We understand the complex risks that small and medium-sized businesses face today. From cyber threats and legal liability to employee wellbeing and office protection, Lockton delivers insurance solutions that go beyond the basics. With a focus on protecting your reputation, people and operations, our expert teams build robust, scalable protection plans tailored to your business.
Protect What Matters Most
Comprehensive Business Insurance for SMEs
Tailored coverage from the world's largest independent insurance brokerage
With Lockton, you get much more than just an insurance policy.
Bespoke insurance solutions for firms of all sizes
Full claims support and expert advocacy
One main point of contact ready to support you whenever you need us
Specialist advice tailored to the world you work in
Insights and updates on risk trends and insurance best practices
Essential protection for your growing business
We understand the complex risks that small and medium-sized businesses face today. From cyber threats and legal liability to employee wellbeing and office protection, Lockton delivers insurance solutions that go beyond the basics. With a focus on protecting your reputation, people and operations, our expert teams build robust, scalable protection plans tailored to your business.
Explore our SME insurance solutions
Office Insurance
Protects your physical premises, contents, and operations against fire, theft, damage and business interruption. Flexible packages to meet the unique needs of SMEs.
Employee Benefits & People Solutions
Boost recruitment, retention and wellbeing with tailored employee benefits including healthcare, pensions, and mental health support - delivered through strategic HR advice.
Professional Indemnity Insurance
Covers legal costs and damages if your business is accused of negligence, error or omission in the services you provide. Essential for professionals offering advice, consultancy or technical expertise.
Cyber Liability Insurance
Protection against the rising threat of data breaches, ransomware and network failures. Includes incident response, data recovery, legal liability and business interruption coverage.
Directors & Officers (D&O) Insurance
Protects your senior leadership from personal liability claims relating to decisions made during business operations. Covers legal costs, settlements and investigations.
Employment Practices Liability (EPL) Insurance
Covers claims related to workplace issues like wrongful dismissal, discrimination, or harassment. Helps you protect your business and reputation during sensitive disputes.
Office Insurance
Protects your physical premises, contents, and operations against fire, theft, damage and business interruption. Flexible packages to meet the unique needs of SMEs.
Employee Benefits & People Solutions
Boost recruitment, retention and wellbeing with tailored employee benefits including healthcare, pensions, and mental health support - delivered through strategic HR advice.
Professional Indemnity Insurance
Covers legal costs and damages if your business is accused of negligence, error or omission in the services you provide. Essential for professionals offering advice, consultancy or technical expertise.
Cyber Liability Insurance
Protection against the rising threat of data breaches, ransomware and network failures. Includes incident response, data recovery, legal liability and business interruption coverage.
Directors & Officers (D&O) Insurance
Protects your senior leadership from personal liability claims relating to decisions made during business operations. Covers legal costs, settlements and investigations.
Employment Practices Liability (EPL) Insurance
Covers claims related to workplace issues like wrongful dismissal, discrimination, or harassment. Helps you protect your business and reputation during sensitive disputes.
Office Insurance
Protects your physical premises, contents, and operations against fire, theft, damage and business interruption. Flexible packages to meet the unique needs of SMEs.
Employee Benefits & People Solutions
Boost recruitment, retention and wellbeing with tailored employee benefits including healthcare, pensions, and mental health support - delivered through strategic HR advice.
Speak directly to a specialist who understands your needs.
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We’ll get in touch
One of our advisors will contact you to learn about your business.
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Tell us about your business
We’ll ask a few key questions to ensure your cover is fit for purpose.
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Receive your tailored quote
Get a competitive, personalised quote from our trusted insurers.
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Secure your cover
Confirm your protection and operate with confidence.
Who needs SME Business Risk Insurance?
Whether you're providing professional advice, managing sensitive data, employing a growing team, or running a physical office space - your business faces unique risks. Our insurance solutions are designed to protect SMEs across a range of industries:
Managing General Agents (MGAs)
Protect your operations from underwriting liability, data loss, and reputational damage. D&O, cyber, and business interruption cover provide a solid risk foundation.
Independent Financial Advisors (IFAs)
Get comprehensive protection against claims of poor advice, fraud, and client data breaches with professional indemnity, cyber, and D&O insurance.
Solicitors
Cover your practice against claims of negligence, client disputes, data breaches, and regulatory investigations. Professional indemnity, cyber, and D&O cover are essential.
Accountants
Safeguard against errors in financial reporting, client data loss, and tax advice disputes with PI insurance, cyber liability, and EPL cover tailored to financial professionals.
