Ethical Business Insurance
Comprehensive commercial insurance for small and medium enterprises committed to positive impact
- Fill out the short form to the right to register your organisations interest in switching to a more ethical insurance.
- Put your insurance spend to use, leading the drive to cut off funding for harmful industries.
- Contribute to nature and community positive programs at no extra cost.
- Participate in collaborative efforts to advance sustainability goals.
Why Choose Planet Protection?
We get it. You need robust protection, but you also demand integrity. Here’s why businesses like yours are choosing Planet Protection:
- Values-Aligned Protection: Your business stands for something more than profit. So do we. As an ethics first business insurance broker, we ensure your insurance pounds support positive change, not fossil fuels or controversial weapons.
- Tailored Coverage for Modern Businesses: Whether you're a tech startup, sustainable manufacturer, or impact-driven service provider, we understand the unique risks facing today's conscientious SMEs.
- Competitive Pricing, Superior Ethics: Get comprehensive coverage at competitive rates, without compromising your values. Our pricing often matches or beats traditional providers.
Comprehensive Insurance for your Business
Every business is unique, from tech startups working from shared offices to manufacturers with complex supply chains, retail businesses with physical premises, and service companies operating across multiple locations. We build your insurance package by combining only the coverage you actually need, ensuring comprehensive protection without paying for irrelevant extras.
Our modular approach recognises that a sustainable fashion brand needs different coverage than a software consultancy, and a local café faces different risks than a renewable energy installer.
Essential Business Protection
Professional Indemnity
Critical for any business providing advice, design, or professional services. Covers claims alleging negligent acts, errors, or omissions in your professional work. Essential for consultants, designers, IT professionals, and anyone whose expertise forms part of their service offering.
Buildings and Contents Insurance
Protects your physical assets, from your premises and fixtures to stock, equipment, and furniture. Covers damage from fire, flood, theft, and vandalism. For SMEs, this often includes specialist equipment, computers, and stock that are essential to daily operations.
Business Interruption Cover
Replaces lost income and covers ongoing expenses if your business can’t operate due to an insured incident. For SMEs, this is often the difference between surviving a setback and going under, covering everything from rent and salaries to lost profits during recovery.
Specialist Business Covers
Cyber Insurance and Data Protection
Increasingly essential in our digital world. Covers costs from cyber attacks, data breaches, and GDPR fines. Includes business interruption from system downtime, costs to restore data, and legal expenses. Critical for any business holding customer data or dependent on digital systems.
Directors' and Officers' Insurance
Protects company directors and senior managers against personal liability for decisions made in their professional capacity. Covers legal costs and compensation for claims alleging wrongful acts, mismanagement, or breach of duty. Essential as businesses grow and take on more stakeholders.
Key Person Insurance
Covers the financial impact if a crucial person in your business dies or becomes seriously ill. For SMEs, this might be the founder, lead developer, or key sales person whose absence would significantly impact revenue or operations.
Product Recall Insurance
Covers the costs of recalling defective products, including notification costs, disposal, replacement, and lost profits. Particularly relevant for manufacturers, food businesses, and any company selling physical products.
Environmental Liability
Covers costs from environmental damage caused by your business operations. Increasingly important as environmental regulations tighten and stakeholder expectations rise. Essential for manufacturing, construction, and any business with potential environmental impact.
Equipment and Stock Cover
Specialised cover for business equipment, machinery, and stock that goes beyond standard contents insurance. Can include breakdown cover, spoilage for food businesses, and specialist equipment like IT hardware or manufacturing machinery.
Additional Protection
Money and Personal Assault
Protects against theft of cash, cheques, and other valuables, plus compensation if employees are assaulted during a robbery. Important for retail businesses, cafés, or any business handling significant cash.
Glass and Signs
Covers accidental damage to windows, glass doors, and external signage. For retail businesses and those with street-facing premises, this prevents unexpected repair costs that could impact cash flow.
Legal Expenses
Covers legal costs for employment disputes, contract disagreements, property disputes, and prosecution defence. For SMEs, legal costs can be prohibitive, this ensures you can defend your position without risking the business.
Contract Works (for construction)
Specialist cover for construction and renovation projects, protecting the work in progress, materials on site, and existing structures. Essential for construction SMEs and businesses undertaking significant building work.
Ready to Make the Switch?
