Business Insurance Cost Estimator UK — SmartPubTools
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
1
Business type
What do you run?
2
Your details
Size & location
3
Cover needed
What to include
4
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.
Full-time, part-time, and casual staff all count
£
Higher turnover = higher premium for most cover types
Previous claims increase your premium significantly
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.
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.
As a Marston’s CRP licensee I compared quotes and Premierline came out cheaper than going direct to an insurer. They specialise in pub and hospitality cover and the process took minutes.
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