Protect your business’ future from just £78 a year* with AXA Business Insurance
- Tailor your cover to fit your business – only pay for the covers you choose
- Public liability, professional indemnity, employers’ liability covers available
- Free access to a 24/7 health support line provided by AXA Health
Helen Tamblyn-Saville
AXA customer since 2019
*10% of our customers paid this or less between July and September 2025.
Protect your business with AXA and Future You will thank you
Business insurance is the key to protecting your business, and your livelihood. And at AXA, we put you in the driver’s seat, letting you pick the covers that work best for your business, at the levels you need it.
Our business insurance is flexible and can be tailored to the specifics of your business. Got a business that’s growing fast? No problem – add, change or remove covers1 at any time during your policy through your online account.
So, whether have premises that needs protecting, or employees to look after, you can rest easy knowing AXA has your back.
What are you covered for?
Depending on the policies you buy, you'll protect your business against compensation claims made by:
Protecting your business’ present – and future
Whether you’re a one-man band or you’ve grown to the point of having employees – AXA have got your back. And, when your business starts to grow, you can rely on us. We offer cover for:
- Sole traders
- Small partnerships
- Small companies
Public liability insurance
What is it? Protection for your business against accidental injury and property damage claims from your customers, visitors, or people you visit. It covers any legal fees, the cost of compensation claims and the cost of repairing or replacing damaged property.
Who needs it? All businesses. This is because most businesses interact with the public in some way.
Is it a legal requirement? No, but some larger companies will require you to have it before they work with you. These include places like public or government bodies.
What are the cover levels? £1 Million to £10 million (depending on your occupation).
Professional indemnity insurance
What is it? It covers you for the cost of paying compensation and/or defence costs if a client thinks you’ve made a mistake, provided negligent services, or given bad advice that has led to them losing money.
Who needs it? Any business that offers professional services or advice to clients. This includes businesses like consultants, accountants etc.
Is it a legal requirement? No, but most accredited professional or licensing bodies will require you to have it as a condition of becoming a member.
What are the cover levels? £100,000 to £5 million.
Employers' liability insurance
What is it? Cover for your business if any of your employees ends up accidentally injured or sick because of their job.
Who needs it? Any business that has people – in any capacity – working for them.
Is it a legal requirement? Yes, it’s legally mandatory under the Employers’ Liability Act 1969 if you have people working for you. If you’re found breaking this law, you’ll be fined £2,500 by HMRC for every day you are uninsured.
What are the cover levels? £10 million as standard.
Business contents insurance
What is it? It can help with the cost of replacing any lost, stolen, or accidentally damaged contents of your shop, office, or similar bricks-and-mortar premises. This includes stock, fixtures and fittings, and employees’ personal belongings. It also covers theft of any money from a till or safe.
Who needs it? Any business that has stock or contents. Most businesses that have contents are retail-based (i.e., anyone selling something), but freelancers can also benefit from this cover if they have any equipment that’s vital to business operations.
Is it a legal requirement? No, but if you have, or are looking to get, a business premises, there is a good chance that a mortgagor will ask you to have it.
What are the cover levels? Varying depending on the individual contents being covered.
Why choose AXA Business Insurance?
867k
We protect over 867,000 businesses like yours2
4.6/5 stars
Rated by 19,163 customers on Feefo3
Our customers say...
Average rating:
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Ready to get protected?
If you’re ready to get a quote, then the easiest way to do that is online using the button below.
*10% of our customers paid this or less between July and September 2025.
1Please note: While you will not be charged to make a change to your cover, if you add new covers or increase your level of cover then this may be reflected in an increase of your premium.
2Based on the number of businesses insured by AXA across the UK and Ireland as of February 7th, 2025.
3Rated 4.6/5 based on 19,163 total reviews. Figure accurate as of 10/09/2025.