Printed starting prices, verified
Business insurance UK prices, trade by trade, on the insurers' own figures
Every price on this site is one an insurer prints on its own page, re-read and matched before it ships. Several of the best known names print nothing at all, and this record says so rather than guessing for them.
- median printed starting price
- £5.31
- printed starting prices, lowest to highest
- £3.46 to £8.40
- insurers in the record
- 8
- trades compared
- 13
See the price record Browse by trade
- 8 insurersevery figure quoted from the insurer's own page
- Verbatimeach quote re-fetched and matched before it ships; a page that repriced fails the build
- 13 tradesa trade counts for an insurer only where its own page names it
Printed starting prices
| Insurer | From, per month | From, per year | Occupations covered | Source | Checked |
|---|---|---|---|---|---|
| Protectivity | £3.46/month | protectivity.com | September 2026 | ||
| Markel Direct | £5/month | 200 professions | markeluk.com | September 2026 | |
| Hiscox UK | £5.20/month | hiscox.co.uk | September 2026 | ||
| Rhino Trade Insurance | £5.21/month | £62.50/year | rhinotradeinsurance.com | September 2026 | |
| Simply Business | £5.40/month | simplybusiness.co.uk | September 2026 | ||
| Suited | £5.51/month | suited.insure | September 2026 | ||
| Clear Business | £5.64/month | clearbusiness.co.uk | September 2026 | ||
| PolicyBee | £8.40/month | policybee.co.uk | September 2026 | ||
| ABT Insurance | prints no starting price | £76.20/year | abtinsurance.co.uk | September 2026 | |
| Admiral Business | prints no starting price | ||||
| AXA UK | not readable on the last run | ||||
| constructaquote | prints no starting price | ||||
| Craftcover | prints no starting price | ||||
| Direct Line for Business | prints no starting price | ||||
| Salon Gold | prints no starting price | ||||
| Superscript | not readable on the last run | ||||
| Tradesman Saver | prints no starting price | £55/year | tradesmansaver.co.uk | September 2026 |
Each figure is the insurer's own printed starting price for business liability cover, with the day it was read. An insurer that prints no price is shown with that fact rather than with an estimate.
- Salons A salon buys three things at once: public liability for the client who trips on a trailing cable or is burned by a machine, treatment liability for the harm a treatment itself does, and employers' liability the moment anybody other than the owner works in the room.
- Beauty salons Beauty salon insurance is bought for the treatment, not the room.
- Hairdressing salons Hairdressing is a chemical trade, and its insurance reflects that.
- Nail salons Nail work concentrates two risks that most salon policies treat separately.
- Tanning salons A tanning salon that runs sunbeds is the one beauty trade whose insurance sits directly on top of a statute.
- Photographers A photographer's insurance has to do two jobs that pull in different directions.
- Cleaning businesses A cleaning business is insured against the property it works on rather than the property it owns.
- Electricians Electrical work is insured on the consequences of getting it wrong rather than on the size of the job.
- Plumbers Plumbing claims are water claims, and water is the most expensive thing a small trade can release into somebody else's building.
- IT consultants An IT consultant is almost never sued for hurting somebody.
- HR consultants HR consultancy is advice with a tribunal at the end of it.
- Business consultants Business consultancy is insured on the size of the decision the client made because of you.
- Management consultants Management consultants sit in front of the decisions that cost the most to unwind: restructures, operating model changes, systems selection, cost programmes.
- Consultants Consultant is the widest job title on this site, and the insurance behind it is narrower than it sounds.
- Cyber insurers compared Searches for the top cyber insurance companies are looking for a shortlist, and the honest answer is that a ranking by brand is the least useful way to choose one.
- Salons 2 insurers
- Beauty salons 4 insurers
- Hairdressing salons 2 insurers
- Nail salons 5 insurers
- Photographers 6 insurers
- Cleaning businesses 3 insurers
- Electricians 5 insurers
- Plumbers 7 insurers
- IT consultants 3 insurers
- HR consultants 3 insurers
- Business consultants 4 insurers
- Management consultants 4 insurers
- Consultants 4 insurers
Cite or embed this figure
The published starting price for business liability cover in the UK business insurance market was £5.31 in read September 2026, across 8 insurers and schemes recorded in Insurance by Profession UK Business Insurance Starting-Price Record.
Cite as: "Insurance by Profession UK Business Insurance Starting-Price Record", updated 2026-09-11, https://insurancebyprofession.com/.