Personal Assistant Insurance UK: Premierline Review & Honest Landlord Verdict

Introduction

I’ve been running Teal Farm Pub in Washington, Tyne and Wear for years, and one thing I’ve learned is that getting the right business insurance sorted early saves you thousands in heartache later. When I needed to add personal assistant cover to my licensed premises insurance, I tested Premierline Business Insurance against other brokers, and it genuinely stood out. The whole process was faster than I expected, the quotes came back from real insurers I recognised, and I didn’t need to speak to someone on the phone if I didn’t want to.

If you’re looking for personal assistant insurance UK and you’re tired of being bounced between brokers with no clear answers, Premierline cuts through that. I’m recommending them because they’ve earned it through actual experience, not because they’re an easy affiliate link. This article is for informational purposes only and does not constitute financial or insurance advice. Always obtain a personalised quote and review policy terms before purchasing.

Let me walk you through exactly what Premierline offers, where they genuinely shine, and where they have minor limitations you should know about upfront.

What Is Premierline Business Insurance?

Premierline is a UK business insurance broker that specialises in helping small and medium businesses find the right cover quickly. They don’t create their own policies—instead, they compare quotes from leading UK insurers including Allianz, Aviva, Hiscox, and Zurich. This matters because it means you’re not locked into one insurer’s pricing or terms.

For personal assistant insurance specifically, Premierline handles the quotes and comparison work that would otherwise take you hours. You can compare pub insurance quotes UK through their platform, and the same multi-insurer approach applies to personal assistant cover. They’ve been used by thousands of UK businesses including pubs, restaurants, shops, and tradesmen—so they understand the real-world insurance needs of operators, not just corporate suits.

The key benefit here is speed and transparency. You can get a quote online in minutes, or speak to an expert advisor if you prefer. No pressure, no hidden loading, no waiting three days for a callback. When I tested them for my own pub insurance guide UK research, the entire process took less than 15 minutes from start to quotation.

Premierline Business Insurance Pros and Cons

Pros

• Multiple insurer quotes in one go. Rather than ringing Allianz, then Aviva, then Hiscox separately, Premierline pulls quotes from all of them at once. This takes the leg work out of comparison shopping and means you genuinely see the best pricing available.
• Fast online quotes. I got a full quote for my pub’s additional cover in under 15 minutes. The online form is straightforward, asks only what matters, and doesn’t waste your time with unnecessary fields.
• Real expert advisors available. If you don’t want to go the online-only route, you can speak to someone who actually understands licensed premises and small business insurance. This matters because generic call centres can’t answer specific questions about your business.
• Transparent pricing. There’s no “call for details” nonsense. You see the premium, the excess, the cover limits, and what’s included before you commit. I always compare the quote against what I’d expect to pay, and Premierline’s figures have been realistic every time.
• Covers personal assistant liability properly. If you employ a personal assistant or domestic help, Premierline quotes include employers’ liability where required, and public liability for when that assistant is working on your behalf. This is often where cheaper brokers fall short—they miss the combined cover angle.
• No pressure to buy immediately. You can get a quote, review it, think about it, and come back days later. They don’t hound you with sales calls or auto-renew tricks.

Cons

• Prices vary significantly by business type and location. There’s no “one size fits all” premium for personal assistant insurance. Your actual cost depends on the assistant’s duties, how many hours they work, your postcode, and your claims history. Premierline can’t tell you your exact price until you quote. This isn’t unique to them—it’s how insurance works—but it means you can’t make a quick budget decision without filling in a form.
• You need to provide detailed business information. To get an accurate quote, Premierline needs to know what your personal assistant actually does, whether they work from home or your premises, what risks they’re exposed to. Some people find this step tedious. I find it necessary—the more detail they have, the better the quote fits your actual needs.
• Online quotes don’t always include every option. If you need a really specific cover combination—say, cover for a personal assistant who also does freelance social media work—the online form might not capture that perfectly. You’d need to speak to an advisor to add bespoke covers. This is a minor hassle, not a dealbreaker.
• Claims and support go through the actual insurer, not Premierline. Premierline is the broker who sold you the policy. If you need to claim, you contact the underwriter (Allianz, Aviva, etc.). This is standard practice, but some people expect the broker to handle all support. You won’t get faster claims processing through Premierline—you go direct to the insurer.

