Which? Business Insurance Quotes
Frequently asked questions
Business insurance is a group of protection products designed to shield employees and employers from the financial impact of a key person’s sickness, critical illness or death. You’d likely want to talk to us if you’re one of the following:
- Sole trader
- Limited company
- Partnership
- Limited Liability Partnership (LLP)
If you’re an employer, or represent one, you’ll immediately see the benefits for employees and their loved ones: it’s peace-of-mind. If something terrible happens they’ll be OK financially.
But this is for employers, too. There’s tax relief available when you protect your people, and there’s extra value in areas like recruitment, retention, performance and loyalty when you boost your benefits package and show your team you care.
Key person insurance pays funds to ensure continuity if you’re down a key performer. The funds can cover recruitment, training and overtime and can even reimburse the value of any lost contracts / profits that result from a key person’s absence.
This is when a business offers death-in-service benefits to its employees. If the worst should happen to an employee, this can pay out a multiple of their salary on death, helping to alleviate the financial burden for loved ones left behind.
We strictly adhere to the General Data Protection Regulation and will only use your personal information for the purposes of helping with your query. As an advice-based broker, by submitting your details with your phone number and email, we may attempt to call, text or email you in order to service your query for Life Insurance, Income Protection Insurance, Critical Illness Insurance, Private Health Insurance and other products. For more information, please read our Privacy Notice & Cookies.
Frequently asked questions
Business insurance is a group of protection products designed to shield employees and employers from the financial impact of a key person’s sickness, critical illness or death. You’d likely want to talk to us if you’re one of the following:
- Sole trader
- Limited company
- Partnership
- Limited Liability Partnership (LLP)
If you’re an employer, or represent one, you’ll immediately see the benefits for employees and their loved ones: it’s peace-of-mind. If something terrible happens they’ll be OK financially.
But this is for employers, too. There’s tax relief available when you protect your people, and there’s extra value in areas like recruitment, retention, performance and loyalty when you boost your benefits package and show your team you care.
Key person insurance pays funds to ensure continuity if you’re down a key performer. The funds can cover recruitment, training and overtime and can even reimburse the value of any lost contracts / profits that result from a key person’s absence.
This is when a business offers death-in-service benefits to its employees. If the worst should happen to an employee, this can pay out a multiple of their salary on death, helping to alleviate the financial burden for loved ones left behind.
LifeSearch offer a fee-free service to you
You pay nothing for our service, whether you arrange cover or not.
How LifeSearch are paid
LifeSearch is an insurance intermediary that acts for its customers in conjunction with the insurers. We provide a service which enables you to compare a number of prices for products and services and make a decision based on those comparisons. There is no charge for this service but we do earn a commission from the insurers offering these products & services.
LifeSearch is committed to finding you the right business insurance policy for your circumstances and our advisers do not recommend policies based on fees from insurers, so you can be confident that your needs are at the heart of the service.
What relationship does Which? Limited have with LifeSearch
If you decide to go ahead with LifeSearch, Which? will receive a commission to help fund their not-for-profit mission and their campaigns work as a champion for the UK consumer.
LifeSearch compare quotes from a range of major UK insurers. Advice offered is fee-free and all quotes given are without obligation.
*Terms and Conditions
- Offer is open to current Which? subscribers with Full Access, Digital, Magazine, Tech Support, Money, Gardening or Travel membership. Excluding LifeSearch employees, their immediate relatives and any 3rd parties involved in promoting the offer - unless they are Which? subscribers.
- You must complete the screening questionnaire within the date range of the promotion, 14/05/25 – 18/06/25 inclusive and be accepted as a policy holder with an insurance provider found via LifeSearch.
- Your insurance policy must be in place at least 90 days.
- You’ll receive an electronic gift card from Which? after we get confirmation from LifeSearch that you have completed the insurance provider’s onboarding and validation process. This may take up to a further 45 days after you have held the policy for the minimum period of 90 days.
- You must provide a valid email address linked to your Which? membership to receive the electronic gift card.
- The offer is open from 14 May 2025 until 18 June 2025 inclusive.
- Gift card must be redeemed within 24 months of being issued or last use.
- Gift card is only redeemable against the first insurance policy purchased via LifeSearch. If you decide to purchase multiple insurance policies, you will only be eligible to receive one gift card.
- Which? reserves the right to withdraw or amend this offer at any time.
- Except for liabilities that cannot be excluded by law, Which? accepts no responsibility for any damage, loss, liabilities or disappointment incurred or suffered by you as a result of entering the promotion.
- Your gift card cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account.
- Which? is not responsible if your gift card is lost, remains unused after expiry, stolen, destroyed or used without permission.