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Compare Security Insurance Providers for Self-Employed and Small Security Businesses (2026)

When you’re self-employed or running a small security operation, insurance is critical. It protects you from accidents, property damage, and liability claims — and in some cases, your clients may require it. For a detailed guide, see our Insurance for Security Freelancers post.

Finding the right provider can be confusing. Here’s a comparison of the top insurance providers for UK security professionals going into 2026.

✅ PolicyBee

Best for: Flexible, fully online insurance for freelancers and contractors

Coverage: Public liability, professional indemnity, employer’s liability

Pros:
– Simple online setup
– Pay monthly, cancel anytime
– UK-based support

Cons:
– Slightly higher premiums for high-risk roles

👉 Get a quote and up to 10% off professional indemnity insurance with PolicyBee

✅ Simply Business

Best for: Small limited companies or sole traders with multiple roles

Coverage: Public liability, professional indemnity, business equipment

Pros:
– Easy online comparison and quotes
– Customisable policies

Cons:
– More options can be overwhelming for beginners

👉 Check out Simply Business

✅ Hiscox

Best for: Established security companies looking for tailored coverage

Coverage: Public liability, professional indemnity, cyber, property

Pros:
– Flexible policies for multiple employees or roles
– Excellent claims support

Cons:
– Minimum premium may be higher than other providers

👉 Get a quote from Hiscox

✅ AXA Business Insurance

Best for: Security contractors seeking comprehensive cover

Coverage: Public liability, employer’s liability, personal accident, equipment

Pros:
– Recognised, trusted brand
– Covers multiple risk areas

Cons:
– Less tailored for micro-freelancers

👉 Check AXA Business Insurance

📝 Quick Tips for Choosing an Insurance Provider

  1. Check your role requirements – Door supervisors, CCTV operators, and close protection operatives may have different liability needs.
  2. Compare premiums and coverage – Cheapest isn’t always best; make sure all necessary risks are covered.
  3. Look for UK-based support – Claims and policy changes are easier when the provider is local.
  4. Consider monthly vs annual payment – Monthly plans offer flexibility but may cost slightly more.

When choosing an insurance provider, make sure you understand your obligations and coverage limits. Also, consider your legal protections — see our Contracts and Legal Considerations guide for advice on agreements, subcontracting, and staying protected.

📌 Final Thoughts

Insurance is not optional if you want to work safely and professionally. Compare providers, choose a policy that matches your role and business size, and keep yourself covered.

Remember if PolicyBee is your preferred insurance provider you can claim up to 10% off professional indemnity insurance here


Want More Guidance?

Visit the Self-Employed & Small Business Security Resources UK Homepage


Security Business Resources