Small business insurance

Explore the different small business types below to find out more about small business insurance through Ripe.

Small business insurance that's right for you

Hair & Beauty Insurance

Hair & Beauty Insurance

Barber Insurance

Barber Insurance

Personal Trainer Insurance

Personal trainer insurance

Photographers Insurance

professional photographer insurance

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.

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

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!

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

400,000 customers think peace of mind feels better with us

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

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.
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.