Business Insurance

AXA Business Insurance

Policies for

Other businesses, Professional, Tradesman & Shop

Cover options

Buildings, contents, legal expenses & business interruption

Liability options

Public liability up to £5,000,000 & employers' liability up to £10,000,000

AXA Business Insurance is designed to keep your business running, whatever lies ahead. We provide business insurance to small and medium-sized businesses, sole traders and self-employed people, as well as landlord insurance and van insurance – for business or personal use. With us, you can tailor your cover to meet your needs – and save an extra 10% when you buy online. It’s the protection you’d expect from AXA – for less. Tailor your policy with a range of optional extras and levels of cover We protect over 600,000 businesses in the UK We pay out on 92% of business insurance claims UK-based contact centre to guide you every step of the way



Compare Business Insurance With Money Pug

If you are a business owner than finding the right insurance for you can be even more complex than finding insurance as a private individual. Yet it can be just as important, if not more so, to make sure that you are covered for various scenarios. We understand that every business is unique, and each one will have its own unique set of challenges, concerns and requirements. We can help you by finding business insurance quotes that meet your company’s specific needs. Use Money Pug’s handy comparison service and it is easier than ever to make sure that you have the level and type of business insurance cover that you need.

Comparing business insurance quotes with Money Pug could not be any easier! Simply answer a few simple questions about your business and we will create a list of quotes tailored to your business needs.


What Types of Business Insurance Are Available?

Employers’ Liability Insurance

Employers’ liability insurance is a legal requirement for any business that employs one or more people. This type of insurance protects you against the cost of compensation claims if one of your employees gets hurt or becomes ill through working for you. If you do not have this type of insurance in place you could get a fine of up to £2,500.

Professional Indemnity Insurance

Another type of cover that small businesses may need is professional indemnity insurance. This is not a legal requirement but you may be asked to have it in place by other companies that you are working with. This type of insurance covers you for if someone says that your work as caused a problem or you have given them bad advice, and takes legal action against you. In this scenario, you could face a large legal bill if you do not have professional indemnity insurance in place. A policy might cost a few hundred pounds a year – but could save you thousands should something go awry.

Public Liability Insurance

Many businesses of all kinds will also require public liability insurance. This type of insurance is there to cover the cost of legal action or compensation claims against your company, if a member of the public is hurt of their belongings are damaged while they are on your premises. This type of insurance also covers you if you are working in someone else’s home, office or business location.

This type of insurance is a very good idea for all those who regularly come into contact with the general public, or who welcome the general public into their workplace. This includes: shops, pubs, cafes, restaurants, contractors and tradespeople.

Property Insurance

Business contents insurance policies are another type of insurance that many businesses will have to consider. These are very similar to the contents insurance policies that we take out to protect our homes. In return for the insurance premiums, an insurance company will cover the business against losses to its contents. Whatever your business, if you have physical premises then contents insurance will usually be essential, especially as that business grows and physical items accumulate.


Business Insurance will cover you for:

  • Damage due to fire.
  • Damage due to flood.
  • Damage due to lightning strike.
  • Damage due to storms.
  • Damage due to riots, civil disorder and vandalism.
  • Theft from your premises.

Such a policy will generally cover losses to:

  • Furniture
  • Fixtures and fittings
  • Tools
  • Equipment
  • Stock (Raw materials & finished goods)

Some businesses may also find is necessary to cover other items, such as:

  • Cash kept on the premises before being banked.
  • Goods in transit.

Different insurers will have different ideas on what is covered as standard, so check a policy carefully before you choose which one to go with, to make sure you have adequate cover for your needs.

Landlord Insurance

If you rent out a property then you will probably not be covered by usual home insurance and contents insurance policies since you do not life there. You will have to take out landlord insurance in order to make sure that your property is protected. If you have a buy to let business, having landlord insurance cover in place will protect you should your property be damaged.

In addition, a mortgage lender or bank may insist that you have ‘let building insurance’ or ‘rental building insurance’ that will cover the cost of completely rebuilding the property should something disastrous happen. You may also wish to take out extra insurance to cover the contents of the property as well as its physical structure.

A useful added component to landlord insurance is that it is possible to include protection against loss of earnings due to an insured event such as a fire. You may also be able to find additional cover in case you cannot find a tenant for a period of time.

Business Life Insurance

How would your business function if it lost a key person, a director, shareholder or member of staff? Everyone has their role to play and a small business depends on the people within it. In order to be prepared for the worst, it may be a good idea to get key person insurance, so the company will not go under should that person suddenly be unable to work.

You could also consider purchasing relevant life insurance policies for staff or employees. This can be a good part of a benefits package and can help you retain your best staff or recruit new talent. The policy can be suited to your requirements and is free from income tax.

Business life insurance can also include business loan protection, so you can pay back money even

if you lose the input of a key figure in the business. Policies you put in place could also protect ownership of a business should shareholders or owners die unexpectedly.

With Money Pug, it is easier than ever to find the right Business insurance policy or policies for you and to make sure that your business is covered for every eventuality in this unpredictable world.

Useful Guides

The website is easy to navigate and has a lovely clean design!

- Customer

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