Business Details
24 Years
experience
Trusted Business Insurance Solutions for SMEs
S M E Insurance has been dedicated to providing tailored small business insurance solutions across the UK since 2002. Our mission is to simplify the process of securing comprehensive protection for high street shops and SMEs, ensuring businesses can operate with confidence and peace of mind. With access to a panel of A-rated UK insurers, we specialise in crafting flexible policies that address the unique risks faced by diverse industries, from hospitality and retail to professional services. Our team of experts combines deep market knowledge with impartial advice, shopping the market to secure competitive rates without hidden fees.We prioritise transparency, offering 24/7 legal helpline support, flexible payment options, and dedicated advisory services throughout the policy lifecycle. Backed by Marsh Ltd, an FCA-authorised firm with decades of experience, we pride ourselves on delivering genuine affordability and expertise that empowers businesses to focus on growth while we handle their protection needs.
Services
Business Equipment Insurance
Employers Liability Insurance
Public Liability Insurance
Product Liability Insurance
Professional Indemnity Insurance
Business Interruption Cover
Cyber Insurance
Stock Insurance
Loss of Licence Insurance
Building and Contents Cover
Details
- Year established: 2002
Highlights and features
- 20+ years of specialist SME insurance expertise
- Access to A-rated UK insurers and competitive market rates
- Free business insurance check with no-obligation advice
- Transparent pricing with no hidden fees
- 24-hour legal helpline for policyholder support
Associations and certifications
- Financial Conduct Authority
What people say
Platinum Trusted Service Award
Affordable pricing
Expert guidance
Responsive claims support
No hidden fees
Services
Business Insurance
Our business insurance packages protect SMEs against operational risks through tailored policies. Covering public liability, employers liability, and property damage, these solutions safeguard against financial losses from accidents, legal claims, or unexpected disruptions. Policies include up to 5 million liability protection with optional cyber insurance add-ons.
Public Liability Insurance
This essential coverage protects businesses if customers suffer injuries or property damage on your premises. It covers legal defence costs and compensation claims arising from incidents like slips, trips, or faulty equipment, ensuring business continuity during disputes.
Employers Liability Insurance
Legally required for businesses with employees, this insurance covers work-related injuries or illnesses. It handles medical expenses, compensation claims, and legal fees, providing financial security while supporting workplace safety compliance for employers.
Cyber Insurance
Designed for modern businesses, cyber insurance mitigates risks from data breaches and online fraud. Coverage includes incident response costs, regulatory fines, and business interruption losses, complemented by proactive security guidance to strengthen digital defences.
Business Interruption Cover
This coverage replaces lost income and fixed expenses when disasters force temporary closures. It supports recovery from events like fires or floods, though excludes pandemic-related interruptions, ensuring businesses maintain financial stability during rebuilding.
Questions
What types of insurance do SMEs typically need?
Most SMEs require public liability, employers liability, and property insurance. Additional covers like cyber protection or business interruption may apply depending on industry-specific risks and operational requirements.
How are insurance premiums calculated?
Premiums depend on business size, industry risk profile, coverage levels, and claims history. We assess these factors to create cost-effective policies, ensuring you only pay for necessary protections.
Can I get insurance if I'm self-employed?
Yes, self-employed individuals need tailored coverage. We recommend public liability and professional indemnity insurance for service providers, with optional equipment or cyber protection based on business activities.
What's included in shop insurance policies?
Shop insurance typically covers buildings, contents, stock, public liability, and employers liability. Optional add-ons include glass cover, legal expenses, and loss of licence protection to address retail-specific risks.
How quickly can I get covered?
We provide instant quotes online, with policies available within minutes. For complex requirements, our advisers complete assessments and issue tailored proposals within one business day.
Do you offer multi-policy discounts?
Combining covers like liability and property insurance often reduces costs. Our brokers identify bundling opportunities during consultations to maximise savings while maintaining comprehensive protection.
Reviews (5)
Jyoti
Nov 27, 2021
Report
I have had all my insurance policies with semi but lately when I tried to renew my business insurance I could not get through to any one. I called many times and left voice messages also let a free request online for someone to get back to me but no response.
Joanna Cikara
Jan 16, 2021
Report
Well I certainly can't complain...this firm has been my insurance company for many many years and although thankfully I've never had to make a claim yet...my premium is very good value for the cover I have ....being small fry as the saying goes.
Lee has been my personal agent and lives locally near me too and always goes through everything meticulously with me as he understands my position and everything is explained with immense clarity ....with no vague areas so that had there to be a claim ever neither party can say otherwise. Sometimes people want to be told what they want to hear but I think
Lee has been my personal agent and lives locally near me too and always goes through everything meticulously with me as he understands my position and everything is explained with immense clarity ....with no vague areas so that had there to be a claim ever neither party can say otherwise. Sometimes people want to be told what they want to hear but I think
Martin Forward
Nov 30, 2020
Report
Very poor we pay 196.67 a month and we needed a Claim we have quotations done to cost of the work was 11k they sent loss adjuster
Who agreed to work but then said my pub was under insured so there can now only pay out 1500 of the 11k as the pub was only insured for a rebuild of 300,000 but the loss adjuster said it would cost 1.2 million not in a million years to rebuild this pub for 1.2 million I could build a whole estate for that money just trying to get out of it
So is the pub was to burn down it would not of paid out as it was undervalued jokes
Avoid at all costs
Who agreed to work but then said my pub was under insured so there can now only pay out 1500 of the 11k as the pub was only insured for a rebuild of 300,000 but the loss adjuster said it would cost 1.2 million not in a million years to rebuild this pub for 1.2 million I could build a whole estate for that money just trying to get out of it
So is the pub was to burn down it would not of paid out as it was undervalued jokes
Avoid at all costs
Georgina Rayner
Jan 05, 2020
Report
A great team, helpful and knowledgeable and really good choice for specialist small business insurance.
Serena Durrant
Nov 18, 2019
Report
Persistently calling me whilst sleeping called every 15mins only to tell me they cant help me! They left voicemail mails it could of waited very pushy company. Wouldn't want to deal with them ever again!
