Why choose Ripe for your small business insurance?
Public Liability and Employers' Liability cover in an instant
Our super-fast quote process quickly gives you a bespoke quote meaning you can get cover in a matter of minutes. We’ll email the certificates and policy documents to you straight away too.
£10k Accidental Death cover – FREE with all policies
Financial help is at hand if an unfortunate accident at work leads to loss of life. All of our policies come with £10k Accidental Death cover included for an extra layer of protection.
Only pay for the cover you need
We like to make insurance less complicated. We 'unpackage' insurance and let you decide which cover you'd like to add, which means that you don't end up paying for cover that you don't need.
Small business insurance that's right for you
What does our small business insurance cover?
- Public and Products Liability
Up to £10m of cover is included as standard and can protect you against third-party claims for injury or property damage
- Accidental death insurance
£10,000 accidental death cover is included free of charge with every policy
- Employers' Liability insurance
This cover protects your liability following illness or injury to an employee up to the value of £10m. If you work in a profession or trade where you operate fixed woodworking machinery, you can extend your Employers' Liability insurance to cover the use of this machinery.
- Tools cover
Covers the loss, theft or accidental damage to handheld and portable power tools, up to £5,000. The maximum you can claim for any one tools is £500, or 20% of the total sum insured, whichever is greater.
- Goods in Transit insurance
Damage to business goods whilst in or being loaded into or onto or unloaded from any motor vehicle which is owned or operated by you or under your direct control.
- Contract works insurance
Covers costs that you incur if you have to re-do or repair some work that you’ve carried out under terms of a contract. Depending on the limit of cover, you can claim for the cost of tools, materials and labour to put right any damage caused.
- Own plant and hired-in plant insurance
This cover includes damage to the plant whilst at the contract site, in transit, or at your premises.
What's not covered
- Unattended tools
Damage to tools caused by theft or attempted theft if they are left unattended - unless contained in a securely locked vehicle, room or box and there is evidence of forcible or violent entry or exit.
- Theft out of hours
Theft or attempted theft between the hours of 7pm and 6am, unless kept in a securely locked compound or building and there is evidence of forcible and violent entry to or exit from the compound or building. Own plant is limited to a maximum of £25,000 for any one item.
- Goods in transit exclusions
Goods in Transit insurance does not cover damage caused to any goods by deterioration or inadequate packing or insulation, theft (or attempted theft), losses due to delays or any other indirect loss.
For more information about what isn’t covered under the terms of our small business insurance, please read our important documents.