legitimately presume that it is not owned as to 25% or more by one enterprise, or jointly by several enterprises, falling outside the definitions of an SME.

Source: TheFSEGroup.com


SME Insurance Quote
SME Insurance Quote

Professions, Consultants and Contractors

Suitable for professionals and similar clerical activities primarily giving advice to third parties. Main cover requirements would be Professional Indemnity and Public Liability of visiting clients. If the business employs staff, even a part time, Employers Liability Insurance is compulsory. Office insurance form Home Office to rented or serviced office space. Quote request for professional indemnity and liabilty insurance.

Tradesmans Liability Insurance

Builders, Joiners, Plumbers, Plasterers and similar trades as well as Electrical Contractors, CCTV Installers, Audio/Visual System Installers as examples all require Public Liability Insurance as they visit client premises. Additional covers to consider are Employers Liability Insurance if any staff are employed as well as Tools and Equipment. Quote request for Tradesman's Insurance

Shop Insurance

One of the insurance policies often referred to a Package Insurance Policies. Suitable for businesses trading from traditional shop front premises on the high street, corner shops, shopping centres or arcades. Insurance cover can be provided for Buildings, Contents, Stock, Public Liability Insurance, Products Liability Insurance, Employers Liability Insurance and Goods in Transit. Please provide more information to obtain a quotation.

Public House Insurance

From traditional Local Pub to Gin Bars, Gastro Pubs, Craft Beer, Wine Bars and Food Bars. Cover options for Buildings, Contents, Public, Products and Employers Liability Insurance as well as Contents & Stock Request quote for Public House Insurance

Restaurant Insurance

Insurance can be combined as a Package or tailored to your restaurants requirements depending on the size and type of restaurant. Can range from small family run café/coffee shops up to large city centre locations as well as everything in between. Can provide cover for General Contents, Public, Products and Employers Liability, Stock including frozen stock, beers, wines and spirits and Loss of Licence Request Quote for Restarant Insurance

Office Insurance

Office insurance requirements can range from Home Office comprising a desk, chair and computer up to multiple person purpose built rented or serviced offices. Insurance requirements range from office property, to employers and public liability insurance, professional indemnity as well as business interruption insurance. The insurance can be Packaged or Tailored. Quote for Office Insurance
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