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UK Business Insurance Authority

Business insurance, explained without the sales pitch.

Independent, primary-source guides to every commercial line a UK business needs to evaluate, public liability, professional indemnity, cyber, D&O, BI and more.

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Not affiliated with any insurer
Written by qualified CII members
Primary-source UK data only

UK Insurance in Numbers

47.8m

Active UK policies

£312bn

Annual UK premium

186

Independent guides

Sources: ABI, FCA, ONS · 2025

Business & commercial insurance

Independent, primary-source coverage of every commercial insurance class UK businesses need — public liability, professional indemnity, employers' liability, cyber, commercial property, business interruption, D&O, product liability and more.

See every business insurance guide →

Public Liability

Third-party injury and property damage cover.

Professional Indemnity

Cover for advice, design and service errors.

Employers' Liability

Legally required if you employ anyone in the UK.

Cyber Insurance

Breach response, ransomware and data liability.

Commercial Property

Buildings, contents, stock and business interruption cover.

Business Interruption

Income protection and ongoing fixed costs after an insured event.

Key Man Insurance

Business protection against the loss of essential personnel.

Trade Credit Insurance

Protection against customer non-payment and insolvency.

Directors & Officers

Personal liability cover for directors, officers and senior managers.

Product Liability

Cover for injury or damage caused by products you supply, manufacture or sell.

Personal insurance guides

Cover for individuals and households, life, health, home, motor and specialist policies, researched and written to the same independent standard.

Life Insurance

Independent guide to UK life insurance, 6 types explained, how to calculate your coverage need, 2026 premium data, and guidance on pre-existing conditions.

41 guides

Health Insurance

Independent guide to UK private health insurance, what it covers, NHS waiting time data, 2026 premium costs by age, pre-existing conditions underwriting, and an honest assessment of whether PMI is worth it.

24 guides

Home Insurance

UK home insurance explained, buildings vs contents, rebuild cost, Flood Re, premiums in 2026, and the exclusions most buyers only discover at claim.

25 guides

Car Insurance

UK car insurance explained, the legal requirement, the three cover levels, why premiums hit record highs in 2026, and the legitimate levers young drivers and EV owners can use to cut cost.

24 guides

Specialist Insurance

Specialist insurance UK explained, pet, wedding, self-employed, gadget, over-50s and classic car cover, with 2026 premiums, exclusions and break-even analysis.

20 guides