Your dream protection
Custom insurance built around your small business.
- Inclusive. We support all different types of businesses.
- Clear. We are anti-jargon.
- Fair. We only protect what you need.
We’re here to help you protect what you have created.
Lukango is a company that believes in protecting the dreams of the new breed of small business owners - like you. Turning that dream you had into a reality is no easy thing to do. We understand it’s hard and that having the right business insurance can be even harder to understand.
Lukango’s insurance for small businesses is jargon-free, tailored specifically to you.
Getting insured is easy as 1, 2, 3
Tell us about you
Pick the type and level
of cover you need
Get your quote and
cover details
Tell us about you
and your business
Pick the type and level
of cover you need
Get your quote and
cover details
Insurance built just for your business
Crystal clear
We make it easy for you to understand your insurance cover without confusing insurance lingo.
Connected
We offer products based on data we gather from you so you’ll never have to worry about being under-insured. We create products that aim to future-proof your business.
Modern
We make it easier for you to manage a modern business. No more traditional policies that don't fit your needs or the realities of your industry.What types of small
business do we cover?
Let’s get your business covered
Fix
Fixed price - so that you know what you are going to pay upfront so you can plan your business finances.
Flex
Flexible price - designed to adapt to the growth of your business so you can make sure you're paying only what you need to.
Why choose Lukango?
- 01Small business matters
Did you know small businesses make up over 90% of all businesses in the UK?
We believe small businesses are part of a growing army that are powering the economy. Lukango is also a small but fast-growing business that has one clear mission - to ensure the dreams of businesses by insuring them, in the right way.
- 02We protect your incredible future
We know that growing your own small business empire takes a lot of hardwork and grit.
To make a success of your mobile accountancy, vintage fashion line, your online shop or whatever 5* business you run, you need to work at it every day to reach your goals. You’ve got this!
And whilst you are realising your dreams, Lukango is making sure everything that is important to your business is protected. That is the dream protection we promise.
- 03What matters to us is being fair
At Lukango, we put our heart into small business insurance. Straight-up and simple, always.
That’s why at the core of our mission, we explain policies using clear, easy-to-understand language - the ONLY way to earn your trust and build your confidence about choosing the right coverage.
Lukango has you covered.
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Frequently asked questions
- Who are Lukango?
Like our customers, we are a small but perfectly formed diverse team bringing over 50+ years of combined experience in insurance, underwriting, claims, and digital product development. This, coupled with a background in technology and a passion for championing the underserved, means we are perfectly placed to support the small businesses we protect.
- What does Lukango do?
Lukango is helping today’s small businesses and entrepreneurs (you) realise their dreams by protecting their business with truly flexible, easy to understand insurance cover. Lukango puts business owners in control of how little or how much protection they have, and when that protection needs to be in place. It is this flexibility that gives our customers a truly personalised experience.
- What insurance does a business need?
Business insurance can cover your company for financial losses if something goes wrong as a result of your day-to-day business activities. The type of cover you need will depend on what type of work you do, some examples include a customer being injured by your product, damage or theft of your stock, or sickness or injury to someone in your team.
There are many forms of insurance you can choose to cover your small business, including:
- Public liability insurance
- Employers’ liability insurance
- Product liability insurance
- Stock insurance
There are many other types of insurance you might want - check out our blog to find out more.
- Will Lukango insurance cover my business?
Lukango provides cover for many types of business. Just like you, we’re starting small with our first insurance products designed to cover online retailer businesses. Whether you sell: hand designed t-shirts, pet products, football memorabilia or 1990’s CDs (remember them), we aim to cover you.
As Lukango grows, our next generation of products will provide protection for even more businesses: media, creative, tech, data and wellness.
- How much does business insurance cost?
At Lukango we know that every business is different and has different insurance cover needs. This is why we work with you to build insurance policies perfectly tailored to your business.
Using our “flex” product, we can connect directly with your online business data to make sure that the correct levels of insurance protection are provided for your business needs. For example, we monitor your turnover levels and our product adapts to the growth of your business so you can be sure you're paying only what you need to.
For those that don't want to utilise our flex product, we also offer our “fix” product so that you know what you are going to pay upfront with the certainty that it won't change - that way you can plan your business finances.
- Is business insurance a legal requirement?
Some insurance is optional but we think businesses should plan for every eventuality by protecting what is important to the successful running of your business . Many of your clients, partners and other companies you work with will need proof of insurance as a requirement before they work with you. A great example is that if your small business attends events, you will need the right level of public liability insurance when the event day arrives.
Did you know there is one form of business insurance that you are legally required to have? If your business has employees, then you must have at least £5 million of employers’ liability cover. Lukango can help you understand what you need and when you need it.
- Can I get business insurance before registering my business?
Yes, if you are in the process of setting up a new business you can purchase cover before registering your business - you won’t be required to have a company registration number or other registration details before buying. Your business might not be launched yet but if you have equipment, stock, or employees then you have risks you may want to consider protecting.