Business insurance by covers
Flexible insurance covers packaged for your business needs
Award - winning service
We're trusted by thousands of business owners across the UK
We can help with all your commercial insurance needs
Comprehensive Protection
Located in Lancaster, our advisors are here to help
UK Based Experts
What our customers have to say...
"Insurance the way it should be. Premierline are easy to deal with - the staff are superb and guide you through getting your insurance sorted properly"
Sports & Social Club
Customer since February 2023
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Premierline Business Insurance Broker is a trading name of Premierline Limited, registered in England and Wales under company number 4521167. Registered Office: Lancaster Business Park, 4 Mannin Way, Lancaster, LA1 3SW. Premierline Limited is authorised and regulated by the Financial Conduct Authority and is covered by the Financial Ombudsman Service. Our FCA registration number is 304779.
© 2025 Premierline Limited. All rights reserved.
4.8 / 5
Independent service rating based on 401 verified reviews
Excellent service with expert knowledge of business insurance enabling us to buy with confidence and ensuring our business insurance needs and requirements are fully met. We always receive polite and friendly customer service from Premierline and everything is explained clearly and concisely.
Architect, Customer since January 2024
Greeting Card Retailer, Customer since January 2023
Café, Customer since February 2020
4.8 / 5
Independent service rating based on 401 verified reviews
Business Insurance Covers FAQs
Business insurance provides peace of mind, whatever sector you’re in, by protecting you against risks like accidents, property damage, legal disputes, business interruption and supply chain issues. If something unexpected affects your business, the right insurance can help you recover quickly and minimise disruption. It also shows customers, suppliers and employees that you’re a trustworthy and responsible business to work with.
Business insurance can include a wide range of cover types, these will vary depending on our specific business and industry needs. Common covers included in business insurance include commercial property insurance, various forms of liability insurance (e.g. public, employers’, professional indemnity), and cyber and data protection. These can help with repair or replacement costs, compensation claims, and losses linked to IT or data breaches. The level of support you receive depends on the covers you choose. A tailored, comprehensive policy means you’re rarely left facing costs alone.
The insurance your business needs most will depend on your sector, operations, and specific level of risk. That said, employers’ liability insurance is one of the covers that’s legally required if you employ staff. It covers claims from employees who are injured or become ill due to their work. Public liability insurance is also strongly recommended. It protects your business if a member of the public is injured or their property is damaged due to your activities.
Other key covers include:
- Commercial motor insurance – legally required if your business uses vehicles.
- Professional indemnity insurance – essential for businesses offering advice or services, especially within regulated professions.
The most important covers for your business will vary. Our expert business insurance brokers can help you understand what protection you need and tailor a policy that fits your business.
Yes. Your business insurance should be tailored to your specific needs. Some covers may not be relevant to your operations, while others are essential. Many standard packages include key covers like buildings insurance, contents and stock cover, and employers’ liability insurance. With Premierline, we’ll help you adjust, add or remove covers based on your unique requirements. This ensures you only pay for the protection truly relevant to your business.
Our experts take the time to understand your business, helping you find the right protection based on factors like:
- Your specific industry and business activities
- Turnover and number of employees
- Insurance claims history
- Risks of your industry
We cut through the jargon and clearly explain what each policy means, so you know exactly how your business is protected. With support from our trusted advisors, you can feel confident you’ve got the right cover in place.
The service I received was absolutely fantastic. Steven who went through everything with me was a great advisor and guided me through the process of selecting our needs. He was an excellent communicator, I wish we had more Stevens in other industries
Premierline are great and very professional. They give great customer service and always achieve the best price.
Three simple steps to protect your business
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Expert advice & tailored quotes:
Your advisor will work with you to understand your needs, then find and compare the perfect cover from leading insurers.
Your cover, sorted:
With our expert recommendations, securing the ideal cover is quick, easy - providing complete peace of mind.
