We’re proposing to transfer insurance business from U K Insurance Limited (UKIL) to Aviva Insurance Limited (AIL), which may affect Churchill customers. Find out more.
Business Insurance
Flexible public liability cover to keep your business protected. Find the right insurance for your business.
Our selection of the most popular questions
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Yes, Contents Insurance is separate from Buildings Insurance because they cover different things.
Buildings Insurance covers the ‘bricks and mortar’ of your property, whereas Contents Insurance covers the things inside, like fridges, freezers, washing machines, and floor coverings.
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Yes, if you already have Buildings Insurance, you can add contents cover to your policy at any time.
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No, Buildings Insurance alone doesn’t cover your contents.
Buildings Insurance covers your property's ‘bricks and mortar’, while things like furniture and floor covering are covered under Contents Insurance.
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Buildings Insurance isn’t a legal requirement, but your mortgage provider will probably want you to have it before you let your property to tenants.
It will also cover you for damage or repairs to the structure of the building.
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Property Owner’s Liability, also known as Public Liability, will protect you if you're found responsible for accidental injury to third parties or damage to their possessions at your rental property.
For example, if someone trips on a loose carpet on the staircase and is seriously injured.
We provide £2 million Public Liability cover as standard.
Depending on the property you’re insuring, you may need to select a larger amount of cover, which might be guided by your contract with your customer.
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Home insurance isn't designed for rental properties.
It’s important to get specialist Landlord Insurance to protect against costly claims.
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With Churchill, you can cover all your properties under one policy.
You can insure up to 10 properties online or up to 25 properties if you contact us.
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As a first step, try to resolve your issue directly with the tenant.
If that doesn’t work, put the complaint in writing and tell them you're considering legal action.
If that doesn’t resolve it, you can evict the tenant under Section 8 or Section 21 of the Housing Act 1988.
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If you're driving in any of the countries listed in your policy booklet, you're covered for 30 days.
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We don’t offer quotes in a company name.
The main driver must be the policyholder, the owner, and the vehicle's registered keeper.
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If you're hit by an uninsured driver and it's not your fault, we'll cover your excess, and your No Claim Discount with us won't be affected. You'll need to give us the other driver's registration number, make, and model. Comprehensive cover required and non-fault claims only.
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Charging cables and your home charger are an accessory to your vehicle, which means they’re covered for accidental damage, fire and theft.
You’re also covered for any accidents involving your charging cables when they're attached to your vehicle, for example, someone tripping over your cable, as long as you’ve taken care to prevent an accident.
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Damage to your vehicle’s battery is covered if it’s damaged due to an insured incident. You’re covered if your battery is owned or leased.
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If your van’s keys are stolen, we’ll pay for replacing the locks, the lock transmitter and the central locking interface.
We’ll also pay to replace the affected parts of the alarm or immobiliser if the person who has stolen your keys knows where you keep your van.
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Landlord Insurance doesn’t cover you if your tenants are living in the property with you, e.g. a lodger. This is covered under our Home Insurance.
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New-for-old contents insurance is a cover that replaces damaged, stolen, or lost items with new products of the same value. Meaning you won’t lose out financially if your item loses its value over time.
This is different to an indemnity policy, where we make a deduction for wear and tear when your claim is settled.
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Yes, our multi-property landlord insurance allows you to cover up to 15 properties on one policy.
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You can cover up to 15 properties on one policy.
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Yes, you can insure a mixture of residential and commercial properties with our multi-property cover.
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Although Business Insurance isn’t a legal requirement, it covers you against a range of risks you may have to deal with yourself if you’re not insured.
For example, compensation claims for injuries or property damage. It also shows potential clients that you’re a reliable, professional tradesman and some larger companies won’t hire you if you’re not covered.
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You do if you employ anyone to work for you, including apprentices, because it’s a legal requirement. If you’re a sole trader and you don’t have anyone working for you, there’s no need to have Employers’ Liability cover.
You can add Employer’s Liability cover to your policy at any time if you do take someone on. Just give us a call, and we’ll get it sorted.
