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Business Insurance

Whatever your business, insurance is vital to protect against worse case scenarios and when things don’t go quite to plan whilst you are carrying out your business. Self-employed individuals, SMEs and large MNCs alike need to have business insurance in place to provide financial protection.

The Business Insurance Guide

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Why is business insurance so important?

Whatever your business, insurance is vital to protect against worse case scenarios and when things don’t go quite to plan whilst you are carrying out your business. Self-employed individuals, SMEs and large MNCs alike need to have business insurance in place to provide financial protection.

Types of business insurance

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Business insurance can protect you against a number of different things and typically includes public liability, employers’ liability, and professional indemnity insurance. There is also business insurance available if your premises are damaged or against claims made against the business.

The type of business insurance you need depends on your unique needs for your specific business and circumstances. You need to weigh up your affordability of the premium against the level of protection required for your business. Smaller businesses and self-employed business owners are more likely to suffer devastating financial loss if they fail to insure themselves properly, without shareholder funds and large reserves to fall back on.

Business insurance legal requirements

As well as for the peace of mind of protecting your livelihood, some types of business insurance are legally required, e.g. if you employ at least one non-family member, employers’ liability insurance is legally required for businesses. Accountants or solicitors and similar professions may also be legally required to have professional indemnity insurance.

The level of legally required business insurance will depend greatly on the nature of your business, the type of industry you operate in, the number of staff you employ and your turnover. If you are unsure about what business insurance you legally need to have, check with your regulator or professional body, or ask an experienced business insurance adviser from Active.

Business insurance covers unexpected events and the potentially detrimental effects they can have on businesses. A self-employed business owner or a partner in a large corporation will appreciate the importance of having the right type of business insurance and the right level to protect their finances.

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Experienced business insurance advisers

Active Mortgages - The UK's Leading Mortgage & Finance Specialists

Active can help you assess the right type of business insurance cover you need and help you figure out what you can afford. Braced with this information, as well as more information about what your business does, number of employees, turnover, scope of business etc, they can source the best business insurance deals for you.

Active work with a range of clients from self-employed individuals to SME directors to global brands, to find them the right business insurance for them. We have a team of business insurance experts that know where the best deals can be found and work closely with business insurance providers. This leads to special deals that might not be available to individuals, so it can pay to use Active to find your deal.

Booking a consultation is easy… simply let Active make it happen for you. 

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What our customers say

Daniel Couchman
Daniel Couchman
12 January 2024
This review is long overdue - Active mortgages got us our dream home! I spoke with around 7 different brokers from different companies which didn’t know what they were talking about but then I found Simon at active - he was straight to the point and got us the best deal and the highest amount possible. I got a bit impatient at one point but that was due to the banks taking ages to process everything - active were calm and reassured us. Highly recommended. Excellent from start to finish Even sent us a gift for Xmas - thank you!
Meena Kanagavel
Meena Kanagavel
2 January 2024
Jamie Murray from Active Mortgages has been amazing in setting up the VAT loan, whilst we purchased our Land. Right from the start, Jamie has been proactive in finding the correct (BEST) deals for us and ensured everyone is aligned to complete on time.Highly recommend using Active Mortgages, and we would certainly be using them again for future projects.Thanks once again Jamie for all your support throughout Dec, appreciate your efforts in making sure our purchase was done on time. Many thanks Meena (and Mark Jones)
Stefan Stancila
Stefan Stancila
21 December 2023
Comprehensive advice from Jamie & easy communication through remortgage process . Recommend!
Yasmin Bates
Yasmin Bates
20 December 2023
Jamie has made the whole process of buying a house very straightforward, especially for self employed. Would 100% recommend and would use again too!
Gerard
Gerard
19 December 2023
Good experience, helped us every step of the way.
darren john coggins
darren john coggins
12 December 2023
Dan has been great from start to finish. As a first time buyer it can be quite overwhelming and confusing but Dan has went above and beyond. His process was very easy, efficient and we could not recommend him enough!
FUNMI AKINLAMI
FUNMI AKINLAMI
7 December 2023
Excellent service, hard working staff
akinlami akinwale
akinlami akinwale
7 December 2023
Excellent service, very patient and willing to help staff
Michael Bennett
Michael Bennett
5 December 2023
Dan has been great from the first phone call. He has made everything simple and taken the time to explain everything to me as a first time buyer, answering any questions I have along the way, highly recommend
james whitaker
james whitaker
31 October 2023
Great professional service highly recommended for anything financial
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

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