Limited Company Insurance
What Is Limited Company Insurance?
At The Insurance Octopus, this useful policy provides complete protection for all kinds of limited companies, including marketing agencies, fashion retailers and leisure businesses. We can offer cover based on varying needs – such as employer’s liability, product liability and public liability, as well as building and contents cover – ensuring your policy is as strong as your business, and keeps you protected when you need it the most.
As claims can be tough, we make our insurance process hassle-free. A Feefo platinum awarded business with great testimonials, we’ll ensure we find the right cover for you.
What insurance does a limited company need?
Professional Indemnity Insurance
If your employees provide incorrect guidance, recommendations or services that result in damages to clients, then this policy will protect you against claims.
Public Liability Insurance
Available as standard from £1m to £5m, we can protect your limited company should a customer or member of the public be harmed, or have their property damaged.
Employer’s Liability Insurance
With it being a UK legal requirement to secure your team from illnesses or harm due to employer negligence, we can do so with £10m of cover.
Protects your business premises from risks such as floods, fires and subsidence, as well as any damages to fixtures and fittings.
How does insurance for limited companies work?
Comprehensive and dedicated insurance for Britain’s Ltds
We’ve made our insurance for limited companies simple. Pick and choose the cover your business needs, within covers like public liability insurance, employers liability insurance, business equipment cover, contents cover and professional indemnity insurance all available for limited companies. As a limited company you benefit from limited liability in terms of the fact the company owners are legally responsible for its debts only to the extent of the amount of capital they invested. But your business could still suffer financial if for example a member of the public is injured at your premises or a fire at your premises means you can no longer operate.
Speak to us today and get the cover you need in one simple policy.
What your limited company insurance policy includes
Public Liability insurance for limited companies
Public Liability insurance cover is available from £1m to £5m. Should one of your customers or a member of the public be hurt, or their property be damaged, or if a customer sues you if a treatment goes wrong, public liability insurance will protect you.
Employers Liability insurance
A legal requirement for limited companies with employees – this particular cover protects your company against the cost of compensation claims arising from employee injury or illness sustained during work.
Product liability cover
This insurance will cover the costs of compensation should the products you make or sell cause injury or illness to a third party.
Buildings insurance for your premises
If you own your business premises then you’ll want to insure it from a range of risks and perils such as fires and floods. Buildings insurance covers your buildings structure and permanent fixtures and fittings.
Business contents and stock cover
Business contents and stock cover will help protect your business contents and equipment as well as stock.
Professional Indemnity insurance for limited companies
As a limited company your employees may well offer advice or professional services to other businesses and individuals. If this is the case then you should certainly consider taking out specialist professional indemnity cover to protect your business against claims made by clients, with cover against claims of misadvice, miss-design and miss-service.
Business equipment and tools insurance
Get the protection you deserve with cover for your important business equipment and tools. Protect vital IT equipment such as desktops computers and laptops, as well as phones and other items you need to run your business.
Legal expenses insurance
Offers protection against the costs of defending legal claims.
Other covers also include goods in transit insurance, personal accident cover, directors and officers insurance and more.
Why you need insurance as a limited company
While some cover types are optional some are a legal requirement for businesses. If your limited company has employees, then you are legally required to hold valid employers liability cover. Our limited liability insurance is there to protect your business should it need it. Get protection for a wide range of perils and give yourself and your company peace of mind.
One policy to help protect your ltd companies financial interests – get in touch with us today
Ltd company specialists
We work with thousands of small and medium sized businesses throughout the UK, arranging their insurance and ensuring they’re protected should the worst happen. With our experience and dedicated team of commercial insurance brokers we can provide you with a bespoke quote that will be tailor made to suit your businesses needs.
Same day cover arranged
Compare quotes from a range of niche and leading UK insurers to get the cover you need. With cover available the same day, we can also provide you with your documents that very same day. Speak to our team today to learn more.
Why choose The Insurance Octopus for your limited company insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more avialble upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We’ll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Get Business Insurance off your to do list
Help protect and grow your business with tailor made business insurance from The Insurance Octopus
Insurance Know How Making business insurance easier to understand
The ultimate small business checklist to help protect against cyber threats
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
The top 10 Cyber Insurance claim types
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
How much does cyber insurance cost?
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Get to grips with Under-insurance & The Insurance Act
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
Business Insurance Blog For all the things business & insurance
Helen Bush Named Director at The Insurance Octopus
Leading commercial insurance broker, The Insurance Octopus, has appointed H...
Cyber 101: The Basics of Cyber Security
Would you be comfortable living in a house where all the doors are left wid...
The Insurance Octopus has been shortlisted for the British Insurance Awards 2021!
The Insurance Octopus has been announced as a finalist in the Commercial Li...