Recruitment Agencies
Mitigate the risks of misplacement claims, data handling errors, and employment disputes with a combination of PI, cyber, and EPL insurance.
Architects & Engineers
Protect against professional liability, intellectual property disputes, and project delays. Professional indemnity and office insurance provide critical business continuity support.
Surveyors
Ensure business continuity with insurance that covers data integrity, equipment protection, and liability for errors in reporting or valuation.
Insurance Brokers
Secure cover against regulatory breaches, professional errors, and cyber threats. Tailored PI and cyber insurance policies support client trust and compliance.
Managing General Agents (MGAs)
Protect your operations from underwriting liability, data loss, and reputational damage. D&O, cyber, and business interruption cover provide a solid risk foundation.
Independent Financial Advisors (IFAs)
Get comprehensive protection against claims of poor advice, fraud, and client data breaches with professional indemnity, cyber, and D&O insurance.
Solicitors
Cover your practice against claims of negligence, client disputes, data breaches, and regulatory investigations. Professional indemnity, cyber, and D&O cover are essential.
Accountants
Safeguard against errors in financial reporting, client data loss, and tax advice disputes with PI insurance, cyber liability, and EPL cover tailored to financial professionals.
Recruitment Agencies
Mitigate the risks of misplacement claims, data handling errors, and employment disputes with a combination of PI, cyber, and EPL insurance.
Architects & Engineers
Protect against professional liability, intellectual property disputes, and project delays. Professional indemnity and office insurance provide critical business continuity support.
Surveyors
Ensure business continuity with insurance that covers data integrity, equipment protection, and liability for errors in reporting or valuation.
Insurance Brokers
Secure cover against regulatory breaches, professional errors, and cyber threats. Tailored PI and cyber insurance policies support client trust and compliance.
Managing General Agents (MGAs)
Protect your operations from underwriting liability, data loss, and reputational damage. D&O, cyber, and business interruption cover provide a solid risk foundation.
Independent Financial Advisors (IFAs)
Get comprehensive protection against claims of poor advice, fraud, and client data breaches with professional indemnity, cyber, and D&O insurance.
SME Business Insurance FAQs
What types of insurance does my SME really need?
The right insurance mix depends on your business activities, size, and risks. Most SMEs benefit from Professional Indemnity Insurance, Cyber Liability, Directors and Officers Insurance, Office Insurance, and Employment Practices Liability. Our advisers will guide you based on your unique risk profile.
How does Professional Indemnity Insurance protect my business?
Professional Indemnity Insurance (PII) covers legal costs and compensation claims if a client alleges you’ve made a mistake or provided negligent advice. It’s essential for firms offering consultancy, design, financial, or technical services.
Why should I consider Cyber Insurance if I'm a small business?
Even small firms are prime targets for cybercrime. Cyber Insurance protects your business against the financial and reputational impact of data breaches, ransomware attacks, and system failures, offering support from breach response through to recovery.
What’s the difference between Employers' Liability and Employment Practices Liability Insurance?
Employers’ Liability is a legal requirement in the UK and covers injury or illness claims from employees. Employment Practices Liability covers claims related to discrimination, harassment, unfair dismissal and other workplace issues not typically covered by standard liability policies.
Is D&O Insurance necessary for private companies and SMEs?
Yes. Directors and Officers (D&O) Insurance protects your senior decision-makers from personal liability linked to business decisions, regulatory investigations, or shareholder actions. It’s important protection even for privately owned or family-run businesses.
What does Office Insurance include?
Office Insurance packages typically cover property damage, theft, contents, equipment, and business interruption. It's essential cover whether you lease space, own your building, or work from a serviced office.
How can Employee Benefits insurance support my team and my business?
Well-designed employee benefits – including private healthcare, income protection, and pensions – help attract and retain top talent, improve wellbeing, and reduce absenteeism. Our team can tailor a package that fits your budget and goals.
How much does SME insurance cost?
Costs vary based on your sector, turnover, headcount, claims history, and cover required. We work with top insurers to provide competitive quotes that reflect your real risks — without unnecessary extras.
Do I need multiple insurance policies or one combined policy?
We’ll work with you to assess whether a combined policy or standalone covers are more appropriate. Either way, our goal is to ensure you’re comprehensively protected, with no gaps or overlaps.
Why choose Lockton for SME insurance?
As the world’s largest independent insurance broker, we offer unbiased advice, tailored protection, and personal service. We’re not tied to any insurer – our only priority is securing the best outcome for your business.
Let’s protect your business together.
Contact our team today to start your SME business risk insurance journey.