Small Business Insurance

Protect your business, your livelihood, and your future with insurance coverage designed specifically for small businesses and your employees. From sole traders to growing companies, we make business protection simple and affordable.

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Start With a Free Custom Quote

Get a free insurance quote for your small business today. Just fill out the form below and we'll get back to you as soon as possible.

Insurance Types For Your Business

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Construction Industry

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Group Private Medical Insurance

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Group Critical Illness Insurance

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Group Life Insurance

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Group Income Protection

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Ready To Get a Quote?

Getting Started

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Free Business Risk Assessment

We’ll discuss your business, identify potential risks, and recommend appropriate coverage levels.

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Tailored Quote

Based on your needs, we’ll provide quotes from multiple insurers with clear explanations of what each policy covers.

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Easy Setup

Once you choose your coverage, we handle all the paperwork and ensure your policies are active when you need them.

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Ongoing Support

Regular reviews, claims assistance, and advice as your business evolves.

Frequently Asked Questions

How much does small business insurance cost?

Costs vary based on your industry, business size, and coverage needs. Basic public liability can start from £8 per month, while comprehensive packages typically range from £30-£150 monthly.

What if I work from home?

Home-based businesses still need proper insurance. Your household insurance won’t cover business activities, so you’ll need specific business coverage.

Do I need insurance as a sole trader?

Yes! Being a sole trader doesn’t protect you from liability claims. In fact, you’re personally liable for any business debts or claims.

Can I get insurance if I'm just starting out?

Absolutely. Many insurers offer coverage for new businesses, and some policies can start from day one of trading.

WHY CHOOSE PEARL ROSE FOR YOUR BUSINESS INSURANCE?

We Understand Small Business

Unlike large brokers who focus on big corporations, we specialise in small business insurance. We understand your challenges, your budget constraints, and your need for straightforward advice.

Industry Expertise

We work with businesses across all sectors and understand the specific risks and requirements of different industries. Our recommendations are based on real-world experience, not generic advice.

Competitive Pricing

We work with multiple insurers to find you the best coverage at competitive rates. Our goal is protection that fits your budget, not the most expensive policy.

Ongoing Support

Business insurance isn’t set-and-forget. We provide regular reviews, claims support, and advice as your business grows and changes.

Plain English Approach

No insurance jargon or confusing terms. We explain everything clearly so you understand exactly what you’re covered for and why it matters.

Our Customers

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Ready to Protect What Matters Most?

Get In Touch

Get expert insurance advice tailored to your inique needs. Contact us today for a free, no-obligation consultation