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BUSINESS INSURANCE

Tailored insurance from £6.22 a month*

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

  • Get flexible stand-alone policies or bundle for great value

  • Build a custom policy tailored to your industry

  • Protect your team, tools, and trade

Answer a few questions about your business and get a quote in minutes.

Get a quote

Already a Tide member? You can get a quote directly within the Tide app under the Finance tab. For more information, contact our sales team on 02039620009.

Tide Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 1040067). *Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply.

Explore our business insurance policies

Whatever your industry, we’ve got you covered. Discover our full suite of business insurance options and get a quote in minutes. For more details, check out our policy documents.

Benefits of Tide business insurance

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

Flexible

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

Seamless payments

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

One-stop shop

Manage your policies and documents in one place and get member support via the app. Enjoy a growing range of insurance options that scale with your business.

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 an instant quote to find the coverage you need, 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 designed to suit every business. Explore our individual policies or combine policies to protect your business.

Protection Insurance


Claims from your own staff

Claims from the public for physical mishaps

Claims regarding mistakes in your work or advice

Financial loss from damaged or stolen tech

Trades Insurance


Theft, loss, or damage to tools and project materials stored in your van or on-site

Unfinished projects damaged by fire, flood, or vandalism during construction

Heavy machinery you own, such as diggers, excavators or mixers.

High-value machinery rented from a hire company

Courier & Delivery Insurance


Loss, theft, or damage to the items you are delivering while they are in your vehicle

Get small business insurance in just a few steps

  1. Select your policy cover(s)

  2. Tell us about your business

  3. Quote and purchase your policy

  4. Download the app to view and manage your policy

Get a quote

Join over 2 million members worldwide

What members say about Tide

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

Questions about business insurance?

Tide offers a range of policies including Employers' Liability, Public Liability, Professional Indemnity, Business Equipment, Tools and Materials, Contract Works, Owned and Hired Plant, and Goods in Transit Insurance.

Tide's business insurance is designed for freelancers, sole traders, limited companies, and contractors who need tailored coverage to protect their business.

If you're a Tide member, you can get a quote in minutes directly within the Tide app under the Finance tab, or by visiting the Tide website, using basic details about your business such as its name, size, and annual revenue.

Yes, Tide allows you to pay monthly and cancel your annual policy at any time, giving you flexible control over your coverage.

No, you can purchase a business insurance policy without a Tide business account.

Yes, generally business insurance is tax-deductible in the UK, meaning the cost of your premiums will be subtracted before calculating your taxable profit. They’ll be classed as an “allowable expense” if they’re used wholly and exclusively for business purposes. 

This will look differently depending on the structure of your business:

  • Limited companies will pay less corporation tax

  • Sole traders can deduct the expenses before calculating their income tax through Self Assessment

Tide Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 1040067).

There’s only one type of business insurance that’s legally required as a small business which is employers’ liability (EL) insurance - this law applies to any business that employs staff.

You’ll also find that, in some situations, you’re required to have public liability insurance which acts as additional reassurance.

It’s not always a legal requirement (unless you employ other people), but it’s recommended to protect against third-party claims and any legal fees or compensation payouts. 

Unless you have employees, it’s not a legal requirement. But if you’re running an online business from home, your standard home insurance might not cover your business assets. So having insurance for your online business can help protect against risks like damaged equipment or stock, late payments and cyberattacks. 

Yes, because the legal structure of your business will change. You may need to cancel your existing policy and start a new one, which could affect your premium. 

Find answers to all our most frequently asked questions in our Help Centre. For more information on our insurance covers, go to our policy documents page.

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 2 million sole traders, freelancers, and limited companies worldwide.

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Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.