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Your Guide to Business Insurance: Protecting Your New Business Made Simple

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Starting a new business is exciting, but it comes with important responsibilities—like ensuring you’re protected from the unexpected.

Business insurance helps safeguard your livelihood, tools, and reputation, so you can focus on growing your trade. Here’s what every tradesperson and small business owner needs to know.

The Essentials: What Insurance Does Your Business Need?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

  • 1. Public Liability Insurance
    Essential for tradespeople and businesses interacting with customers or the public. It covers claims for injuries or property damage caused by your work. For example, if an accident happens on-site, Public Liability Insurance covers legal costs and compensation. Learn more.
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  • 2. Employers’ Liability Insurance
    Hiring employees? This insurance is legally required in the UK and protects you if an employee is injured or becomes ill due to work. Without it, you risk fines of up to £2,500 per day.
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  • 3. Professional Indemnity Insurance
    Offer advice or services? Professional Indemnity Insurance protects you if a mistake or negligence claim is made. It’s especially crucial for consultants, designers, and architects. Get covered.
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  • 4. Tools and Equipment Insurance
    Your tools are your business—protect them. Whether it’s theft, loss, or damage, this insurance keeps you operational without costly delays. Find out more.
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  • 5. Legal Expenses Cover
    Handle disputes and tax investigations without draining your resources. Legal Expenses Insurance covers lawyer fees and other legal costs, so you can focus on your work.
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  • 6. Goods in Transit Insurance
    Move materials, tools, or products? Goods in Transit Insurance covers items while they’re on the move. Perfect for delivery drivers, tradespeople, or logistics businesses. Explore options.
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Public Liability Insurance

Protects against claims from third parties for injury or property damage

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Employers' Liability Insurance

If you employ staff, then you’re legally required to have this cover.

Get a quote
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Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote
Icon of a document with award stars over it.
Public Liability Insurance

Protects against claims from third parties for injury or property damage

Get a quote
Icon of a group of three employees.
Employers' Liability Insurance

If you employ staff, then you’re legally required to have this cover.

Get a quote
Icon of a toolbox with a wrench, hammer, and screwdriver.
Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote
View all our insurance

Do You Really Need Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Some insurance, like Employers’ Liability, is legally required. Others, like Public Liability or Tools Insurance, aren’t mandatory but can be highly recommended depending on the nature of your business.

Insurance isn’t just about ticking boxes—it’s about protecting your income, reputation, and peace of mind.

Admiral Business makes finding the right cover easy, so you can focus on what matters most: growing your trade.

How to Get Affordable Business Insurance

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Know Your Risks: Identify what’s essential for your trade (e.g., liability, tools, or transit cover).

Tailored Policies: Avoid paying for extras you don’t need. Admiral Business helps you build flexible policies that suit your work.

Shop Smart: Use Admiral’s quick and easy online quote tool to find competitive pricing tailored to your business.

Stay Safe: Demonstrating good health and safety practices can lower premiums over time.

Review Regularly: Stay Covered as Your Business Grows

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Your needs can change as your business evolves. For example, hiring employees or taking on bigger projects may require additional cover.

Admiral Business offers flexible policies that grow with you—whether you’re a sole trader or expanding into a larger operation.

  • Tailored Solutions: Flexible insurance designed for tradespeople and small businesses.
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  • Expert Advice: Need help choosing? Our team guides you through your options.
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  • Hassle-Free Changes: Adjust your cover anytime without hidden fees or penalties.
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  • Online Convenience: Get quotes, manage policies, and make adjustments quickly online.

Insurance built around the needs of the UK’s small businesses

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Fast claims payments

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

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We flex with your business

As your business expands, your insurance needs will evolve. We are pleased to offer policy amends at no additional charge, supporting your growing needs seamlessly.

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Everything in one place

Our insurance makes it easy to get all the types of cover you need, all wrapped into one simple, easy to manage payment with one renewal.s

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Cancel your policy anytime

You can cancel your policy anytime, with no penalty, no hassle and no issues. We'll even refund any future months so you’re not out of pocket.