Protection You Can Actually Rely On
Business Insurance
Business insurance isn't just a box to tick — it's what stands between you and financial ruin if something goes wrong. Our founder Joel Kirby built Monopoly Insurance to over 7,500 customers. He knows exactly what businesses need, and what they don't.
Did You Know?
Over 40% of UK small businesses have inadequate insurance cover — meaning if they made a claim, they'd receive significantly less than the cost of the loss. This is called 'underinsurance' and it's alarmingly common, often because policies weren't updated as the business grew.
What's Included
Public liability insurance
Covers claims from customers or members of the public injured on your premises.
Professional indemnity
Protects you if a client claims your advice or services caused them a financial loss.
Employers' liability
Legally required if you employ anyone — including contractors in many cases.
Buildings & contents
Cover for your premises, stock, and equipment.
Business interruption
Keeps money coming in if an event forces you to close temporarily.
Cyber liability
Increasingly essential — covers data breaches and cyber attacks.
How Monopolising Helps
Review your existing policies
We check what you have, spot gaps, and identify policies you may not need.
Compare the market
Using whole-of-market access, we find the right cover at the right price.
Explain it in plain English
We make sure you genuinely understand what you're covered for.
Annual review included
As your business grows, we make sure your cover grows with it.
Common Questions
Do I legally need business insurance?
Employers' liability is a legal requirement if you employ anyone. Public liability isn't legally required in most sectors, but is essential in practice.
How do I know if I'm underinsured?
Most businesses don't know until they make a claim. That's why we do a proper review — not just a price comparison.
Can you insure unusual or high-risk businesses?
Often yes. Our access to specialist markets means we can find cover for trades and sectors that high street providers won't touch.
Get a Free Business Insurance Review
Fill in your details and we'll be in touch within 24 hours. No obligation, no cost.