Business insurance · United Kingdom
AXA Business UK
AXA's UK business insurance for tradespeople, bought online: pick the covers you need, from £7 a month
Market position
AXA Insurance UK plc, part of the AXA group, sells business insurance to UK tradespeople through an online quote. You choose from public liability (£1 million to £10 million depending on occupation), employers' liability, professional indemnity and business contents, with add-ons such as tools, hired-in plant, contract works, business interruption, legal expenses and cyber. AXA says it protects over 867,000 businesses.
United Kingdom-specific note
AXA notes that employers' liability is a legal requirement if you have any staff; it is one of the covers you select, with a £10 million limit. AXA Insurance UK plc is authorised by the PRA and regulated by the FCA and PRA (firm reference 202312).
Pros
- + Choose only the covers you need
- + Business insurance from £7 a month, by AXA's own figure
- + Trade add-ons including tools, hired-in plant, contract works and legal expenses
- + AXA says it protects over 867,000 businesses
Cons
- − AXA's £7 figure is what 10% of its customers paid or less in April-June 2026
- − Public liability limits depend on your occupation
- − No per-trade prices published; your premium comes from a quote
Typical United Kingdom pricing
From £7 a month for business insurance; AXA says 10% of its customers paid this or less between April and June 2026. Your premium depends on trade, location, covers, limits, contents value and number of staff
Why this matters for United Kingdom trades
Gas Safe Register is the register approved by HSE: a business must be on it to legally do gas work within the scope of the Gas Safety (Installation and Use) Regulations 1998, and HSE prosecutes unregistered gas fitters. For electrical work in dwellings, NICEIC (Certsure) is one of several authorised competent person schemes, alongside BESCA, Blue Flame Certification, NAPIT and OFTEC, that let installers self-certify instead of getting building regulations approval, and OFTEC is one of six schemes authorised for oil appliances. The payroll tools listed here are on HMRC’s list of recognised payroll software, while CIS returns may need an add-on or a separate product; insurers such as Hiscox and AXA note that employers’ liability insurance is a legal requirement once you employ staff.
UK trades vendor selection is shaped by the Gas Safe Register for gas work, competent person schemes such as NICEIC and OFTEC that let installers self-certify building work, payroll duties (HMRC RTI reporting, workplace pension auto enrolment and, in construction, CIS returns), VAT, and lead services such as Checkatrade, MyBuilder and TrustATrader.
Frequently asked
Is AXA Business UK a good fit for United Kingdom trades?
AXA Insurance UK plc, part of the AXA group, sells business insurance to UK tradespeople through an online quote. You choose from public liability (£1 million to £10 million depending on occupation), employers' liability, professional indemnity and business contents, with add-ons such as tools, hired-in plant, contract works, business interruption, legal expenses and cyber. AXA says it protects over 867,000 businesses. AXA notes that employers' liability is a legal requirement if you have any staff; it is one of the covers you select, with a £10 million limit. AXA Insurance UK plc is authorised by the PRA and regulated by the FCA and PRA (firm reference 202312).
What does AXA Business UK cost in United Kingdom?
From £7 a month for business insurance; AXA says 10% of its customers paid this or less between April and June 2026. Your premium depends on trade, location, covers, limits, contents value and number of staff. Pricing and availability can change by region; confirm current United Kingdom pricing on the vendor's site before committing.