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Legally, you don’t need business insurance, but if you don’t have it and someone makes a claim, you could be faced with a large bill that you can’t afford to pay.
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Business insurance can cover a range of risks no matter what line of work you’re in. Mistakes happen, people get injured, and property gets damaged from time to time.
If you’re not covered, it can be expensive to cover the cost of a claim or replace damaged or stolen equipment.
Most small businesses struggle to cover these costs alone, which is why it’s important to have the right cover in place.
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How much you pay for your business insurance depends on the level of cover you choose. Some businesses need more cover than others, for example if they have employees.
Other factors like your insurance history and the number of add-ons you choose can also affect the price you pay.
With Churchill you can choose the cover that suits your business, so you only pay for what you need.
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No, you can still make a claim for something you haven’t already claimed for as long as it happened during the insurance period and is covered by your policy.
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If you have an ongoing claim, it won’t be affected. Our claims team will help you as normal. You can call them on 0345 878 8195. We’re open between 9am and 5pm Monday to Friday. We’re closed on Bank Holidays.
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You’re still insured until the date your policy ends. Check your policy documents to find out the exact date. After that, you will need to get insurance from another provider.
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You can contact our friends at Direct Line for a tradesperson/professionals insurance quote.
There is also a list of other insurers on the British Insurance Brokers’ Association (BIBA) website www.biba.org.uk/find-insurance/
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If you have any other Churchill policies, such as motor or home insurance, they will continue as normal. Your Tradesperson or Professionals insurance is the only policy affected.
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Before your policy’s renewal date, we’ll contact you to let you know that it’s ending. We’ll write to you, send you an email or get in touch through your online account. We’ll also send you a reminder closer to your renewal date.
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If you want to make any changes to your policy, you can call us on 0345 878 8194. We’re open between 9am and 6pm Monday to Friday. We’re closed on Bank Holidays.
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Yes, it’s your responsibility under the Road Traffic Act to have a valid Certificate of Motor Insurance.
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You can contact our friends at Direct Line for a landlord insurance quote.
There is also a list of other insurers on the British Insurance Brokers’ Association (BIBA) website www.biba.org.uk/find-insurance/
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If you have any other Churchill policies, such as motor or home insurance, they will continue as normal. Your landlord insurance is the only policy affected.
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Please visit our claims page, which explains how you can start a claim
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You can view and download your van insurance policy documents by signing into your Churchill Business account.
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You can renew your van insurance policy online.
If you still need to speak to us about your renewal, you can contact us via our web chat service and get real time support.
Chat service is open:
Monday to Friday
9am to 6pm (excluding bank holidays)
Saturday
9am to 1pm
Sunday:
Closed
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You can cancel your policy via Webchat.
You can cancel your insurance at any time, provided you haven't made a claim. We’ll refund the premium for any unused cover, minus the cancellation fee outlined in the Terms of Business.
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Unfortunately, no. You can only make permanent changes when you renew your policy.
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You can change your vehicle details in your Churchill Business online account.
We’ll halve your admin fee if you make a change to your policy in your online account. If you don't have an account, you can register online.
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You can change any driver on your policy in your Churchill Business online account.
We’ll halve your admin fee if you make a change to your policy in your online account. If you don't have an account, you can register online.
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Yes, we’ll send you this document when your policy ends.
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No, you can still make a claim for something you haven't already claimed for as long as it happened during the insurance period and is covered by your policy.
To register a new landlord claim or to contact us about an existing claim, please visit our landlord claims page.
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If you have an ongoing claim, it won't be affected. Our claims team will help you as normal.
Contact our claims team on:
We're open from 9am to 5pm, Monday to Friday. We're closed on Bank Holidays.
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If you have any other Churchill policies, such as motor or home insurance, they will continue as normal.
Your landlord insurance is the only policy affected.
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You can contact our friends at Direct Line for a landlord insurance quote.
Go to Direct Line landlord insurance.
There is also a list of other insurers on the British Insurance Brokers' Association (BIBA) website.
