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BUSINESS INSURANCE

Tailored business insurance from just £6.22 per month*

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 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 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

See policy documents

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

See policy documents

Courier & Delivery Insurance

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

See policy documents

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

Get everything you need from your free business bank account

With over 1.5 million freelancers, contractors, and scaling businesses trusting in Tide worldwide, we’re committed to building you the best business bank account to help you set up your business smoothly. 

Payment Links

Generate and send Payment Links for quick online card transactions.

Invoicing

Create, track, and send branded invoices straight from the Tide app to get paid faster. 

Tap to Pay on iPhone

Accept contactless payments securely on your smartphone - no additional hardware needed.

Apple/ Google Pay

Set up a digital wallet to make every payment effortless.

International payments

Access your IBAN number in the app to send and receive international payments in a few taps.

Virtual Cards

Pay for your online subscriptions and ad expenses with our Virtual Cards.

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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

Join over 1.5 million members worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

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.

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.

Yes, you need to open a Tide business account to access and purchase a business insurance policy through the app.

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

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