Why is equipment insurance important?
Specific insurance for business equipment is a key part of operations for thousands of UK professionals. It can help cover damage or loss of your essential items, often making the difference between closure and business as normal. So if there’s a risk that your laptop could get stolen, for example, or your shop’s appliances could get damaged, business equipment insurance is there to keep you running.
shop, office, and portable equipment insurance, UK contact and claims team
cover for break-ins, flood, fire, and accidents, for peace of mind while you work
rated 4.7/5 based on 39K+ public liability customer reviews
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Insurance for business equipment – what’s covered?
Business equipment insurance covers the replacement costs of equipment you use in your day-to-day activities, such as a blow dryer if you’re a hairdresser or a portable card machine if you’re a market stall trader. If your business equipment is lost, damaged, or stolen, this cover can help you to keep on working.
If you’re a tradesperson and you need cover for tools such as an electric saw, you can get the protection you need with tools insurance.
Fire
Theft
Flood
Accidental damage
Fire
What does this cover?
damage, destruction, and loss caused by fire
cover for your business equipment, up to the insurance level you’ve selected
When would I need to make a claim?
for example, a fire in your beauty salon destroys the equipment you rely on for day-to-day trading
Theft
What does this cover?
theft of items like your business laptop or phone
cover for your business equipment, up to the insurance level you’ve selected
When would I need to make a claim?
for example, someone breaks into your office and steals your laptop
Flood
What does this cover?
damage, destruction, and loss caused by flooding
cover for your business equipment, up to the insurance level you’ve selected
When would I need to make a claim?
for example, a pipe bursts in your bakery, flooding the premises and destroying your baking equipment
Loss
What does this cover?
loss of items like your laptop or trade equipment
cover for your business equipment, up to the insurance level you’ve selected
When would I need to make a claim?
for example, you leave your bag on the train and lose the laptop and drawing equipment you need to run your architecture business
Accidental damage
What does this cover?
accidental damage to items like your work phone or trade equipment
cover for your business equipment, up to the insurance level you’ve selected
When would I need to make a claim?
for example, while styling a client’s hair in your salon, you drop and break your straighteners
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does business equipment insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
Example business equipment insurance quotes, real prices
£10.40 /month
£83.95 /year
A small software development company working on apps for smartphones
- 1-2 years' experience
- Sole trader
- No employees
- Based in Edinburgh
Public liability
Not included
Contents & business equipment
£5,000
Professional indemnity
£50,000
£64.16 /month
£570.31 /year
A large coffee shop situated on a busy high street
- 5+ years' experience
- Limited company
- 2 employees
- Based in Belfast
Public liability
£5,000,000
Contents & business equipment
£15,000
Employers’ liability
£10,000,000
How we work out example quotes These examples are real quotes from our online system (created 14/09/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock |
