SME Business Insurance | Jensten Insurance Brokers
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SME Insurance

Whether you are a small or medium-sized business we have a range of solutions to help protect you from a range of the most common scenarios.

What is SME Insurance?

SME insurance allows business owners to protect themselves from a range of risks by choosing from a range of important covers.  Your exact requirements will depend on your business, but SME business insurance often includes: 

  • Public liability insurance  
  • Employers’ liability insurance  
  • Buildings insurance  
  • Contents and stock insurance 
  • Machinery and plant insurance 
  • Money cover 
  • Business interruption insurance  
  • Professional indemnity insurance 
  • Directors’ and officers’ insurance  
  • Cyber insurance 

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What does SME Insurance cover?

Just as every business is different, so its insurance needs will differIn our experience, an SME typically requires policies such as: 

Buildings and Contents Insurance

If you own the premises on which you operate then buildings cover is essential and provides cover for an insured event. Contents coverage is also important and will help protect expensive equipment if a similar insured event occurs. Depending on your business we may also recommend separate stock insurance to cover damage to goods stored on-site for sale.

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

Cyber Insurance

A cyber insurance policy helps pay for financial losses they may incur in the event of a cyberattack or data breach. It can cover costs related to the remediation process, such as paying for the investigation, crisis communication, legal services, and refunds to customers.

Directors’ and Officers’ Insurance

D&O insurance reimburses the defense costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing. D&O insurance also covers monetary damages, settlements, and awards resulting from such claims.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Goods in Transit Insurance

Goods in transit (GIT) insurance offers protection if you or your customer’s property or goods are lost, damaged or stolen while they’re being moved from one place to another. For example, when they’re being transported from a factory or workshop to a retail outlet, business premises or private property.

Machinery & Plant Machinery

Integral to any operation within this sector, your machinery is essential and as such must be considered when creating a policy. Common risk factors involved include accidents, theft and fire-related damage. The cover itself will need to fit your business’s operation, with contingencies available for machinery in transit, off-site storage, hired machinery as well as that which is permanently used on-site.

Product Liability Insurance

If products you use or recommend cause damage or harm, you can face claims for compensation. Product liability insurance will cover any pay-outs should a claim prove successful.

Professional Indemnity Insurance

Commonly known as PI insurance, offers financial protection should a client sue you if you give poor advice or do something that results in financial or reputational losses.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Stock Cover

Protects your stock of parts, equipment, and machinery against risks of damage, theft, and loss.

Why use Jensten


A dedicated team that understands specialist insurance


We are the trusted broker to businesses throughout the UK


Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.


Contact us on our website whenever suits you

Call our insurance experts during office hours (calls are charged at a local rate)


Find answers to common insurance questions

Which businesses can SME insurance cover?

Thanks to our team’s wide-ranging insurance expertise, we can help all sorts of SMEs get the business insurance they need, and we can cover: 

  • Shops 
  • Cafés 
  • Manufacturers 
  • Wholesalers 
  • Engineering firms 
  • Builders 
  • Financial services firms 
  • Consultants 
  • Professional services companies, such as solicitors and accountants  

How much does SME insurance cost?

As we’ll tailor your insurance quote to your needs, that’s not an easy question to answer.  What we can say is that it will depend on things such as: 

  • The type of business/trade you are involved in. 
  • The size of your business.  
  • Your annual turnover.  
  • If you have any employees. 
  • Whether you need commercial buildings insurance. 
  • If you have any vehicles in need of cover. 
  • The value of your stock. 
  • Your claims history. 
  • Whether you want to pay monthly or annually – annually will usually be cheaper. 
  • Your business’s postcode. 

If you’d like to know how much it will cost to insure your business, then please get in touch by calling the team on 0808 239 7329They’ll use their expertise to find you the SME business insurance that’s right for you. 

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need SME Insurance?

For comprehensive SME Insurance

SME Insurance

Small Business Insurance can be complex as there are several risks that need to be consideredTo help you get the protection you need, here is Jensten Insurance Brokers frequently asked questions about SME Insurance.  We hope they will be helpful, but if you’d like some personalised independent advice, call the team on 0808 239 7329 or request a callback. 

When you choose to get your business insurance through Jensten Insurance Brokers, you don’t just get high-quality cover; you also get: 

  • Specialist advice from experienced insurance professionals
  • Insurance that’s tailored to your business’s needs
  • Help should you need to make a claim  
  • Independent service from a 4.8/5 feefo-rated broker

We’re committed to helping our clients get a great deal on quality cover.  Having helped thousands of business owners get the insurance they need; we’ve learned a thing or two about how to cut SME insurance costs: 

  • Get some help from an independent broker – as businesses often face several risks, this can be a complex area of cover, so getting some advice makes a lot of sense.  Our team of experienced, independent insurance brokers will be happy to review your needs and look for ways to save you money on your policy.
  • Shop around or better still, get an independent broker such as Jensten Insurance Brokers to do the shopping around for you.  With our specialist knowledge and insurer contacts, we can help you get the right cover at the right price.  To get a quote, call us on 0808 239 7329 or request a callback.
  • Raising your excess – if you have a good claims record, this can be a quick way to cut your costs.

That depends on your businessIf you have any employees, you must have at least £5m of Employers’ Liability Insurance in place – that is a legal requirementAlso, if you have any vehicles, they will need insurance if you want to drive them on public roads. 

Again, this is dependent on your business.  If you have premises, commercial buildings insurance will be importantIf you have customers visiting you or work in public spaces, then public liability insurance will be wiseTo find out what your requirements are, give our friendly team a call on 0808 239 7329 or request a callback.  

At Jensten Insurance Brokers, we can help most small businesses get the protection they needWhether you work in construction, retail, professional services, or manufacturing, we’ll be happy to help.

SME Insurance can be complicated as there are a lot of risks to be considered, so it pays to get some specialist adviceAn independent insurance broker, such as Jensten Insurance Brokers, can also compare its markets to find you the cover you need.