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Small business insurance

No one can predict what the future has in store.

Our insurance partner Kingsbridge specialise in Small Business Insurance which helps protect you, your business, and your clients should the unexpected happen. Designed to suit your needs, their tailored packages include professional indemnity insurance, public liability insurance, and employer’s liability insurance. They also sell a number of add on products including Legal Expenses Cover.

To discuss your options, call us on 0333 311 0800, or get a quick quote online.

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What you'll get

Insurance built for you

Small businesses aren’t all the same, so your insurance shouldn’t be either. Kingsbridge have a number of packages with different cover levels and price points, and these can be customised for you if required. You can get cover if you have employees, work with the public, or need contractor insurance. They even offer cover for previous work.

Peace of mind

Kingsbridge can cover you for employers’ liability, public liability, professional indemnity, and more. Their Legal Expenses policy also offers cover against the costs of IR35 investigations and a 24-hour legal advice helpline if you want complete peace of mind. Just answer a few simple questions and we’ll give you an instant quote, then you can buy online today - no appointments, no fuss.

So much more

  • Comprehensive policy limits

  • A dedicated UK team

  • Flexible payment options

  • Tax-deductible business expense

  • Quick and easy to buy online

  • Coverage of an extensive range of professional occupations

Great deals for Crunch members, and a price promise guarantee

You can be confident that you’re getting a great value product. Not only can you get a 10% discount on your premium if you’re a Crunch client or Crunch Chorus member, but we also have a price promise guarantee. If you can find the same product at a cheaper price elsewhere we’ll refund the difference.

Sign up to Crunch Chorus for free

Underwritten by

E-Crunch Ltd are an Introducer for general insurance purposes only of Kingsbridge Risk Solutions. Kingsbridge Contractor Insurance is a trading name of Kingsbridge Risk Solutions Ltd. Authorised and regulated by the Financial Conduct Authority. Registered in England No. 4122238

Don't just take our word for it

Jad Deeb

November 26, 2021

Professional helpful staff Quick responses and they're really thorough and explain the process step by step :)

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A Hussain

November 16, 2021

Needed to get my business up and running quickly. Crunch took care of so much so quickly. Registering my business with companies house and sorting out the tax side with HMRC - only needing me perform tasks that HMRC do not allow them to perform. The Crunch software is easy to use and there are plenty of helpful videos and documentation. Great service from the Crunch support team, especially from Olivia Beadle. Thank you.

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James Cash

November 8, 2021

Crunch was able to find me the right mortgage, they kept me informed on progress and were responsive to my requests.

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Frequently asked questions

Can I use Crunch software on my tablet or mobile phone?

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You can use our accounting software on a range of tablets, including iPad and Android devices. We also offer iPhone and Android apps to help you record expenses on the move and track your business mileage.

Can Crunch help with VAT registration?

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Yes! If your business exceeds the VAT threshold, you are legally required to register for VAT. In some cases it can be beneficial to register for VAT before your turnover reaches the threshold.

We can advise you as to when you should register and will handle the registration on your behalf for no extra charge.

What is a registered office?

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As your registered office, Crunch will deal with your Companies House and HMRC post on your behalf. Once they arrive at our offices, the letters will be scanned, securely stored in your account and shredded. If action is required from you, your client manager will notify you and explain the situation.

Anything that isn't from Companies House or HMRC will be returned to sender.

What is an authorised agent?

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As authorised agents, we act on your behalf, dealing with HMRC and Companies House for your company.

What are my responsibilities?

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In order for us to generate your VAT returns, Corporation Tax and year end documents, you need to keep your Crunch records updated. We recommend that you reconcile your bank account on Crunch once a month. You can verify your entries using our bank reconciliation system before every tax filing.

Depending on your company activity, updating your Crunch account can take as little as a few minutes per week.

Can I sign up online?

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You can register your interest online, but our advisors will need to contact you to start the process and perform the necessary security checks, which can't be done online. Once you've spoken with an advisor, you'll be introduced to your client managers who will be on hand to answer any questions.

Does Crunch have a minimum term or contract?

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We have either monthly subscriptions with a rolling 30-day contract, or annual subscriptions with a 12-month contract. If you have paid up to the end of a certain financial period, we will still complete and file any HMRC or Companies House submissions for that period, even if the deadline occurs after you leave Crunch.

I hate bookkeeping! Is Crunch's software difficult to use?

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We pride ourselves on the ease of use of our software, which makes your bookkeeping quick and efficient. If you ever need help, your client managers will be more than happy to assist.

We also have a wealth of templates and business guides available, which will help you with everything from invoicing, to chasing funds to finding out about expenses.

What level of accounting expertise does Crunch have?

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As with all accountancy firms, the experience and qualifications of our accountants vary. Our accounting staff range from chartered certified accountants all the way through to apprentices. Our accountants undertake a programme of ongoing training so they are up-to-date with any accounting and tax legislation changes.

Our accountants have a range of qualifications from the Association of Accounting Technicians (AAT) to the Association of Chartered Certified Accountants (ACCA). We're also an ACCA Accredited Employer.

How much advice is included in my monthly fee?

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You get unlimited advice from your client managers and our accountants at any time during office hours, over both email and phone. You don't need to book an appointment or find time in your busy day to visit us, we're available as and when you need. Our office hours are Monday to Friday, 9am to 5.30pm.

How quickly can I be up and running?

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To activate your Crunch account you need an active limited company, a business bank account, and your historical accounting data from your previous accountant, if applicable.

If you have these, your account can be set up in a few minutes. If not, we'll help you get set up. Your client managers can form your limited company, send you information on opening a business bank account, and assist you with transferring your accounting data over from your old accountant.

What kind of support will I get with my accounting?

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You will have unlimited support from both your dedicated client managers and from our team of expert chartered certified accountants.

We'll let you know of key dates in the financial year, helping you avoid fines and stay on the right side of HMRC and Companies House.

You also have unlimited access to advice relating to your business from our team of expert chartered certified accountants, who can help you with everything from specific accounting or tax queries to business expenses.

How easy is it to switch to Crunch?

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Switching to Crunch from another accountant is quick and simple. If you've just completed a previous financial period, it may be as simple as inputting your opening balances, which can be done in seconds.

Your dedicated client manager will help you with the switching process, including contacting your previous accountant and arranging for the transfer of records, and notifying HMRC and Companies House of the change.

A setup fee may apply depending on the time of year you switch. Please contact us for individual details.

Do I need business insurance?

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Having adequate insurance in place helps protect you and your business, as well as your clients and the general public. Your clients may also demand you have business insurance.

What is public liability insurance?

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Public liability insurance protects your business against a claim from the public for financial loss, accident, or injury.

What is employers' liability insurance?

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Employers' liability insurance provides a financial award to a member of your staff who is injured or has property damaged whilst in your employ during working hours.

What is professional indemnity insurance?

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Professional indemnity insurance offers protection for your business against a customer suing you for a financial loss that they believe you caused through negligent advice and services.