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SME Insurance

As we know that one size doesn’t fit all, we actively work with brokers in the SME sector to create innovative solutions that fit the precise needs of SMEs.

We offer a comprehensive suite of commercial and motor insurance products for small and medium-sized enterprises (SMEs).

A flexible approach

We understand that no two customers have identical needs. So we’re never afraid to think creatively and take a different approach to the challenges – or opportunities – you may face. You’ll deal direct with empowered decision-makers who aim to accommodate the vast majority of risks that they see.

Speed and convenience

Our e-trading capabilities make it easy, fast and efficient to do business with us. Through our dedicated SME e-trade centre in Stafford, we offer products across a range of platforms. These include our easy-to-use QBE FastFlow broker portal, Acturis, Applied, Open GI and SSP.

At your service

When it comes to customer service, we believe that what sets us apart is our people and our proactive approach. As our underwriters are empowered to make decisions, we are able to provide a prompt, effective service. We really listen to our brokers, responding with improvements to services and products in line with your needs.

Partner arrangements

QBE partner arrangements involve us working closely with brokers to understand each other’s business needs and implementing a tailor-made product offering, which you then manage with a degree of delegated authority. Please email or fill in our enquiry form for more information.

Here when you need us

It’s only when you make a claim that you really discover the value your insurer delivers. At QBE, we provide an efficient and effective claims service that allows us to assess and pay valid claims promptly. To make a claim, please follow the claim notification instructions in your policy.

The cover you need

We offer a wide range of insurance products for SMEs. View our at a glance table or find out more below:

QBE Business Combined is a flexible, modular product that can be fully customised to your precise needs. As well as core contents cover, we offer optional covers including business interruption extensions, Employers’ Liability and Public and Product Liability. A major benefit is the ability to accommodate Property covers in isolation – for example, for contractors’ premises.

This product is particularly suited to the manufacturing, engineering, wholesale and supply industries, but it can also meet the requirements of the vast majority of SME businesses.

Download our Business Combined: SME product sheet (PDF 528Kb)

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QBE Professional Combined offers a wide range of optional covers, such as Directors’ and Officers’ Liability and Cyber Liability, built around a core Professional Liability product. Standalone Professional Indemnity (PI) cover is also available, along with fully retroactive cover.

PI is a real area of strength for QBE and we offer some of the broadest cover currently available, with different policy wordings tailored to the needs of different professions.

As the official insurance partner of the Rugby Football Union (RFU), we have also developed a PI policy specifically for RFU Registered Agents

Download our Professional Combined: SME product sheet (PDF 541KB)
Download 10 things to know about Professional Indemnity insurance (PDF 361kB)
Download our What is Professional Indemnity insurance factsheet (PDF 329 KB)

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QBE Contractors Combined is a flexible wages and turnover product, built from the ground up around contractors’ specific needs. It covers Employers’, Public and Product Liability, as well as Legal Expenses, as standard. Additional cover is available for contract works, material damage and non-negligence. It is ideally suited to traditional contracting firms, from building contractors to civil engineers.

For smaller contracting risks, we also offer a Tradesman per capita product.

Download our Contractors Combined: SME product sheet (PDF 545Kb)

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QBE Commercial Property Owners Insurance can be tailored to fit your precise needs. We insure a variety of commercial property types across a wide range of sectors, including office and retail, wholesale and distribution, light manufacturing and assembly.

All risks cover, including subsistence, is offered as standard, with property and loss of rent sums insured up to £5 million per location.

Download our Commercial Property Owners: SME product sheet (PDF 520Kb)

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QBE CyberCrime provides comprehensive insurance cover, with Social Engineering Fraud cover included as standard where risk management acceptable (theft of money, property or goods by using fraudulent methods such as fake emails and phone calls), and with a rapid forensic response to help businesses get back up and running quickly in the event of an incident. Plus options to add Business Interruption cover and full Crime cover.

