⚡ See cover options in minutes

Business insurance,
at every scale.

From your first public liability policy to a multinational programme, CoverMatch compares quotes from 30+ FCA-authorised insurers and Lloyd's specialist markets, no jargon, no hard sell.

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✅ No spam, no hard sell

Get your quote in minutes

Free, no obligation. Just a few quick questions.

Step 1 of 3
What are we covering?

Tell us the scale of your business and the cover you're after.

Step 2 of 3
Tell us about your business

Just enough to compare the right insurers.

Step 3 of 3
Where should we send your quote?

Last step, we'll check suitable cover from here.

By submitting you agree to be contacted about your quote and for relevant enquiry details to be shared with suitable insurance partners.

Checking your cover options…

Checking cover from 30+ FCA-authorised insurers

Your cover options are being checked

We are reviewing your details now and will come back with the most suitable route for your business.

Placed through
Aviva
Hiscox
AXA
Zurich
AIG
Chubb
Allianz
Lloyd's of London
Simple Process

Get Covered in 3 Steps

Whichever tier your business sits in, the process starts the same way: tell us what you need, we find who prices it best.

1

Tell Us About Your Business

Sector, size, and the cover you need. Two minutes for SME, a short call for Commercial and Corporate risk.

2

We Compare Specialist Insurers

From 30+ FCA-authorised UK insurers up to Lloyd's specialist markets, compared against your actual scale of risk.

3

Review Your Options

See the most relevant route for your business, then choose whether to continue. No obligation to proceed.

Sole Trader & SME

Cover for Every Trade

Fast, simple, no jargon. Built for sole traders and small teams who need cover in place today.

🔧Plumbers
Electricians
🏗️Builders
🍽️Restaurants
🛒Retail
🚚Couriers
💇Salons
💼Consultants
Do Martin Lewis's Insurance Rules Apply to Business Cover? → Martin Lewis's Fake Ad Warning, For Business Owners →
Tier Two

Commercial & Corporate Cover

For established businesses with real risk exposure, directors, data, premises, or a workforce, that a generic policy won't price correctly.

Specialist Lines

Built for Growing Businesses

Twelve lines of commercial cover, each placed with insurers who specialise in that specific risk rather than a one-size policy stretched to fit.

⚖️

D&O / Management Liability

Protects individual directors and officers personally from claims over decisions made in their role, not the company.

📋

Professional Indemnity

Covers errors, omissions and negligence in professional advice or services. Does not properly cover cyber, that needs its own policy.

🔒

Cyber Insurance

Data breach costs, business interruption, incident response. 43% of UK businesses reported a breach in the past 12 months.

🏢

Latent Defects / Structural Warranty

Covers hidden structural defects in new-build or converted property, typically 10 to 15 years, often required by mortgage lenders.

✈️

PA & Business Travel

Injury, illness or emergency cover for staff working or travelling for business. Personal travel insurance won't cover this.

❤️

Group Life / Employee Benefits

Death in service cover from just 0.3% to 0.8% of sum assured a year, tax-deductible and inheritance tax free via trust.

🚐

Motor Fleet

Cover for company vehicle fleets of any size, from a handful of vans to a large mixed commercial fleet.

🏭

Commercial Property

Buildings, contents and equipment cover for offices, retail units, industrial premises and warehousing.

🏘️

Landlord Insurance

Standard home insurance doesn't cover let property. Buildings, liability and loss of rent cover for landlords.

🛡️

Public Liability Insurance

Covers claims from customers or the public, injury or property damage, distinct from cover for your own staff.

🔧

Motor Trade Insurance

Road Risk or Combined cover for dealers, mechanics and traders who handle vehicles that aren't their own.

🩺

Business Health Insurance

Private medical cover for staff, one of the most fought-over benefits for recruitment and retention.

💷

Trade Credit Insurance

Protects your business if a customer fails to pay an invoice, essential for anyone extending B2B credit terms.

