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Small Business Insurance

"Crunch have been exceptional. All in all, a great service."

Richard Suller, IT Consultant

Designed for you

With 9,000+ clients, we understand small businesses and have tailored our insurance packages to suit your needs.

Underwritten at Lloyd's

You're in safe hands. All our insurance policies are underwritten at Lloyd's of London.

Super-low excesses

Making claims shouldn't be costly. With our low excesses, you won't be unfairly penalised if you ever need to claim.

Not sure? We can help. Call us now on 03333 118 000

Not including you.

Standard
Per year Includes insurance premium tax
  • Employers' liability - £10 millionCover for claims made by your employeesNo excessRead more
  • Public liability - £1 millionCover for claims made by the public£50 excessRead more

Plus
Per year Includes insurance premium tax
  • Employers' liability - £10 millionCover for claims made by your employeesNo excessRead more
  • Public liability - £2 millionCover for claims made by the public£50 excessRead more
  • Professional indemnity - £100KProtection for you for claims made by clientsNo excessRead more

Premium
Per year Includes insurance premium tax
  • Employers' liability - £10 millionCover for claims made by your employeesNo excessRead more
  • Public liability - £5 millionCover for claims made by the public£50 excessRead more
  • Professional indemnity - £250KProtection for you for claims made by clientsNo excessRead more
  • Add Business Interruption coverage?
    Gross Profit - £300K
    Loss of Revenue* - £500K
    Increased Cost of Working* - £100K
    * Single coverageNo excessRead more

The total cost includes a broker fee of £13. For every policy we sell, we donate a proportion of the total cost to charity.

Get your Crunch Chorus discount

Members of Crunch Chorus save 10% a year. It's free forever and you'll get access to advice, guides, campaigns and much more.

The underwriting members of the ProSight Specialty Insurance group of companies are rated "A" (Excellent) by A.M. Best. ProSight also operates Syndicate 1110 at Lloyd's of London, which is rated "A+" (Strong) by Standard & Poor's. ProSight has regional offices in London, England, Los Angeles, Calif., Santa Rosa, Calif., and New York, NY.

Crunch Insurance is a trading style of E-Crunch Ltd which is an appointed representative of Seico Insurance & Mortgages Limited. Seico Insurance & Mortgages Limited is authorised and regulated by the Financial Conduct Authority for the conduct of mortgage and insurance broking business. FCA number 300024

Self-employed person purchasing business insurance

Do I need small business insurance?

Running your own business takes a lot of passion, dedication, and investment (of time and money). It’s therefore vital you have the correct insurance in place to cover you if something unexpected happens.

Whether or not an incident is your fault, it could mean the difference between your business staying afloat and going under.

Ultimately, having the correct business insurance policy helps support you, your business, your clients, and the general public should the need arise.

What makes us different?

We understand the needs of small businesses. Using knowledge gained from the 9,000+ satisfied clients who already trust us to look after their accounts, we’ve designed Crunch Insurance from the ground up.

We’ve created three packages to make it as easy and quick as possible to get insurance, including cover for professional indemnity, employers’ liability, public liability, and business interruption.

No long forms to fill out, no unnecessary questions, no hassle.

Small business insurance explained

Small business employers’ liability insurance

Aside from a few exceptions, employers’ liability insurance is mandatory for small businesses. It provides a financial award to a member of your staff who is injured or has property damaged while in your employment during working hours.

Small business public liability insurance

Public liability insurance protects you, the business owner, against a claim from the public for financial loss, accident, or injury. It also protects the public for any accident or injury sustained due to the business.

Small business professional indemnity insurance

Professional indemnity insurance offers protection for small businesses should a customer sue you for a financial loss they believe you caused through your action or negligent advice.

Business interruption insurance for small businesses

If you are unable to carry out your work due to a disaster, business interruption insurance will mean you don’t lose out financially.

What our clients are saying

“For someone starting out in the world of business startups, Crunch have been exceptional. In terms of price, they were very reasonable compared to the amount that some colleagues were paying. All in all, a great service.”
Richard Suller, IT consultant

“I really like the Crunch accounting service. And by purchasing my business insurance with them, I now have everything under one roof.”
Marek Stasikowski, IT contractor

Making tax digital

Free business insurance guide

Want to find out more about small business insurance?

Our Business Insurance guide tells you everything you need to know as a small business, without any of the jargon.

Best of all, it’s free for you to download and keep. Grab your copy today!

Get the guide