Quick and easy small business insurance

Find your profession or trade below and get an instant, tailored quote now

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

Can't find your trade or profession? Try our A-Z directory search

What does our small business insurance cover?

We're carbon neutral!

And we're not stopping there.

We're also committed to protecting the future of our planet, communities and our customers. Feel good about the choice you make for your insurance.

Take a look at our approach to sustainability


Why you need Ripe’s small business insurance

Cover specific to your trade

We make it easy to select the insurance you need and get cover quickly. Whether it’s Public Liability insurance, Employers' Liability insurance, Goods in Transit insurance, Tools Cover or Contract Works insurance, we’ll give you the right cover at the right price.

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Right for your business

We know that your business is unique so we’ll tailor your insurance to suit you. We cover a variety of trades, professions and business types, so whether you are a self-employed builder or a freelance accountant, we’ve got the right cover for you.

Get a quote

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Who are Ripe insurance?

Take a fresh look at insurance

Here at Ripe we like to do things differently. We don’t believe in long forms, jargon or expensive premiums. We’ve made insurance quick and easy. Yes, really!

About us

We’re UK based and always happy to help

We pride ourselves on making insurance simple to understand and easy to buy. Want to ask us a question? Our team of UK advisors are here to help.

Our help and support

320,000 customers think peace of mind feels better with us

We’re passionate about what we do and the great service we offer our customers.

Find out more

Business Insurance FAQs
  • Do I need business insurance?
    • Most businesses will require some form of insurance but it really depends on what you do and how your business is set up. We cover over 300 different types of occupations and professions, including both manual trades and clerical jobs and you can search for yours here. Our quote system will automatically suggest cover that you might want to consider based on your profession, so the quickest way to see what you might need is to get a quote.

    What if my occupation or profession is not on the list that you cover?
    • If you cannot find your occupation or profession in the search bar, you could look through the A-Z list. If you still cannot find a good match, we might still be able to help so please call us on 0800 668 1552.

    Do I need Employers' Liability insurance?
    • If your business has any employees, Employer’s Liability insurance is a legal requirement. As an employer, you are responsible for the health and safety of your employees and you can be fined if you are found not to have cover in place. The Employers’ Liability (Compulsory Insurance) Act 1969 protects employees against the risk of injury at work by ensuring that companies that employ people have the correct insurance.

    How much Public Liability insurance do I need?
    • It really depends on what you do for a living and if you work with or for anyone that stipulates a minimum level of cover. For example, if you are contracting, some companies might ask you show that you have at least £5 million in cover. It's best to check this out with the companies you work with before taking out a policy. You can always increase your cover at a later date by contacting us.

    What should I do if I need to make a claim?
    • All the details are in your policy documents, however should you need to make a claim, you can call 0344 274 3262 and we'll advise you.

    What are endorsements?
    • You will notice that your Policy Schedule lists some endorsements that are relevant to you and your business. These are used to outline policy conditions you need to comply with and full information can be found within the Endorsement Library, which accompanies every policy. You can also see an online version here.

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