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Start-up business insurance
Compare insurance quotes for new businesses
Arrange tailored insurance for start-ups
Protect against claims made by clients and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, including start-ups
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
start-up business insurance?
As an entrepreneur, you’re probably used to taking some risks - but how far do you take them? When you’re focused on growth and innovation, protecting your start-up from unexpected risks is essential for long-term success.
Whatever your industry, we can help support you with arranging cover tailored to new and emerging small to medium businesses. The right insurance can help protect your company, assets, employees, customers and potential financial losses during the early hustle stages of business.
What types of start-ups are covered?
We can help cover the majority of start-ups in most industries, including but not limited to:
- Brick-and-mortar businesses - Including hospitality, manufacturing and retail shops and salons
- Professional services like consultants, accountants
- Wholesale or manufacturing businesses
- Creative agencies and studios
- Landlords for residential or commercial property
- Sole traders and freelancers
Can’t see your start-up business here? It’s likely we can still help you. Start a quote online and a member of our insurance team will be on hand to help you through the process.
Why do start-ups need insurance?
Being an entrepreneur doesn’t come without its risks. You should consider if:
- A client slips and falls in your office or workspace
- A client claims professional negligence over a product or service
- A team member gets injured as a result of their work
Having the right insurance in place can help if someone makes a claim against you, or if you need to make a claim.
What does start-up insurance cover?
Policies vary per provider, and limits and exclusions apply. Always refer to your policy wording for details about what is and isn’t covered, and speak to your insurer if you have specific questions. Your packages could:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Professional indemnity insurance
Protects you if you give out incorrect advice or a client claims professional negligence.
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire.
How much does insurance for start-ups cost?
No two insurers are the same, so it’s difficult to give a solid figure for what you might be paying for an annual insurance policy. The following will affect the price of your premiums:
- Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
- Your insurer - The insurer you choose will also influence costs.
- Business activities - The type of services you offer will play a big part in determining the scope of your cover, influencing costs.
- Location – Where you work is taken into consideration when calculating the price of your premiums.
- Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.
Get start-up insurance covered with Bionic
At Bionic, we champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.
Our UK-based team helps business owners daily, compare business insurance quotes to find the right insurer that fits. Get in touch with us today by starting a quote online.
“Launch with confidence using tailored cover. Protection that supports your business from day one."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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