- Free Business Insurance Cost Calculator tool - get instant estimates based on your specific inputs
- UK-specific data - all costs and benchmarks based on current £80-£350/yr market rates
- No signup required - use the calculator instantly and compare scenarios
- Updated for 2026 - reflects the latest pricing, tax rates, and industry benchmarks
Business insurance costs in the UK vary enormously depending on your sector, workforce size, turnover, and the types of cover you need. Public liability insurance — essential for any business that interacts with the public — costs £80 to £350 per year for £2 million of cover, while employers’ liability insurance, which is legally mandatory for any business with employees, costs approximately £160 per year as a base and scales with headcount and industry risk. Professional indemnity insurance for service-based businesses ranges from £200 to £1,200 per year depending on risk level, and contents insurance adds £100 to £750 based on the value of your business equipment and stock. Construction and trade businesses pay the highest premiums due to elevated risk profiles, typically 2 to 3 times more than office-based firms for equivalent cover levels. This calculator estimates your total annual insurance premium based on business type, employee count, cover requirements, and turnover band.
How to Use This Calculator
Select your business type — office, retail, construction, or tech to set the risk multiplier.
Choose the number of employees to scale employers’ liability costs.
Select your cover level — basic (public liability only), standard (+ employers’ + contents), or comprehensive (+ professional indemnity + building).
Review your estimated annual premium broken down by cover type.
