AXA Small Business Insurance Services Protect
Services Protect
Business insurance tailored to match the unique needs of your service business.
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Flexible cover to protect your business

  • Tailored cover that you choose to fit your business – only pay for what you need
  • Public liability cover included as standard
  • Professional indemnity, employers’ liability and personal accident are all available as optional covers
  • Protect tools, technology or equipment with optional extra business equipment cover
  • Various cover limits are available to suit the needs of your business
When you’re running a business, there’s a lot to keep on top of. Whether you’re just starting out, or you’ve been your own boss for years – we’ve got the cover you need. We understand small businesses, and can provide cover for:
  • Micro-businesses (0-8 employees)
  • Sole traders
  • Self-employed people

Our Services Protect Insurance can cater for a large number of different service-led occupations. From cake makers to yoga teachers, mobile hairdressers to nail technicians, and much more, we can help to protect your business.

What's covered by our small business policy?

What does AXA Services Protect Insurance cover?

With AXA Services Protect Insurance, you can combine the right cover for your service business and choose the right add-ons to give you that extra layer of protection. That way, you’re only ever paying for what you need – no more, no less.

  • Public liability insurance (compulsory cover)

    You’re responsible for the welfare of every customer or visitor. Public liability protects your business against accidental injury and property damage claims from your customers, visitors, or people you visit. Public liability is the only compulsory cover and offers you three limits to choose from, depending on your needs - €1.3 million, €2.6 million or €6.5 million.

  • Business equipment cover (optional, if you have no premises)

    Specialist equipment is what keeps your business ticking. However, as a small business owner, your equipment probably won’t be covered by your home contents policy. Business equipment cover protects your tools and equipment as part of your Services Protect Insurance policy. This is an optional cover with four limits depending on the value of your business equipment - €2,000, €5,000, €10,000 or €15,000.

Upgrade your insurance cover with these extras

  • Employers’ liability insurance (optional)

    Once your business begins to grow, you may start to take on employees, contractors, casual workers or temporary staff. If you do, it’s important to take out employers’ liability insurance.

    It covers you for up to €13 million for any claims from staff who may become unwell or suffer an injury as a result of working for you. This is an optional cover and offers protection for up to 8 staff.

  • Personal accident cover (optional)

    Personal accident cover protects you in the event of a serious injury resulting from an accident, which prevents you from working. Cover is available up to €300, €400 or €500 per week (subject to certain conditions).

  • Professional indemnity cover (optional)

    Professional indemnity is an optional cover for principals, partners and directors in certain service trades. This cover protects your business if you provide designs, specifications, advice or instructions as any part of your job. It protects you from compensation payments and defence costs if a client thinks you’ve made a mistake or given bad advice (that's resulted in a financial loss) and makes a claim against you.

    There are three different cover limits to choose from - €250,000, €500,000 and €1 million.

Van insurance

If you use a van to transport expensive equipment to work locations such as photoshoots, weddings, or fashion shows, you could be lost without it.

Make sure you’re protected with van cover that is designed to keep you and your van on the road. So you can get on with business as usual. Van insurance is a separate AXA insurance policy and is not part of Services Protect Insurance.

Get a van insurance quote