Is Employers' Liability compulsory?

Yes, by law if you employ anyone, even casuals or part time staff. Minimum 5 million pounds cover required.

Premierline are a UK insurance broker authorised and regulated by the Financial Conduct Authority, based in Lancaster. They specialise in commercial cover for small and medium businesses across the UK, including trades that direct insurers often turn away. A specialist who knows your trade will call you to talk through cover that fits.

No. We are a registered introducer on the FCA register. Premierline, an FCA authorised commercial broker, does the actual quoting and broking. We pass your details to them.

Why use you instead of going straight to Premierline?

You can go straight to Premierline. Many people use our short 90 second journey because it captures the right details for your trade so the Premierline specialist can have a sharper, faster conversation when they call. We do not change the price.

Will Premierline call me?

Yes. That is the whole point. A Premierline specialist who knows your trade will call you to talk through cover options. No call centre, no script. A real conversation.

How fast will Premierline call?

Premierline aim to call you the same working day. If you submit after hours, you usually hear back the next working morning.

Can I just get a quote by email instead?

You can ask the Premierline specialist to send your quote by email after the call. The initial conversation helps them tailor cover to your trade properly.

How fast can I get covered?

Most quotes are returned by Premierline the same working day. Cover start dates depend on the policy.

What if my trade is unusual?

Premierline brokers cover hundreds of trades, including some that direct insurers refuse. It is worth getting a quote.

Monthly payment is available on most policies. Terms will be confirmed in your quote.

Premierline is FCA authorised, FRN 308608. We are listed on the FCA register as a registered introducer to Premierline, FRN 946899. We do not provide regulated advice.

Tailored cover for UK SMEs

Business insurance, sorted in minutes.

Tell us about your business in 90 seconds and we'll match you with a specialist at Premierline who will tailor cover that fits your trade.

What do you do?

Matched with a trusted UK brokerTalk to a real person about your cover

Estimate your cover

See an indicative range in seconds

An indicative range based on your trade, turnover and team. Premierline confirms your real price on a quick call.

Trade

Annual turnover£100,000

£10k£2m

People, including yourself

Cover types

Indicative cover rangeIndicative only

Based on similar UK SMEs with the cover and trade you selected. Indicative only. Premierline confirms your real price on a quick call.

Estimated split

Public liability£3 / wk

Tell us about your business. A Premierline specialist who knows your trade calls you back.

Get my tailored quote

Trades

Cover for your trade

Pick your trade and get a tailored quote from a Premierline specialist.

Don't see yours? Start a quote

Cover

Cover, tailored to your trade

Premierline can shape cover across the policies below. Pick what fits your trade and we will introduce you to a Premierline specialist for a tailored quote.

Most chosen

Public liability

Protect against third party injury or damage claims.

Quote for public liability

Employers' liability

Required by law if you employ anyone, even casual help.

Quote for employers' liability

Professional indemnity

Cover for advice or service errors.

Quote for professional indemnity

Tools and equipment

Replace stolen or damaged tools, fast.

Quote for tools and equipment

Commercial property

Cover your premises, stock, and contents.

Quote for commercial property

Cyber and data

Protect against breaches, ransomware, and downtime.

Quote for cyber and data

Business interruption

Income cover if you cannot trade.

Quote for business interruption

Commercial vehicle

Vans, fleets, and business cars.

Quote for commercial vehicle

Tell us about your business. A Premierline specialist who knows your trade calls you back.

Get my tailored quote

Insurance, explained

Plain English guides to the cover small businesses actually need

No jargon, no upsell. Just clear answers on what each cover does and when it kicks in.

What is Public Liability?

Public liability protects you if a member of the public, a client, or a third party is injured, or their property is damaged, because of your work. Cover usually starts at 1 million pounds and can rise to 10 million pounds if a contract requires it.

Get a quote for this

When do you need Employers' Liability?

