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BUSINESS INSURANCE

Tailored business insurance made simple

Busy building something great? Tide’s small business insurance makes it easy and affordable to protect it. 

Get flexible, stand-alone or packaged policies all in one place, all designed for businesses. Open a Tide business account today to get a quote directly in-app.

Get a quote

Already a Tide member? You can get a quote directly within the Tide app under the Finance tab.

Tide I.S. Limited is an appointed representative of Able Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 311649).

Benefits of Tide business insurance

Protect your business quickly and easily – with no unnecessary questions or fuss.

Flexible

Get a quote in minutes via the app, pay monthly and cancel your annual policy at any time.

Seamless payments

Get monthly reminders when your payments are debited from your Tide business account, no manual setup needed.

One-stop shop

Manage all policies and documents in one place via the app. Get member support for any questions and look forward to new cover options coming in 2026.

Get a quote

What is business insurance?

What is business insurance?

Business insurance is a type of insurance policy designed to protect your business from any financial losses or unexpected events. It’s a vital part of risk management for any business and can act as a safety net against common threats like accidents, property damage and legal claims. 

Whether you’re a freelancer, sole trader, limited company or contractor, the right insurance can provide peace of mind. 

At Tide, our policies are tailored to fit your specific industry and needs – get a quote in minutes to find coverage quickly, without fuss.

What does business insurance cover?

Your business's needs determine the type of insurance you require. At Tide, we offer flexible insurance options to suit your business. Explore our individual policies or combine policies to protect your business.

Employers' Liability Insurance

This is a legal requirement if you employ anyone, including temporary staff, and it covers injury or illness claims made by your employees. For example, a developer trips in the office and breaks their wrist. This is a legal requirement.

Learn more

Public Liability Insurance

This covers claims from customers or visitors for injury or property damage, making it ideal for shops, cafés, and tradespeople. For example, a client slips on a wet floor in your office, breaking their laptop. This is not a legal requirement.

Learn more

Professional Indemnity Insurance

Covers claims for financial loss due to advice or services you provide, protecting businesses like consultants and designers. For example, a design agency makes a mistake on a website build, leading to a financial loss for the client. This is not a legal requirement.

Learn more

Get small business insurance in just a few steps

  1. Download the Tide app

  2. Tell us about your business and verify your identity

  3. Your business account is approved and ready to go

  4. Get a quote and purchase a policy via the app

Open a business account

What do I need to get a quote for business insurance?

Getting a business insurance quote at Tide is simple – you just need some basic information about your business to get started.

Business details like name, address and type

Size of your team

Your business’s financial background

Annual revenue

Get a quote

Tide business insurance policy documents

At Tide, we believe business insurance should be transparent and easy to understand. After you get a quote, we’ll send you a document that clearly breaks down your cover and what it includes.

Public and Employee Liability Policy Summary

See policy details

Professional Indemnity Summary

See policy details

Insurance Policy Wording

See policy details

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What members say about Tide

Questions about business insurance?

Find answers to all our most frequently asked questions in our Help Centre.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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