SmartPubTools — Free Business Insurance Tools

Business Insurance
Cost Estimator

Answer three quick questions and get an estimated annual insurance cost for your UK business — with a breakdown of what you legally need vs what’s optional.

Built by Shaun McManus, licensee of Teal Farm Pub, Washington, Tyne & Wear

Business type

What do you run?

Your details

Size & location

Cover needed

What to include

Your estimate

Cost breakdown

What type of business do you run?

Select the closest match. This determines your risk profile and the covers you need.

🍺

Pub / Bar

Licensed premises, wet-led or food

£3,800 – £5,200/yr avg

🍽️

Restaurant / Café

Food service, table service, takeaway

£2,400 – £3,800/yr avg

🏪

Retail Shop

High street or market retail

£1,800 – £2,800/yr avg

🔧

Tradesman / Contractor

Builder, plumber, electrician, etc.

£800 – £1,400/yr avg

💅

Hair & Beauty

Salon, mobile therapist, nail tech

£500 – £900/yr avg

💼

Office / Professional

Consultant, accountant, agency

£600 – £1,200/yr avg

🤝

Care / Childminder

Domiciliary care, nursery, childminder

£1,000 – £1,800/yr avg

🏠

Property / Landlord

Commercial landlord, buy-to-let

£1,400 – £2,400/yr avg

💻

Tech / Freelancer

Developer, designer, digital agency

£700 – £1,300/yr avg

Select a business type to continue

Tell us about your business

These details affect your premium. Larger businesses, more employees, and higher turnover all increase the cost.

Number of employees including yourself

Full-time, part-time, and casual staff all count

Annual turnover approximate

Higher turnover = higher premium for most cover types

Business location affects risk profile

Claims history last 5 years

Previous claims increase your premium significantly

Public liability limit recommended minimum

Years in business experience discount

Which covers do you need?

Legal requirements are pre-selected. Add optional covers based on your circumstances.

Legal requirements for your business type

If you employ staff, employers liability insurance is a legal requirement. Fines of up to £2,500 per day apply without it.

Estimated annual insurance cost

£3,200 – £4,800

Based on your pub, 3 employees, £250,000 turnover

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Cover breakdown — estimated costs

What affects your premium

Business typePub

Employees3

Annual turnover£250,000

LocationTown

Claims historyClean

Experience3-5 years

Why these figures are estimates only

📍

Your specific location

Crime rates, flood risk, and local market conditions all affect your actual premium in ways a calculator cannot replicate.

📋

Your claims details

The nature of past claims matters as much as the number. Insurers assess each one individually.

🏢

Your specific premises

Building age, construction type, security measures, and condition all affect what insurers will charge.

Get your actual quote from Premierline

Premierline compares quotes from Allianz, Aviva, Hiscox, Zurich, and other leading UK insurers. Their advisors understand the specific needs of pubs, restaurants, and UK small businesses. Most quotes completed online in under 10 minutes — or speak to an advisor by phone.

Get a real quote →

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