Helping you manage your risks
At QBE, we don’t believe in just covering risks; we help you to manage and reduce them. We are delighted to offer our insureds a range of risk management support tools including:

• Free access to the QBE Cyber Risk Management Portal, which offers a wide range of information on cyber risks as well as how to make sure you're protected against them.
• Access to QBE tools and services, as well as discounts for a range of Cyber Risk Management Services from our trusted partners.

And for those companies, whether they have bought a cyber insurance policy or not, that would like to understand more about how protected they are when it comes to cyber risk, QBE has developed its own proprietary Cyber Risk Profiler. This tool allows companies to benchmark themselves against best practice standards and provides each user with a report including explanations and tips on how to improve their cyber risk posture. The report can also be used to obtain a cyber Insurance quote from QBE.

Download our CyberCrime: SME product sheet (PDF 333Kb)
Download Cyber Crime: claims examples (PDF 258Kb)
Download Cyber Crime: understand the threats (PDF 247Kb)
Download Cyber Crime: what’s the risk to your business? (PDF 281Kb)
Download Cyber Crime: protect your business (PDF 261Kb)
Download Cyber Risk Management Services (PDF 67Kb)
Download QBE Cyber Risk Profiler (PDF 70Kb)

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QBE Tradesman Insurance is a comprehensively worded and flexible per capita product that has been designed to meet the needs of traditional and emerging trades, contractors and professionals. Public Liability and Legal Expenses are provided as standard, with a wide range of cover options to suit individual circumstances, such as Employers’ Liability and business interruption.

This product can cater for risks with a turnover of up to £2.5m and up to 25 employees. For larger risks, we also offer a Contractors Combined product.

Download our Tradesman: SME product sheet (PDF 147Kb)

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With cover available to suit almost any kind of office, we can accommodate the needs of the vast majority of SME customers. Our Office Insurance policy includes contents, business interruption, Employers' Liability, Public Liability and Legal Expenses covers as standard, with additional covers such as personal accident and computer breakdown available.

Download our Office: SME product sheet (PDF 287Kb)

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Whether you’re wanting to insure cars, vans, trucks, minibuses, coaches or a mixture of business vehicles, we can provide comprehensive cover and peace of mind.

Our Motor Fleet cover offers AA accident recovery, a nationwide repair network, legal and technical support, in-house engineering expertise, strict service level agreements, and support with fraud prevention.

Contact our Motor Fleet Insurance team for more information on or 0800 917 9360

Download our Motor Fleet: SME product sheet (PDF 532Kb)
Download our Motor Fleet: proposal form (PDF 176Kb)
Download our Motor Fleet: scene of accident report form (PDF 45Kb)
Download our How to make a motor claim (SME) (PDF 194Kb)

Few insurers know the minibus market like QBE. Over the past 30 years, we have insured hundreds of thousands of minibuses and can meet the needs of almost any minibus operator.

We offer optional AA accident recovery, a nationwide repair network, legal and technical support, in-house engineering expertise, strict service level agreements, and support with fraud prevention.

Contact our Minibus Insurance team for more information on or 0800 917 9355 (Acturis users) and 0800 917 9369 (FastFlow users).

Download our Minibus Insurance: SME product sheet (PDF 1.0Mb)
Download our Minibus handbook (PDF 402Kb)
Download our How to make a motor claim (SME) (PDF 194Kb)

Take a look back over the last 30 years: 30 Years of QBE Minibus Insurance

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If you need small fleet insurance that is big on flexibility, we can help. QBE Mini Fleet Insurance can accommodate small fleets (3-15 vehicles) of cars, vans, trucks, minibuses, agricultural or special vehicles.

You can choose the cover most suited to your needs, with options including AA breakdown cover and uninsured loss recovery. All drivers are considered, including those aged 17-24 and over 70.

Download our Mini Fleet: SME product sheet (PDF 287Kb)
Download our How to make a motor claim (SME) (PDF 194Kb)

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Your contact

Your contact

David Jones

David Jones

Director of Underwriting - UK Property & Packaged

+44 20 7105 5643

Broker enquiries

For other broker enquiries please email