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Tide Logo
Tide Logo
Tide Logo

LIMITED COMPANY INSURANCE

Corporate-grade protection built for limited companies

Scale your enterprise with peace of mind. Protect your firm’s revenue, directors, and physical assets against professional slip-ups, third-party injuries, and costly boardroom liabilities. Cover starts from just £6.22 per month.* 

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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.

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.

Why is business insurance important for a limited company?

Incorporating your company protects your personal savings, but it exposes your business to much bigger threats. A single staff injury claim, a major client dispute, or a malpractice allegation can instantly drain your cash reserves and stall your growth. The right business insurance safely insulates your limited company from complex operational risks, including:

Malpractice allegations: Claims that an executive error or strategic guidance caused a client severe financial loss.

Workplace accidents: Costly injuries suffered by your staff or contractors while executing company business.

Director vulnerabilities: Legal claims targeting directors or officers personally for management oversights.

Asset disruption: Overcoming the sudden theft or damage of office infrastructure and tech without slowing down your operations.

Essential limited company insurance and what it covers you for

Running an incorporated business requires precise, high-tier protection. Select the exact policies that fit your company’s structure and risk profile:

Professional Indemnity Cover
A fundamental cover for incorporated service providers and consultancies. This handles your corporate legal defence fees and any court-ordered compensation payouts if a client alleges that your company’s specialist services or advice contained a negligent mistake that cost them money. Example for limited companies: Your firm’s software development squad delivers a faulty system rollout that knocks out a client’s e-commerce platform, triggering an expensive breach of contract claim.
Public Liability Cover
Protects your company from the financial consequences of third-party mishaps. It handles compensation claims if your daily business operations cause accidental injury to a client or bystander, or damage their property. Example for limited companies: A visiting prospective partner trips over a loose floorboard in your company's boardroom and tears a ligament.
Employers’ Liability Cover
A strict, statutory mandate for almost every limited company in the UK that has more than one director or employs staff. Operating without it can land your company a daily fine of £2,500. It protects your business if full-time employees, part-time staff, or interns become injured or ill because of their work for your firm. Example for limited companies: An office administrator develops severe repetitive strain injury due to un-ergonomic workstations and pursues a claim against the company.
Tools and Materials Cover
Your company cannot trade effectively without its primary tech stack. This cover protects your company-owned laptops, servers, smartphones, and office electronics against sudden theft, accidental damage, or loss. Example for limited companies: A burst pipe in the ceiling above your corporate premises floods the main office room, destroying your team’s laptops and monitors.

How much does limited company insurance cost?

Your premium is calculated based on several key factors:

Your trade

The inherent risk level of your specific limited company activities.

Level of cover

The liability limits and total value of equipment you choose to insure.

Staffing

The number of people you employ.

Location

Where your business is primarily based and operates.

Get a limited company insurance quote

Get your limited company 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 limited company insurance quote

What do I need to get limited company 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

Annual revenue

Your business’s financial background

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Useful articles for limited companies

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Limited Company Insurance FAQs

There is no single legal minimum for UK corporations, but most B2B clients, vendors, and contractual agreements will require your limited company to hold at least £1 million or £2 million in public liability cover before you can trade. If you pitch for public sector contracts or lease commercial office spaces, this threshold often steps up to £5 million or more to satisfy procurement requirements.

While general business policies are not always legally required by UK statute for single-director firms with no employees, holding proper cover is highly recommended to shield your corporate entity from catastrophic financial risks. If a client pursues your company for a major professional mistake or an accidental site injury, the legal defence fees and compensation payouts could easily drain your business bank account and force you into liquidation.

You will receive your official policy documentation instantly the moment you complete your purchase online or within the app. There is absolutely no waiting period or admin delay – your certificates are generated straight away so you can provide proof of cover to clients and lock down new contracts immediately.

Help, my question isn’t answered here Find answers to all our most frequently asked questions about opening an account

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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 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.