STARTUP COVER
Startup Insurance
Essential insurance for new and growing businesses, with flexible cover that scales with you.
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The Right Cover From Day One
Starting a business is exciting, but it comes with risks. From your first client to your first employee, having the right insurance protects you from claims that could sink a young company before it gets going. We understand that startups need flexible, affordable cover. Our policies grow with your business, and we review your cover regularly to make sure it keeps pace with your growth.
What's Included
Professional Indemnity
Essential if you provide advice, design, or consultancy services to clients.
Public Liability
Cover for injury or damage claims from clients, visitors, or members of the public.
Employers' Liability
Legally required as soon as you hire your first employee.
Cyber Insurance
Protect against data breaches and cyber attacks from the start — startups are common targets.
Contents & Equipment
Cover for office equipment, stock, and business property whether in an office or at home.
Growth-Friendly
Policies that scale with your revenue and headcount, reviewed regularly at no extra cost.
Why Insurance Matters from Day One
Client Contract Compliance
Most B2B contracts require minimum levels of professional indemnity and public liability insurance before you can sign. Without cover, you lose deals before they start.
Investor Confidence
Investors and accelerators expect startups to manage risk professionally. Having the right insurance in place demonstrates maturity and protects the value of their investment.
Scalable Cover
We design policies that grow with you — adding covers, increasing limits, and adjusting terms as your headcount, revenue, and client base expand. No need to start over each year.
How We Insure Startups
1. Risk & Compliance Check
We identify which covers are legally required (employers' liability if you have staff), contractually required (PI for client work), and commercially essential (cyber, contents, business interruption).
2. Budget-Smart Packaging
We combine covers into cost-effective packages — often securing startup discounts with insurers who specialise in early-stage businesses and understand that your risk today is low but growing.
3. Growth Reviews
As you hire, raise funding, or enter new markets, we reassess your cover. Quarterly check-ins ensure your insurance keeps pace without you having to remember to ask.
Frequently Asked Questions
At minimum: public liability. If you have employees: employers' liability (legally required). If you give professional advice: professional indemnity. We'll assess your specific needs.
Absolutely. We arrange cover for sole traders, partnerships, and limited companies at every stage of growth.
It depends on your trade, turnover, and cover requirements. Many startup policies start from just a few hundred pounds per year.
Speak to a business broker
Get the right cover for Startup Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover