Welcome to Smarter Insurance

Smarter Insurance is a smart way to buy your small business insurance online. You will be able to get a competitive quotation online for your small business insurance within seconds and insure your business instantly.

There are no lengthy forms to complete or call centre queues to wait in. Smarter Insurance is just a simple and smart way to insure your business online when it’s convenient for you.

If you require any assistance with your small business insurance, please call Smarter Insurance on 0845 607 0515.

About Our Products

Public Liability Insurance

If you are a business that is visited by members of the public, clients or customers, then you will benefit from public liability insurance. This type of insurance protects you if a claim is made against you including a claim of damage or injury caused by your work. Public liability insurance should cover legal fees and expenses caused by a claim.

Professional Indemnity Insurance

Professional indemnity insurance is vital for any business if they want to protect themselves from claims made by dissatisfied customers. In these cases, a business’ financial interests as well as its reputation are protected. This type of insurance covers a huge range of instances so it is important to ensure that you have professional indemnity insurance to protect you.

Motor Trade insurance

With our motor trade insurance, you will be covered to drive customer’s vehicles as well as your own vehicles. You will also be covered for vehicles parked at your home address. As well as this, you can opt for cover for employees to drive any vehicle owned or used by the motor trade business. Motor trade insurance can cover full or part time traders.

Employers Liability Insurance

If an employee is injured at work or becomes ill at the fault of the employer, then employers liability insurance can cover the costs of damages and legal fees. With this employers liability insurance, employees who are injured because of an employer’s negligence can still claim for compensation, even if the business goes into liquidation.

Road risks insurance

If you are a mechanic who repairs vehicles or a salesman who buys and sells cars, then you will need to invest in road risks insurance. This covers you to drive vehicles that you don’t own. You can opt for road risks insurance policies that are comprehensive, third party fire and theft or third party.