My Account
Working with insurer markets
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
-
-
- CHUBB
-
-
- AXA
Limited company insurance: quick answer
A limited company does not buy one compulsory package. The cover depends on its staff, work, advice, contracts, premises, equipment and data. Employers' liability is generally required when the company employs people, subject to limited exemptions; public liability, professional indemnity, cyber, property and directors' cover address different risks and remain subject to insurer terms. Directors and officers cover protects eligible management liabilities rather than the company vehicle itself, so cars and vans should be reviewed through the appropriate commercial vehicle insurance route.
Protect Your Limited Company with Tailored Insurance Solutions
Running a limited company can create liability, contract, employee, director, property and cyber risks. At Insure24, we help UK companies compare the cover sections that matter before they request terms, whether the business needs a simple liability package or a wider commercial insurance review.
Get your free quote today:
Essential Insurance Coverage for Limited Companies
Professional Indemnity Insurance
Protects against claims of professional negligence, errors, or omissions in your services. Essential for service-based limited companies and those providing professional advice.
- Client claims protection
- Legal defense costs
- Subcontractor claims coverage
- Previous work protection
Get the Right Insurance for Your Business
Answer a few quick questions to find the right cover for your business.
Start Your QuoteNot sure what cover you need? Get a quick recommendation
Public Liability Insurance
Covers claims from third parties for injury or property damage caused by your business operations.
- Third-party injury claims
- Property damage protection
- Legal costs coverage
- Up to £10 million coverage available
Get the Right Insurance for Your Business
Answer a few quick questions to find the right cover for your business.
Start Your QuoteNot sure what cover you need? Get a quick recommendation
Employers' Liability Insurance
Legally required if you employ staff. Protects against claims from employees for work-related injuries or illnesses.
- Employee injury claims
- Occupational illness coverage
- Legal compliance
- Minimum £5 million coverage
Commercial Combined Insurance
Comprehensive package combining multiple coverages for complete business protection.
- Buildings and contents insurance
- Business interruption coverage
- Equipment and stock protection
- Cyber liability protection
Directors & Officers Insurance
Specialist protection for company directors and officers against personal liability claims.
- Personal liability protection
- Employment practices coverage
- Regulatory investigation costs
- Corporate reimbursement
Why Choose Insure24 for Your Limited Company Insurance?
- Specialist Expertise: Deep understanding of limited company risks and requirements
- Tailored Solutions: Policies designed specifically for your business sector and size
- Structured comparison: Compare cover, limits, excesses, exclusions and insurer terms rather than price alone
- Claims Support: Dedicated claims handling and support when you need it most
- Regulatory Compliance: Ensuring your insurance meets all legal requirements
- Flexible Payment Options: Monthly or annual payment plans available
Get Your Limited Company Insurance Quote Today
Equipment Protection
- Equipment, and controllers
- Professional lighting systems and effects
- Sound systems and amplification equipment
- Security cameras and access control systems
Licensing & Regulatory Support
- Legal expenses for licensing disputes
- Support for health and safety compliance
- Assistance with noise complaints and regulatory issues
Event-Specific Coverage
- Special events and private hire protection
- Visiting and performer liability
- Promotional activity coverage
Review the whole company risk. Liability, property, advice, cyber and management exposures may need separate sections, limits and insurer checks.
UNIQUE INSURANCE
TAILORED FOR YOU
Why Choose Insure24 for Limited Company Insurance?
- Specialist Knowledge - We understand the unique risks facing limited company operators
- Comprehensive Coverage - Multiple insurance products designed to work together
- Clear comparison - Review cover, limits, excesses and insurer terms alongside premium
- Expert Support - Dedicated team available when you need us most
- Claims guidance - Clear contact and notification steps for the selected insurer
- FCA Regulated - Authorised and regulated by the Financial Conduct Authority
Get the Right Insurance for Your Business
Answer a few quick questions to find the right cover for your business.
Start Your QuoteNot sure what cover you need? Get a quick recommendation
Protect Your Limited Business with Specialist Insurance Coverage
Get Your Limited Company Insurance Quote Today
Don't leave your limited company exposed to unnecessary risks.
Our specialist team will assess your business's unique needs and provide a comprehensive insurance solution that protects your operations, your customers, and your livelihood.
Call us now: 0330 127 2333
Or start the online quote request at insure24.co.uk
FREQUENTLY ASKED QUESTIONS
+-
What insurance is legally required for limited companies?
Employers' Liability Insurance is legally required if your limited company employs staff, with minimum coverage of £5 million. Professional Indemnity Insurance may also be required depending on your industry or professional body requirements.
+-
How much does limited company insurance cost?
Costs vary by business activity, turnover, payroll, contract values, premises, limits, claims history and selected cover. A quote is specific to the risk and should be compared alongside excesses, exclusions and policy wording.
+-
What factors affect my insurance premium?
Key factors include business type and sector, annual turnover, number of employees, claims history, business premises, and the level of coverage required. Higher-risk industries typically face higher premiums.
+-
How do I make a claim on my limited company insurance?
Claims Process:
- Contact us immediately on 0330 127 2333 or through your online account
- Provide full details of the incident and any supporting documentation
- Our claims team will guide you through the process and liaise with insurers
- Keep all receipts and evidence related to the claim
- Do not admit liability or make any settlements without insurer approval
- Claims are typically processed within 10-15 working days for straightforward cases
+-
Will previous convictions affect my insurance?
Convictions Impact:
- You must declare any unspent convictions for company directors and key personnel
- Minor convictions (e.g., traffic offenses) typically have minimal impact
- Fraud, theft, or dishonesty convictions may significantly affect premiums or availability
- Each case is assessed individually by insurers
- Spent convictions under the Rehabilitation of Offenders Act generally don't need declaring
- Non-disclosure of relevant convictions can void your policy
- We work with specialist insurers who consider applications with adverse backgrounds
+-
How does adverse credit history affect my insurance options?
Adverse Credit Considerations:
- Poor credit history can impact insurance availability and pricing
- Insurers may require credit checks for company directors
- CCJs, bankruptcies, or IVAs must typically be declared
- Recent financial difficulties have more impact than older, resolved issues
- Some insurers specialize in providing cover for businesses with credit issues
- Higher deposits or annual payments may be required
- Improving credit score over time can lead to better insurance terms
- We can access specialist markets for adverse credit situations
Related Covers
Limited companies need the right mix of liability, cyber, premises, governance, and continuity protection depending on how they trade. These guides connect limited-company cover with the most relevant office, management-liability, contractor, and business-insurance pages across related cover and guidance pages.