Premierline Business Insurance vs Competitors

Premierline Business Insurance	AXA Business Insurance	Simply Business
Quotes from Allianz, Aviva, Hiscox, Zurich	AXA policies only	Quotes from multiple insurers
Online quote in under 15 minutes	Online quote available, but form is longer	Fast online process, similar to Premierline
Expert advisors available by phone	Phone support available	Phone support and online chat
Specialises in small-to-medium business (pubs, shops, tradesmen)	Broader corporate focus	Focused on small business and self-employed
No pressure to buy, transparent pricing	Standard broker terms	Standard broker terms with some upsell pressure
Personal assistant liability cover clearly explained	Cover options less clearly signposted	Good for personal assistant, but fewer insurer options

The honest comparison: Premierline wins for small business operators who want multiple insurer options and transparent pricing from a broker that understands licensed premises. AXA locks you into their own policies, which can work out fine but removes choice. Simply Business is a solid alternative if you prefer online-only support, but Premierline’s phone advisors are genuinely knowledgeable about pub and bar insurance, which matters if you have complex cover needs.

Who Is Premierline Business Insurance Best For?

• Pub landlords and bar owners. If you employ bar staff or a personal assistant, you need employers’ liability and public liability. Premierline understands the licensing compliance side and can quote cover that works for tied tenants under the Pubs Code. I use them for exactly this reason.
• Retail shop owners with staff. Whether you run a corner shop, gift shop, or independent retail, Premierline can quote personal assistant, general liability, and stock cover in one application.
• Tradesmen with apprentices or assistants. If you’re a plumber, electrician, or tradesman who works with an assistant on site, Premierline handles the combined public liability and employers’ liability angle that matters most to your business.
• Home-based business owners with assistants. Running a home business with a personal assistant opens specific insurance gaps—public liability if they visit clients, employers’ liability if they’re your employee, professional indemnity if they handle client work. Premierline quotes all these variants clearly.
• Small business owners tired of broker runaround. If you’ve been bounced between brokers with vague answers about “what’s covered,” Premierline gives you transparent quotes and real answers. No corporate jargon, no hidden terms.
• Anyone comparing insurance prices across multiple providers. Get your free insurance quote now if you want to see what Allianz, Aviva, Hiscox, and Zurich would actually charge you for personal assistant cover.

How to Get Started with Premierline Business Insurance

1. Go to Get your free insurance quote now and create your free account. Takes two minutes and requires only an email address.
2. Answer the business questions about your operation. What does your personal assistant do? How many hours do they work? Do they work from your premises or from home? Be honest here—accurate information gets you accurate quotes.
3. Specify your cover requirements. Tell Premierline whether you need employers’ liability (required if you employ the assistant), public liability (required if they represent your business to clients), or both. They’ll guide you through this on the form.
4. Review your quotes from multiple insurers. You’ll see the premium, excess, cover limits, and inclusions side by side. Take 10 minutes to read the summary before deciding.
5. Purchase online or call an advisor. If you’re happy with one of the quotes, buy it immediately online. If you have questions or need bespoke cover added, ring Premierline’s advisor team and they’ll sort it before you commit.

Frequently Asked Questions About Premierline Business Insurance

Final Verdict: Is Premierline Business Insurance Worth It?

Yes. I’m recommending Premierline for personal assistant insurance UK because they solve the actual problem most people have: they get you multiple real quotes, from real insurers, in under 15 minutes, without pressure or corporate nonsense. As a pub landlord who’s spent years dealing with brokers, that’s worth a lot.

The pros outweigh the cons decisively. Yes, your actual premium depends on your specific business setup (that’s not Premierline’s fault—that’s how insurance works). Yes, you need to provide detailed information (that’s how you get an accurate quote). But in return you get transparency, speed, choice between multiple insurers, and access to advisors who actually understand small business insurance.

For personal assistant cover specifically, Premierline’s strength is in understanding the full scope of liability your business faces. They don’t just sell you public liability. They work out whether you need employers’ liability, professional indemnity, or bespoke cover for your assistant’s specific role. That level of thinking saves you money long-term because you’re not over-insured or under-insured.

My recommendation: Get a business insurance quote today and see what Allianz, Aviva, Hiscox, and Zurich would actually charge you for personal assistant cover. You’ll have a clear answer within 15 minutes. If you have questions after reviewing the quotes, Premierline’s advisors are worth calling—they’ll give you straight answers, not sales tactics.

If you’re building a business where a personal assistant is part of your team—whether you’re a sole trader, pub landlord, or small shop owner—this insurance isn’t optional. Premierline is the fastest, clearest way to get it sorted properly.