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No, you can still make a claim for something you haven’t already claimed for as long as it happened
during the insurance period and is covered by your policy.
To register a new Public liability claim, or to contact us about an existing claim, please visit our Public liability claims page.
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If you have an ongoing claim, it won’t be affected. Our claims team will help you as normal. You can
call them on 0345 878 8195. Were open between 9am and 5pm Monday to Friday. We’re closed on Bank Holidays.
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If you have any other Churchill policies, such as motor or home insurance, they will continue as normal.
Your Public liability insurance is the only policy affected.
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You can contact our friends at Direct Line for a Public liability insurance quote.
There is also a list of other insurers on the British Insurance Broker’s Association (BIBA) website:
https://www.biba.org.uk/find-insurance/
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No, you can still make a claim for something you haven’t already claimed for as long as it happened
during the insurance period and is covered by your policy.
To register a new Tradesman claim, or to contact us about an existing claim, please visit our Tradesman claims page.
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If you have an ongoing claim, it won’t be affected. Our claims team will help you as normal. You can
call them on 0345 878 8195. Were open between 9am and 5pm Monday to Friday. We’re closed on Bank Holidays.
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If you have any other Churchill policies, such as motor or home insurance, they will continue as normal.
Your Tradesman insurance is the only policy affected.
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You can contact our friends at Direct Line for a Tradesperson insurance quote.
There is also a list of other insurers on the British Insurance Broker’s Association (BIBA) website: http://www.biba.org.uk/find-insurance/
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No, you can still make a claim for something you haven’t already claimed for as long as it happened
during the insurance period and is covered by your policy.
To register a new Professionals claim, or to contact us about an existing claim, please visit our Professional claims page.
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If you have an ongoing claim, it won’t be affected. Our claims team will help you as normal. You can
call them on 0345 878 8195. Were open between 9am and 5pm Monday to Friday. We’re closed on Bank Holidays.
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If you have any other Churchill policies, such as motor or home insurance, they will continue as normal.
Your Professional insurance is the only policy affected.
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You can contact our friends at Direct Line for a Professionals insurance quote.
There is also a list of other insurers on the British Insurance Broker’s Association (BIBA) website: http://www.biba.org.uk/find-insurance/
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Public liability insurance
Our Public Liability Insurance covers tradespeople and other self-employed professionals against compensation claims from members of the public.
Landlord Insurance
If you’re a commercial or residential landlord, make sure you have the specialist cover you need for your portfolio. Insure your buildings and contents, and up to 25 properties.
Van Insurance
Van Insurance covers you if you use your van or pick-up for work. For example, to carry your goods, tools, or equipment to different locations during your working day.
Reasons to rely on Churchill for Business Insurance
- £1 million public liability cover as standard – with options to increase it to £10 million
- Access to our free 24/7 legal helpline
- A range of optional extras so you can tailor your insurance to suit your business
- Tools cover for tradespeople up to £10,000 per person
- Protect your staff with our Employers' Liability Insurance
- Personal accident cover for named people in your business
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Tradesperson Insurance
Protection for your business if you or an employee accidentally injures a member of the public or damages their property. Get £1 million of cover as standard.
Professionals Insurance
Protect yourself from unexpected losses like damaged or stolen equipment or legal action from a client if you make a mistake. Tailor your cover to suit the type of work you do.
Find the right insurance for your business
Public Liability Insurance
Our Public Liability Insurance covers tradespeople and other self-employed professionals against compensation claims from members of the public.
Landlord Insurance
If you’re a commercial or residential landlord, make sure you have the specialist cover you need for your portfolio. Insure your buildings and contents, and up to 25 properties.
Van Insurance
Van Insurance covers you if you use your van or pick-up for work. For example, to carry your goods, tools, or equipment to different locations during your working day.
Tradesperson Insurance
Protection for your business if you or an employee accidentally injures a member of the public or damages their property. Get £1 million of cover as standard.
Professionals Insurance
Protect yourself from unexpected losses like damaged or stolen equipment or legal action from a client if you make a mistake. Tailor your cover to suit the type of work you do.