Business Details
24 Years
experience
Trusted Business Insurance Solutions for SMEs in the UK
Established in 2002, S M E Insurance has been dedicated to providing tailored small business insurance solutions across the UK. Our team of risk management experts works closely with clients to understand their unique needs, offering flexible policies from a panel of A-rated UK insurers. With a focus on high street shops and SMEs, we deliver comprehensive coverage including liability, property, and specialist business insurance.Our commitment to affordability, transparency, and exceptional customer service has earned us recognition as Platinum Trusted Service Award Winners in 2025. We pride ourselves on combining deep industry expertise with personalized support, ensuring businesses can operate with confidence and peace of mind.
Services
Business Equipment Insurance
Employers Liability Insurance
Public Liability Insurance
Product Liability Insurance
Professional Indemnity Insurance
Business Interruption Cover
Cyber Insurance
Stock Insurance
Loss of Licence Insurance
Building and Contents Cover
Details
- Year established: 2002
Highlights and features
- We offer 20+ years of expertise in SME insurance solutions
- Our policies are tailored to specific business needs
- Access to a 24-hour legal helpline for policyholders
- Partnerships with A-rated UK insurance providers
- Transparent pricing with no hidden fees
Associations and certifications
- ISO 9001
- ISO 27001
- Financial Conduct Authority
What people say
Excellent coverage options
Competitive pricing
Quick quote process
Award-winning service
Expert guidance
Services
Public Liability Insurance
This insurance protects businesses if customers or third parties suffer injuries or property damage on premises. It covers legal costs and compensation claims, essential for businesses welcoming public visitors. Our policies provide up to 5 million coverage.
Employers Liability Insurance
Mandatory for businesses with employees, this cover protects against claims from work-related injuries or illnesses. It includes legal defence costs and compensation payments, ensuring compliance with UK employment regulations while safeguarding business assets.
Business Interruption Cover
This cover replaces lost income during business closures caused by insured events like fires or floods. It covers fixed expenses and wages during recovery periods, helping businesses maintain financial stability during unexpected disruptions.
Cyber Insurance
Protects against online threats including data breaches and cyber attacks. Covers financial losses from business closures due to cyber incidents, data recovery costs, and legal expenses associated with digital security breaches affecting business operations.
Product Liability Insurance
This insurance protects businesses if products sold cause customer injury or damage. It covers legal defence costs and compensation claims related to product defects, ensuring financial protection for businesses manufacturing or retailing physical goods.
Questions
What types of insurance do SMEs typically need?
Most SMEs require public liability, employers liability, and property insurance. Additional covers like product liability or cyber insurance may be needed depending on business activities.
How are insurance premiums calculated?
Premiums depend on business type, coverage levels, risk factors, and claim history. We assess these factors to provide competitive, tailored pricing for each business.
Is employers liability insurance legally required?
Yes, if you employ staff in the UK. This legal requirement ensures protection for employees and business owners against workplace injury claims.
Can I get insurance for online business operations?
Yes, we offer cyber insurance and digital risk coverage for online businesses, protecting against data breaches, cyber attacks, and related financial losses.
How quickly can I obtain coverage?
Many policies can be arranged immediately through our online system or with our advisors, with documentation provided promptly to ensure quick protection.
Do you offer flexible payment options?
Yes, we provide flexible payment plans including monthly and annual options, with no mid-term amendment fees for policy changes.
