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  • Startup Business Insurance

  • Startup business insurance you can tailor to protect your passion

    • AXA Business Insurance is the UK’s biggest insurer of startups1
    • Almost half of our customers are in their first three years of business2
    • Cover you can tailor to suit your unique business needs
    • UK-based call centre to guide you every step of the way

    Already know what you need?

    Get a business insurance quote

    Need help picking the right cover?

    Visit our Business Insurance Wizard


    Startup advice to take your idea from dream to reality

    There’s a story behind every business. A big idea. A spark of inspiration that ignited a big ambition. Because it takes courage to start a business.

    Our startup advice collects articles from Business Guardian Angel, inspirational guest posts from real entrepreneurs and practical guides on startup essentials.

    Why does my startup business need insurance?

    Being your own boss is as rewarding as it is challenging, but if anything goes wrong, the buck stops with you.

    By choosing AXA, you get an insurance partner who understands your unique startup business insurance needs. We’ll help guide and support you every step of the way to make sure you have the right protection in place. You’ll likely need some sort of business insurance from day one. AXA provide flexible insurance products, so that you only ever pay for what you need as your startup business grows.

    Feefo service rating. See what our customers say about us - new window

    "Top service from a company that has consistently been so. Well trained people based in UK. It doesn't get any better."

    Public liability insurance

    Claims can come out of anywhere. Say you are visiting a client and you scratch or spill something on furnishings during a visit, or someone trips over tools or equipment you’ve left lying about – you could be faced with a costly compensation claim.

    Professional indemnity insurance

    If you belong to a professional body or industry association, for example you’re an accountant or an IT professional, then you may be required to have professional indemnity insurance. It’ll protect you from expensive claims if a client sues you because they think you have been negligent or that the advice you’ve given them has caused them financial loss.

    Employers' liability insurance

    Your new venture has really taken off, and it looks like you’ll need to take on employees. That may include full and part time staff, freelancers or volunteers – so you’ll need to have at least £5 million employers' liability cover. And it’s a legal requirement.

    If someone you’re directly responsible for is injured as a result of working for you, you need to make sure they are properly looked after – and ensure your business isn’t harmed either. With AXA, you’ll get £10 million cover as standard.

    “Every day I get up and think:
    I’m building something.”

    Lantern is a branding startup that exists because of its founders' need to do his own thing.

    Want to know more about Ryan Tym's startup business story?

    Read now

    Find more startup business advice on Startup Advice.

    1Based on an AXA survey of 500 micro SME business insurance product holders in May 2017.

    2Based on AXA business insurance policy holders in June 2017.

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    **Live chat is available Monday to Friday, 9am to 5pm. Please be aware that during busy times, there may be a short wait.

  • Not sure what business insurance you need?