🌱

Environmental & Pollution Liability

Covers contamination clean-up costs, increasingly required for manufacturing, waste and construction businesses.

📦

Product Recall & Contamination

Covers the cost of a product recall, critical for food, drink and manufacturing businesses.

Tier Three

Large Corporate & Multinational

Specialist market placement via Lloyd's and global carriers, for businesses whose risk profile has outgrown standard commercial cover.

Specialist Market Access

For Large & Multinational Risk

These lines are typically placed through direct Lloyd's and global carrier relationships rather than instant online quotes, speak to a specialist to get started.

🌍

Multinational Programmes

A single controlled master policy for businesses operating across several countries, replacing separate local policies.

🏦

Financial Institutions

Specialist liability cover for banks, asset managers and insurers themselves.

Energy

Oil & gas, power & utilities, renewables and upstream risk, a genuinely specialist market in its own right.

🚢

Marine

Cargo, hull and marine liability cover for businesses with shipping or maritime exposure.

🛩️

Aviation

Aircraft hull and airline liability cover for operators and businesses with aviation risk.

🗳️

Political Risk

Expropriation, currency inconvertibility and political violence cover for overseas assets and operations.

💱

Trade Finance

Protects lenders and banks financing international trade transactions.

🚨

Crisis Management

Kidnap & ransom, extortion and product tampering response cover.

🤝

M&A / Warranty & Indemnity

Covers breach of warranty claims following a business sale or acquisition.

Why CoverMatch

One Broker, Every Scale

As your business grows from sole trader to commercial to corporate, your relationship and history move with you, no starting over with a new provider.

30+

UK & specialist insurers

All FCA-authorised or Lloyd's-placed, so you're comparing real, regulated cover across every tier.

3

Tiers, one relationship

SME, Commercial, and Corporate cover, all through the same broker as your business grows.

£0

Cost to you

Free to use, always. We're paid by the insurer once you take out a policy, not by you.

Minutes

Fast cover options

Most SME enquiries can start seeing suitable cover routes quickly. Commercial and corporate timelines vary by complexity.

What Businesses Say

Trusted Across Every Tier

Real businesses, real cover options, from sole traders to established commercial operations.

Saved £340/yr

Sorted my public liability in a day. Didn't have to chase anyone, they called me with the quotes already lined up.

DM
Dan M.
Electrician, Leeds
D&O placed in 6 days

We'd been quoted twice what we ended up paying elsewhere. CoverMatch actually understood what our board needed covering.

LH
Laura H.
Finance Director, Manchester
Saved £580/yr

Switched over from our old broker and ended up with better cover for less. Wish we'd done it years ago.

RP
Ravi P.
Restaurant Owner, Birmingham
Questions

Frequently Asked

Everything you need to know before you start, whichever tier you're in.

Is CoverMatch actually free?
+
Yes, completely, at every tier. We're paid a referral fee by the insurer if you go ahead with a policy, you never pay us anything directly.
How do I know if I'm SME, Commercial, or Corporate?
+
As a rough guide: sole traders and businesses under 20 staff usually fit SME. Established businesses with employees, premises, or specialist risk fit Commercial. Large or multinational operations fit Corporate. If you're unsure, just submit the form, we'll point you the right way.
Do you place cover through Lloyd's of London?
+
Yes, for Corporate-tier risk like multinational programmes, energy, marine, and aviation, cover is typically placed through Lloyd's syndicates and specialist global carriers rather than standard UK insurers.
Do you cover sole traders as well as limited companies?
+
Absolutely. We help sole traders, limited companies, and large corporates compare suitable cover. Some of our most common enquiries are from sole traders who thought proper insurance was too expensive, often it's far cheaper than expected.
Business Insurance Guides

Read the Most Useful Guides First

A few high-intent guides are linked here for quick access, with the full library available in one place.

Browse all 43 business insurance guides →

Ready to Sort Your Cover?

Free, fast, and no obligation, whatever scale your business operates at.

See My Cover Options →