Churchill business insurance review | Pros, cons & cover

Churchill business insurance review

Read our Churchill business insurance review to see what's included, how much it might cost and whether it's right for your business.

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Protect your business with a pay as you go monthly subscription

  • Get covered in less than 10 minutes
  • Adapt or cancel your policy at any time. No penalties
  • Cover starts from just £5.13 per month

What is Churchill?

Churchill is a leading UK insurance company. Known for its British bulldog mascot, it was set up in 1989 to sell car insurance. Since then, it has grown to cover most insurance sectors, including home, travel, pet, business and van insurance as well as breakdown cover.

What company underwrites business insurance from Churchill?

Churchill’s insurance policies are underwritten by UK Insurance Limited, which is based in Leeds. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

What types of business insurance policies are available?

Churchill offers business policies for professionals and small businesses, including consultants, beauticians, hairdressers and tradesmen.

Cover will vary according to the needs of your business, but the main policy elements on offer from Churchill business insurance include the following:

  • Public liability insurance. Whether you have your own premises or not, public liability cover protects you in case a member of the public is injured or their property is damaged and your business is legally liable.
  • Employers’ liability insurance. If you employ staff, you are legally required to take out employers’ liability insurance to protect your employees as well as yourself in case of legal action.
  • Business equipment and stock cover. If any business equipment or stock is damaged or stolen, this insurance will cover you for the cost of repair or replacement.
  • Personal accident insurance. This covers you if you or any of your staff have an accident.

What does Churchill business insurance cover?

Churchill offers different combinations depending on your needs, so your exact spec will be personal to you. Here’s what’s on offer for Churchill’s main business insurance components:

Public liability insurance:

  • Up to £1 million protection cover as standard and up to £10 million on request
  • Cover for damage to property, either belonging to a customer or a member of the public
  • Cover for employees (in case one causes damage to property at an off-site meeting)
  • Access to a 24-hour legal hotline and your own personal claims handler

Business equipment and stock cover:

  • Business equipment (including mobile phones and laptops) cover of up to £10,000 per person
  • Business stock cover of up to £5,000

Employers’ liability insurance:

  • Up to £10 million cover for legal costs, compensation and expenses

Personal accident insurance:

  • Insure named people in the business (aged 16-75) against personal accidents
  • Option to add death benefit up to £10,000
  • Confidential telephone service for employees and their immediate family

How much cover do I need?

What type of business insurance and how much cover you need will depend on what you do. Here are a few things to consider:

  • How many employees do you have?
  • Do you deal with members of the public?
  • Do you have dedicated business premises? Do you own or rent these?
  • How much equipment and tools do you have and how expensive are they?
  • Do you use or sell products?
  • Do you own or lease vehicles (including vans)?
  • Do you work in public spaces?
  • Do you store stock?
  • Do you provide financial advice?

How much does business cover from Churchill cost?

The cost of insurance is an individual thing and depends on a number of personal factors. For business insurance, things like the industry, size and nature of your business all affect your premiums. The type and level of cover you take out will also make a big difference to the price of your policy.

What is the claims process for Churchill business insurance?

First off, you need to call Churchill’s dedicated claims team on 0345 878 8195 (lines are open Monday to Friday 9am-5pm). Make sure you have the following information to hand.

Claim for your own loss:

  • Your full name
  • Name and address of your business
  • Your email address and phone number
  • Your policy number
  • Circumstances of the claim

Claims against you:

  • Your full name
  • Name and address of your business
  • Your email address and phone number
  • Your policy number
  • Name of the person making a claim against you and their contact details if you have them
  • Description of the incident
  • Whether the person making a claim against you has appointed a solicitor
  • Supporting documentation such as photos, invoices, contracts, correspondence etc.
  • Details of your solicitor if you have appointed one

Churchill may need to see evidence supporting any claims, so make sure you keep detailed records of accidents, risk assessments and equipment purchases.

Churchill business insurance customer reviews

Online reviews are for Churchill as a company.

On customer review platform Trustpilot, Churchill as a company has an “Excellent” rating of 4.4 out of 5 stars, based on more than 4,100 reviews. On Reviews.io, Churchill has 3.8 out of 5 stars, based on more than 1,000 reviews.

Customers love the good service, low premiums and comprehensive products, but a few complained about renewals and admin issues.

Pros and cons for Churchill business insurance

Pros

  • Simple claims process
  • Positive customer reviews
  • 24-hour legal hotline as part of public indemnity cover

Cons

  • Not the largest range of cover and industry options
  • Claims line only available 9am-5pm on weekdays
  • No email address or live chat for quick contact

Verdict

Churchill is a big, trusted name in insurance and offers a range of industry-specific policies. The cover is comprehensive and making a claim is a simple process – as long as you’re happy only being able to contact Churchill on weekdays.

Frequently asked questions

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