SME 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 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.


SME Insurance Quote