Business Types We Cover
Professional Services
- Consultancies and advisory firms
- Architects and design professionals
- IT consultants and software developers
- Marketing and creative agencies
- Training and education providers
- Management consultants
Manufacturing & Production
- Sustainable product manufacturers
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Food and beverage
producers - Textiles and fashion (ethical brands)
- Electronic goods and components
- Craft and artisan producers
- Packaging and printing
Retail & Hospitality
- Independent retailers
- Cafés and restaurants
- Specialty food shops
- Beauty and wellness businesses
- Hotels and guest houses
- Event venues
Technology & Innovation
- Software companies
- E-commerce businesses
- Renewable energy installers
- Clean technology developers
- Digital agencies
- App and platform developers
Service Industries
- Maintenance and repair services
- Cleaning and facilities management
- Transportation and logistics
- Property services
- Health and wellness providers
- Creative and media services
Construction & Trades
- General builders and contractors
- Specialist trades (electrical, plumbing, carpentry)
- Renewable energy installers
- Sustainable construction
- Property renovation specialists
- Landscaping and environmental services
If your industry isn't listed there's still a good chance we can help
The Time to Act is Now.
Most businesses review their insurance annually, often with the rhythm of the financial year. The sweet spot for exploring your options? About 2-3 months before your renewal date.
Join the Movement Today
Ready to Protect Your Purpose?
- 020 3856 8174
- hello@planetprotection.co.uk
- Book a consultation here
faqs
Straight Answers, No Jargon.
What makes Planet Protection different from traditional business insurers?
We’re the UK’s first insurance company prioritising ethics across the board, which means your insurance premiums are invested responsibly, in renewable energy and sustainable development, not fossil fuels or controversial weapons. We also allocate a % of our revenue to UN Sustainable Development Goal projects, so every policy creates positive impact. You get comprehensive, competitively-priced insurance while ensuring your money aligns with your values.
How does your coverage stack up against traditional insurers?
Our coverage is comprehensive and specifically designed for the complexities of Charities, Community Groups and Social Enterprises. You get all the standard protections, plus transparent impact reporting and the assurance that your money isn’t funding unethical industries.
How do you ensure competitive pricing while maintaining ethical standards?
Our research shows that values-driven businesses actually represent lower insurance risks—they typically have better governance, stronger safety cultures, and more robust risk management. This allows us to offer competitive pricing while working only with ethically-aligned insurance capacity. Many clients find our quotes match or beat their existing premiums.
What types of businesses do you cover?
We cover a comprehensive range of SME sectors including professional services, sustainable manufacturing, retail and hospitality, technology companies, construction trades, and service industries. We’re particularly experienced with B-Corps, social enterprises, and businesses with strong environmental, social, and governance (ESG) commitments.
Do you cover startups and newer businesses?
Yes, we work with businesses at all stages, from early-stage startups to established SMEs. Our underwriters understand that newer businesses may have limited claims history but strong values and risk management practices. We assess each business individually rather than relying solely on trading history.
Can you match the coverage I have with my current insurer?
Absolutely. We review your existing coverage in detail and ensure our package meets or exceeds your current protection. Our modular approach means we can tailor coverage to your specific needs, often providing better protection at a competitive price.
How does your claims process work?
We provide direct access to our specialist claims team with a commitment to fair, fast resolution. For smaller claims, we aim for same-day processing. Our claims philosophy focuses on getting your business back to normal operation as quickly as possible, with regular updates throughout the process.
Do you offer multi-year deals or rate guarantees?
Yes, we can arrange multi-year agreements and rate stability deals for established businesses. This provides budget certainty and recognises long-term partnerships with clients who share our values. Terms depend on your business profile and claims experience.
How quickly can I get a quote?
Our quoting system provides indicative pricing in minutes for many business types. For more complex risks or bespoke coverage, our underwriters can typically provide detailed quotes within 24-48 hours. We prioritise speed without compromising on thorough risk assessment.
How do you verify that your insurance capacity providers meet ethical standards?
We conduct thorough due diligence on all capacity providers using our proprietary ESG assessment framework. We regularly review their investment portfolios, underwriting policies, and corporate practices to ensure continued alignment with our ethical standards. This information is available to clients through our transparency reports.
What if my business doesn't fit standard categories?
SMEs often have unique business models or combine multiple activities. Our underwriters specialise in understanding non-standard risks and can create bespoke coverage. We’re particularly experienced with innovative business models in the sustainability and social impact sectors.
