SME Insurance: Quick and Affordable Small Business Insurance

Learn what insurance means to other small business owners in 60 seconds.

Got a burning question or have specific needs?

An expert is waiting to help on 0333 0608 018. Alternatively, get our free business insurance check – we’ll review your existing insurance to make sure you have the correct protection in place.

Who we Cover

At smei, our aim is simple. We strive to deliver the right small business insurance for the UK’s high street shops and small to medium enterprises, easily and without fuss, at a competitive price. We’ll help you understand what type of insurance you need to protect your business and work hard to deliver a small business insurance quote that’s tailored to you. We aim to give you peace of mind, so you can do what you enjoy most – run your business.

Whether you’re a sole trader, director of a limited company or a self-employed freelancer, our SME business insurance and risk management experts are on hand to find the perfect fit for you.

We know that every business is different, so we offer flexible and tailored insurance cover to match your unique needs.

You can choose covers that will protect you if the worst should happen, including:

• Employers liability insurance – in most cases, this is a legal requirement if you employ staff. It protects you and your business if one of your employees is injured at work. If there are legal defence costs and compensation claims, you’ll be covered.
• Public liability insurance – if your business welcomes other people on to your premises, you should have this insurance cover in place. It will protect you if someone makes a claim for an injury they sustained during their visit like a slip, trip or fall or if their possessions are damaged. So again, it covers legal and compensation costs.
• Products liability insurance – this cover is there to protect you and your business against accidental injury to a third party caused by a product you’ve made or sold. 
• Professional indemnity insurance - if someone feels you or your staff have offered the wrong advice, given a bad treatment, or delivered flawed design work, your professional indemnity insurance covers financial loss resulting from a claim. This is different to public and products liability, so it does require a separate policy.
• Building and contents cover – this could protect your business from rare events like fires, floods, storms and subsidence. It can also cover the contents such as furniture, computers, staff belongings etc.
• Business interruption cover – this will help replace lost income and wage payments in the event your business is halted due to a direct physical loss or damage, such as a disaster like a fire that causes you to temporarily close your business. This cover protects against financial risk. It protects your profit along with any fixed expenses and wages during the closure. It’s worth noting that standard business interruption cover doesn’t include business closures due to a pandemic or other communicable diseases e.g. Covid-19.
• The standard policies above can be supplemented by additional cover such as stock insurance, loss of money insurance, loss of licence insurance and even cyber insurance to protect against online fraud.

We’re a broker which means we shop the market for you and can offer you small business insurance quotes from a panel of A-rated UK insurers. Not all policies are the same ‒ so if you’re unsure about exactly what cover you need or want to understand the finer details of your existing business insurance policy, pick up the phone and give us a call. We’ll happily talk you through the detail.