> ## Content Index > Fetch the complete content index at: https://www.kaeltripton.com/llms.txt > Use this file to discover other available public pages before exploring further. # Best Business Insurance UK 2026 - Types and What You Need - URL: https://www.kaeltripton.com/compare/best-business-insurance-uk/ - Published: 2026-03-22T17:24:31.000Z - Updated: 2026-11-13T09:30:41.000Z - Description: UK business insurance covers public liability, employers liability, professional indemnity and more. Compare what each policy covers and who needs it. - Author: Chandraketu Tripathi - Tags: business, Insurance, Listicle, #section-compare, Hub: Insurance ## Hiscox Business Insurance Review 2026 Hiscox is one of the most recognised business insurance providers in the UK, specialising in professional indemnity, public liability, and cyber insurance for small businesses, freelancers, and contractors. ★ Featured Partner · Sponsored Compare Insurance Quotes Search and compare quotes from leading UK insurers. Quotezone's panel includes specialist insurers not always on the four major comparison sites. [Compare Quotes → ](https://www.quotezone.co.uk/SetAffiliate.php?aid=F8T1E0-003&type=generic&ref=kaeltripton.com) | Cover Type | Starting From | Best For | | ---------------------- | ------------- | ------------------------------------------- | | Professional Indemnity | £8.40/month | Consultants, IT contractors, creatives | | Public Liability | £5.89/month | Tradespeople, therapists, personal trainers | | Employers Liability | £5.89/month | Any business with employees | | Cyber Insurance | £9.21/month | Businesses handling customer data | Prices are indicative. Always get a quote directly from Hiscox as premiums vary by trade, turnover, and cover level. ## Simply Business Insurance Review 2026 Simply Business is a UK insurance broker that compares quotes from multiple insurers including Hiscox, AXA, and Zurich. Rather than being an insurer itself, it finds you the best deal from a panel of providers. Particularly useful for sole traders, landlords, tradespeople, and small retail businesses. ## Business Insurance by Trade: What You Need | Trade | Essential Cover | Recommended Add-ons | | ------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------- | ------------------------------------ | | Personal Trainer | Public Liability, Professional Indemnity | Equipment cover, income protection | | Beauty Therapist | Public Liability, Treatment Risk | Professional Indemnity, stock cover | | Electrician | Public Liability, Employers Liability | Tools cover, contract works | | Cleaner | Public Liability | Key cover, employers liability | | Photographer | Public Liability, Equipment | Professional Indemnity, travel cover | | Consultant | Professional Indemnity | Public Liability, cyber cover | | Builder | Public Liability, Employers Liability | Contract works, tools cover | | Gardener | Public Liability | Tools cover, vehicle cover | | [Best Business Insurance UK](https://www.kaeltripton.com/best-business-insurance-uk-2026/) | | | | [Do I Need Business Insurance to Drive to Work?](https://www.kaeltripton.com/do-i-need-business-insurance-to-drive-to-work-uk/) | | | | [Employers Liability Insurance UK Explained](https://www.kaeltripton.com/employers-liability-insurance-uk/) | | | | [Professional Indemnity Insurance UK Explained](https://www.kaeltripton.com/professional-indemnity-insurance-uk/) | | | | [Public Liability Insurance for Dog Walkers](https://www.kaeltripton.com/public-liability-insurance-dog-walkers-uk/) | | | | [Small Business Insurance Brokers UK](https://www.kaeltripton.com/small-business-insurance-broker-uk/) | | | **Do I need business insurance as a sole trader?** You are not legally required to have business insurance as a sole trader unless you employ staff — which requires employers liability insurance by law. However, public liability insurance is strongly recommended as you are personally liable for any claims against your business. **What is professional indemnity insurance?** Professional indemnity insurance covers you if a client claims your advice, designs, or professional services caused them financial loss. It is essential for consultants, accountants, architects, IT contractors, and anyone providing professional advice for a fee. **How much does business insurance cost in the UK?** Basic public liability insurance for a sole trader starts from around £5–£10 per month. Professional indemnity cover starts from around £8–£15 per month. Total cost depends on your trade, turnover, number of employees, and cover level required. **Is Hiscox good for small business insurance?** Hiscox is consistently rated highly for small business insurance in the UK. They specialise in professional services businesses and offer flexible cover. Particularly recommended for freelancers, IT contractors, and consultants needing professional indemnity cover. **What insurance does a personal trainer need?** A personal trainer needs at minimum public liability insurance (covering injury to clients or damage to property) and professional indemnity insurance (covering claims arising from advice or training programmes). Equipment cover is also recommended if you own significant fitness equipment. This article is for informational purposes only and does not constitute financial advice. Always verify rates with official sources before making any financial decision.