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
- Expert claims advocates arguing strongly on your behalf
- 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
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.
Meet our dedicated SME risk team
Marc Rowson
Partner - Solicitors
marc.rowson@lockton.com
+44 207 933 2034
Gary Chambers
Vertical Lead - Recruitment
gary.chambers@lockton.com
+44 7721 198234
Ian Saxelby
SVP - Accountants
ian.saxelby@lockton.com
+44 11 7906 5033
David Isherwood
SVP - Architects & Engineers
david.isherwood@lockton.com
+44 20 7933 2195
Paul Afteni
SVP - IFAs
Paul.Afteni@lockton.com
+44 20 7933 1498
Charlotte Bolton
VP - MGAs
charlotte.bolton@lockton.com
+44 207 933 1832
Get in touch
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How to get covered in 6 simple steps
Fill out our online quote request form
Complete our quick, no-obligation contact form.
Fill in our form and speak to our team of experts
Speak directly to a specialist who understands your needs.
We’ll get in touch
One of our advisors will contact you to learn about your business.
Tell us about your business
We’ll ask a few key questions to ensure your cover is fit for purpose.
Receive your tailored quote
Get a competitive, personalised quote from our trusted insurers.
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:
Cover your practice against claims of negligence, client disputes, data breaches, and regulatory investigations. Professional indemnity, cyber, and D&O cover are essential.
SME Business Insurance FAQs
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.
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