SME Insurance

  • Connector.

    UK Leading Small Business Insurance Broker

    We search an extensive panel of insurers to get you the best policy at an affordable price.

  • Connector.

    Cover Available for a Wide Variety of Business Types

    From shops and offices, to tradesmen and commercial combined, we will tailor a policy that suits all of your business needs.

  • Connector.

    Business Insurance Experts

    Our experienced and knowledgeable team will tailor your policy to suit your individual business needs.

  • Connector.

    Vast Range of Businesses Covered

    With a wealth of insurance schemes to use, there isn’t much we aren’t able to cover.



  • At equotedirect.co.uk, our Small to Medium Enterprise insurance policies are provided by the UK’s leading insurance companies. We work in partnership with a huge number of insurers to get you the best value and most suitable insurance quotes for your requirements.

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SME Insurance – Types of Business we can cover:

  • Shops & Retailers.
  • Tradesmen & Contractors.
  • Restaurants, Pubs & Cafés.
  • Residential and Commercial Property Owners.
  • Salons, Hairdressers & Beauticians.
  • Offices & Surgeries.
  • Professional Indemnity.

These are just a handful of businesses we can cover, so don’t worry if your trade is not listed above. Get it touch with our specialist team to find out more.

What is SME (Small / Medium Enterprise) Insurance?

When you run a small to medium business, you need to consider the specific risks you face as a business. We understand that no two businesses are the same, and we are able to tailor our SME policies to meet the specific needs of each business.
We are able to cover a vast range of business types; from Tradesmen, Mobile Hairdressers and Professional Indemnity, to Shops, Salons and Commercial Combined policies.
Some areas of cover that we can offer that you may need to consider:

Public & Products Liability

– This will cover you in the event of a customer or member of the public being injured whilst on your premises, while using one of your products, or as a result of your, or one of your employees, work or negligence.

Employers’ Liability

– If you have people working for you, it is required by law for you to hold this employers’ liability insurance. The law states that your policy must cover at least £5 million. If an employee were to sustain illness or injury as a result of working for your company, they could make a claim against you, so it is important you are covered.

Contents, Stock and Tools Cover

– If you run a business from a premises, you may have invested a lot of money in business equipment and stock. Cover is available to cover these items in case of loss or accidental damage. We can also cover equipment while off the premises such as laptops and phones.
If your business is mobile, we can offer cover for your tools and other business equipment.

Business Interruption Cover

– If the business was to suffer a loss and unable to trade and make profit for a period of time, how would this affect you? Business interruption cover would protect you for such instances.

Business Money

– We can cover money on the premises during working hours, out of hours providing the security meets the insurer’s requirements, in a bank night safe, in transit and in a private dwelling. If your business handle cash payments, this cover should be considered.

This will cover you in the event of a customer or member of the public being injured while on your premises or as a result of your, or one of your employees, work or negligence.
This will cover you in the event of a customer or member of the public being injured while using one of your products.
If an employee were to sustain illness or injury as a result of working for your company, they could make a claim against you, so it is important you are covered.
If you have people working for you, it is required by law for you to hold this employers’ liability insurance. The law states that your policy must cover at least £5 million.
You are still required to hold Employers’ Liability Insurance for temporary employees. We can add this as extension to your policy under most circumstances.
Don’t worry, just because you have claimed in the past, it doesn’t mean we won’t be able to get cover for you. We will ask for details of previous claims and assess the risk on a case by case basis. Speak to one of our friendly advisors who can help you.
We have access to a wide range of insurers and can cover most businesses, even the weird and wonderful! Speak to one of our advisers who will be able to assess your requirements and advise whether we can help you.
If the business suffered a loss and unable to trade and make profit for a period of time, business interruption cover would protect you for such instances. We can include this extension into our policies.
No, we can offer you flexible payment terms which will allow you to pay for your policy over instalments. For more information, please call us on 01227 285540.
Yes, providing that you meet the criteria for our policies, and providing you are happy with the quotation provided, we can get you covered immediately. We would need to take at least a deposit payment from you over the phone for cover to commence.