Accountants4All × PolicyBee
Business insurance, explained clearly.
Accounts and tax are only part of protecting a business. We have an affiliate relationship with PolicyBee, a specialist business and charity insurance broker, so you can explore cover that matches what you do, where you work and the risks your organisation faces.
Specialist business and charity insurance.
Use the Accountants4All referral page to tell PolicyBee what your business does and explore the cover available for your circumstances.
Visit the Accountants4All PolicyBee page →Start with the risk
Which kind of cover might be relevant?
This is a general guide, not personal insurance advice. PolicyBee will confirm what is available and suitable when you request a quote.
You give advice or professional services
Professional indemnity can respond when a client alleges that your work, advice, mistake or failure to act caused them financial loss.
You treat, care for or work directly with patients
Medical malpractice is designed for treatment-related negligence or malpractice risks in eligible healthcare, therapy and treatment occupations.
Clients or the public visit you — or you visit them
Public liability can cover legal costs and compensation where your business is alleged to have injured someone or damaged their property.
You employ people or use certain helpers
Employers’ liability protects against employee injury or illness claims and is a legal requirement for most UK employers.
You rely on systems, email or customer data
Cyber insurance can help with the financial and practical fallout of cyber-attacks, data breaches and system disruption.
You are a company director or decision-maker
Directors’ & officers’ insurance can protect directors and officers personally when allegations are made about how they managed the organisation.
You own or occupy business premises
Commercial property / office cover can protect business premises against insured damage such as fire, flood or other covered events.
You rely on furniture, IT or specialist equipment
Business contents and portable equipment can help repair or replace business kit that is damaged, lost or stolen, subject to the policy terms.
You sell physical products or hold stock
Stock and product liability cover can help protect stock and respond to claims that a product you supplied caused injury or property damage.
PolicyBee cover guide
The main insurance types available through PolicyBee
PolicyBee offers standalone cover and combinations depending on the business, occupation, insurer and risk. Availability, limits, exclusions and eligibility are confirmed during the quote process.
Professional indemnity
For businesses that provide advice, designs, consultancy or professional services. It can cover legal defence, corrective costs and compensation when negligence, errors, omissions or related professional allegations are made.
Medical malpractice
Specialist protection for eligible healthcare, treatment and therapy activities where a patient or client alleges harm arising from treatment, care or professional malpractice.
Public liability
For accidental injury to third parties or accidental damage to their property arising from business activities, whether at your premises, a client site or elsewhere.
Employers’ liability
For employee work-related injury or illness claims. Most UK businesses with employees must hold employers’ liability insurance; PolicyBee explains that this can also capture some temporary staff, volunteers and other workers.
Cyber insurance
For the costs and disruption following cyber incidents. Depending on the policy, this can include incident response, restoring systems/data, legal support, customer issues, PR support and lost income.
Directors’ & officers’ insurance
Protects company directors and other decision-makers against certain allegations concerning their management of the business, helping with legal defence and covered compensation or liabilities.
Commercial property
Buildings cover for eligible business premises you own. It can pay towards repair or rebuilding after insured events such as fire, flood or accidental damage.
Business contents
Protects the fixed equipment, furniture, fixtures, fittings and other business contents you depend on if they are damaged, lost or stolen under the policy.
Portable equipment
For business equipment you take away from your usual workplace — for example laptops, phones, cameras or specialist portable tools and equipment.
Stock insurance
For eligible businesses holding stock. It can protect stock against covered loss, theft or damage, with options that may extend to stock stored away from the main premises or in transit.
Office insurance
PolicyBee’s office insurance route lets eligible businesses combine commercial property, business contents and portable equipment protection according to what they actually need.
Business legal expenses
PolicyBee also offers or discusses legal expenses protection for business disputes outside professional negligence claims — for example certain employment, contract, debt-recovery, tax or property disputes, depending on the policy.
Product liability
Relevant where a business makes, supplies or sells products. It can respond if a product is alleged to have caused injury or damaged someone else’s property.
Business interruption
Designed to help when an insured event puts your normal premises or operations out of action. Depending on the cover, it can help with lost income and the cost of operating elsewhere.
Equipment breakdown
An additional option for eligible equipment that unexpectedly breaks down rather than being stolen or physically damaged, helping with repair or replacement subject to cover.
Employment practices liability
Available in connection with certain directors’ cover. It can respond to covered employment-related allegations and disputes involving the way staff have been treated.
Trustee indemnity and charity/community cover
PolicyBee has dedicated routes for charities, community groups and clubs, including options such as trustee indemnity, public liability, employers’ liability and cyber cover where relevant.
Online retailer insurance
Tailored routes for online sellers can combine cover such as public/product liability, employers’ liability, stock and business property depending on how and where the business trades.
Not sure what applies?
Let PolicyBee match the cover to your business.
Tell them what you do, how you operate and the risks you need to protect against.
Different businesses, different risks
PolicyBee also tailors cover by business type and occupation.
You do not need to decide which policy names apply before you start. Their site provides dedicated routes for different ways of working and many individual occupations.
Professional & independent businesses
- Contractors
- Consultants
- Freelancers
- Self-employed professionals
- Sole traders
- Limited companies
Premises, retail & mobile businesses
- Home businesses
- Shops and retail
- Online retailers
- Tradespeople
- Businesses with offices/premises
- Businesses with portable equipment or stock
Charities, groups & specialist occupations
- Charities and not-for-profits
- Community groups
- Clubs
- Healthcare/treatment professions
- Accountants, bookkeepers and advisers
- Many other professional and service occupations
How the referral works
You stay in control.
- 1. Read this guideUnderstand the broad types of protection and the risks they address.
- 2. Visit the Accountants4All PolicyBee pageYou leave Accountants4All and deal directly with PolicyBee for the insurance process.
- 3. Tell PolicyBee about your businessThey assess your needs and available products and provide the insurance information/recommendation relevant to you.
- 4. Review the actual policyCheck the quote, insurer, limits, excesses, exclusions and policy wording before buying.
About PolicyBee
PolicyBee specialises in business and charity insurance. PolicyBee Ltd is an insurance intermediary authorised and regulated by the Financial Conduct Authority, FCA firm reference number 945969.
PolicyBee states that it is an advised broker: it assesses a customer’s individual needs and makes a personal recommendation about insurance before arranging cover with insurers it works with.
Explore insurance with PolicyBeeImportant information
Accountants4All is introducing you to PolicyBee — not providing the insurance.
This page is general information only and is not personal insurance advice. Accountants4All does not arrange or underwrite the insurance described here. Insurance advice, recommendations, quotations, policy arrangement and claims support are handled by PolicyBee and the relevant insurer.
The link to PolicyBee is an affiliate/referral link. Accountants4All may receive a referral payment if a visitor introduced through this link goes on to buy insurance.
Insurance availability, insurer, price, level of cover, excesses, exclusions and eligibility depend on your circumstances and can change. Always rely on the current quotation, demands-and-needs assessment, policy wording and terms supplied by PolicyBee/your insurer.
Information reviewed: 24 August 2026. PolicyBee’s current public product information and regulatory details should be checked on its website before purchase.