If you employ anyone in the UK, even casually, Employers' Liability is a legal requirement under the 1969 Act. Minimum cover is 5 million pounds, with 10 million pounds as standard. It pays compensation if a worker is injured or made ill by their work.

Get a quote for this

Professional Indemnity explained

Professional Indemnity covers claims that come from advice, design or professional services. If a client suffers financial loss from a mistake or breach of duty, it pays legal costs and any compensation owed. Often required by consultancy contracts.

Get a quote for this

Tools and equipment cover

Tools cover replaces essential equipment if it is stolen, lost or damaged. Theft from vans is one of the most common claims for tradespeople. Cover typically includes hand tools, power tools, ladders, and small machinery at site or in transit.

Get a quote for this

Tell us about your business. A Premierline specialist who knows your trade calls you back.

Get my tailored quote

Industries

Built for your industry

Premierline cover thousands of UK businesses across these trades. Pick yours and we will introduce you.

Tradespeople

Plumbers, electricians, builders, roofers, decorators.

Get a quote

Shops and retail

Stock, premises, and till to online cover.

Get a quote

Cafes, pubs, and restaurants

Food, fire, and customer cover.

Get a quote

Offices and professionals

Property, indemnity, and cyber.

Get a quote

Beauty and wellness

Treatment liability, premises, and stock.

Get a quote

eCommerce sellers

Stock, cyber, and product liability.

Get a quote

Health and care providers

Indemnity, premises, and employees.

Get a quote

Property owners and landlords

Buildings, contents, and rent.

Get a quote

Charities and not for profit

Liability, trustees, and events.

Get a quote

Manufacturers and wholesalers

Premises, stock, and product.

Get a quote

See all trades

Tell us about your business. A Premierline specialist who knows your trade calls you back.

Get my tailored quote

Why we partner with Premierline

A specialist commercial broker who picks up the phone.

We could send your details to any commercial insurance broker. We chose Premierline because they pick up the phone. After you fill in the quick form, a Premierline specialist who knows your trade calls you to talk through what you actually need, what is worth covering, and what is not. No call centre script, no off-the-shelf policy. A real conversation, then a tailored quote.

What we look for in a partner.

A real person, not a chatbot

When you finish the form, a Premierline specialist calls you. Someone who knows your trade and can talk through cover in plain English.

Specialist commercial broker

Premierline focuses on UK SMEs, sole traders, and self-employed professionals. Not a direct insurer pushing one product.

Shopped across the market

Brokers compare cover from multiple insurers to find a policy that fits how you actually work.

Built for unusual trades

Premierline regularly cover trades that direct insurers refuse. Mobile beauticians, specialist trades, niche professions.

Premierline is authorised and regulated by the Financial Conduct Authority. FRN 308608. Verify on the FCA register.

Compare

Going direct vs broker introduction

The honest view of what changes when a specialist broker shapes your cover.

Direct insurer

DIY broker

Via this site + Premierline

Quote time

Days

Hours

Minutes

Cover tailored to your trade

Pay monthly available

Sometimes

Tied to one insurer

Specialist calls you back

Specialist support by email

How it works

Three simple steps

From a 90 second form to a real conversation with a Premierline specialist.

Tell us about your business

90 seconds, six quick questions.

A Premierline specialist calls you

Someone who knows your trade talks through what you need.

You get a tailored quote

Decide if it is right for you. No pressure.

Tell us about your business. A Premierline specialist who knows your trade calls you back.

Get my tailored quote

FAQ

Questions, answered

Everything UK small businesses ask before they get covered.

Cost depends on your trade, turnover, and the cover you choose. Premierline will provide your exact quote after a quick call to understand your business.

Still have questions?

Start your quote and a Premierline specialist will call you to talk it through.

Get my tailored quote

Ready to talk?

Ready to talk to a Premierline specialist?

90 seconds of questions. Then a real human calls to talk through your cover.

Get my tailored quote

Talk to a specialist who knows your tradeCover shopped across multiple insurersFCA authorised broker, FRN 308608