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About you

Please answer the following questions to get a quote.

When you fill in this form, please give accurate, current information so your cover works as expected if you ever need to claim. We don’t provide advice, but we’ll give you everything you need to choose with confidence.

Activity

/yr /mo

What is your profession / main business activity? ^*

Is all of your income generated from within Great Britain? ^*

What is your total turnover? ^*

Including yourself, how many people work in your business? ^*

What’s your total staff costs for the year? ^*

What year was your business established? ^*

Property

/yr /mo

What’s the address you trade from? ^*

Enter address manually

What is your closing time? ^*

Are window and door shutters installed at the premises? ^*

What type of alarm is in place at the premises? ^*

Is there a sprinkler in place at the premises? ^*

Do you own the building/are you responsible for insuring it? ^*

Do you want to insure your contents? Applies to items inside your trading premises only. ^*

Discounts

/yr /mo

If you have a discount code, enter it here:

Your details

/yr /mo

First name ^*

Last name ^*

Email address ^*

Phone ^*

Agreement ^*

I confirm that I have read and understood the Lukango Privacy Statement and agree to my data being used to provide and administer my insurance policy.

Marketing

I agree to receive marketing communications from Lukango, including news, information, and offers relevant to my business. I understand I can opt out at any time.

Your Quote

Build your cover, your way.

You’ll need to include at least one core cover in your policy: Public Liability or Property Damage.

Everything else is optional and fully up to you. Use the checkboxes to add or remove cover, and the dropdowns to adjust your cover limits.

Download Policy Wording

Public and Product Liability

/yr /mo

Protection against claims made by customers or the public for injury or property damage linked to your business or products.

Yes, please include this in my quote

Property Damage

/yr /mo

Protection against loss or damage to your buildings, contents, stock, and equipment caused by insured risks like fire, theft, or flood.

Yes, please include this in my quote

Optional covers

Money & Assault

/yr /mo

Protection against theft of cash and personal injury from assault during robberies or cash handling.

Yes, please include this in my quote

Goods in Transit

/yr /mo

Protection against theft, accidental loss, or damage to goods while being transported within the UK.

Yes, please include this in my quote

Declarations

To finish setting up your cover, please answer the statements below carefully.

These include cover-specific eligibility statements and general business declarations. If any information is missing, inaccurate or out of date, we may not be able to pay a claim or may need to cancel your policy from the start date.

Eligibility Statements

These statements apply specifically to the cover(s) you’ve selected. Select “Correct” only if the statement is true and complete. If any of the statements are "Incorrect" we will not be able to provide that specific cover.

Business Declarations

These declarations apply to you and your business overall and are used to assess your insurance eligibility. References to “you” or “your” include the business and anyone involved in its ownership, management, or control (including directors, partners, and principals)

Claims History

/yr /mo

In the last 5 years, have you or your business had any claims, losses, damage, liability, or requests for compensation (whether insured or not), excluding motor, travel, pet, or health insurance?

Yes No

Are you aware of any incidents, events, or circumstances (past or ongoing) that could reasonably be expected to give rise to a claim or request for compensation in the future?

Yes No

Are there any current or ongoing legal or contractual disputes involving you or your business, including disputes with current or former employees?

Yes No

Health & Safety

/yr /mo

Have you or your business ever been convicted of, charged with, or served with any enforcement notice in connection with a breach of UK Health & Safety legislation?

Yes No

Financial History

/yr /mo

Have you or anyone involved in the ownership, management, or control of the business ever been disqualified from acting as a company director?

Yes No

Have you or your business ever incurred a County Court Judgment (CCJ) or similar judgment for debt that remains unpaid or unsatisfied?

Yes No

Have you or anyone involved in the ownership, management, or control of the business ever been convicted of, cautioned for, or had a prosecution pending for a criminal offence, other than a motoring offence or an offence now considered “spent” under the Rehabilitation of Offenders Act 1974?

Yes No

Have you or anyone involved in the ownership, management, or control of the business ever been bankrupt or insolvent, entered into insolvency or individual voluntary arrangement proceedings, or been involved in a business that has done so?

Yes No

Have you or your business ever been subject to a recovery action, enforcement action, or fine exceeding £25,000 by HM Revenue & Customs, or been involved in a business subject to such action?

Yes No

Have you or anyone involved in the ownership, management, or control of the business ever had an insurance proposal declined, a policy cancelled, a renewal refused, or cover restricted or subject to special terms?

Yes No

Confirmation

Here’s everything you told us. Review your answers and if everything is correct simply choose your start date, then click "Confirm" to buy your policy.

Policy

/yr /mo

Start date

Quote summary

About you

Activity

What is your profession / main business activity?

Is all of your income generated from within Great Britain?

What is your total turnover?

Including yourself, how many people work in your business?

What’s your total staff costs for the year?

What year was your business established?

Property

What’s the address you trade from?

What is your closing time?

Are window and door shutters installed at the premises?

What type of alarm is in place at the premises?

Is there a sprinkler in place at the premises?

Do you own the building/are you responsible for insuring it?

Do you want to insure your contents? Applies to items inside your trading premises only.

Discounts

If you have a discount code, enter it here:

Your details

First name

Last name

Email address

Phone

Agreement

Marketing

Your Quote

Public and Product Liability

Protection against claims made by customers or the public for injury or property damage linked to your business or products.

Include Public and Product Liability?

Property Damage

Protection against loss or damage to your buildings, contents, stock, and equipment caused by insured risks like fire, theft, or flood.

Include Property Damage?

Money & Assault

Protection against theft of cash and personal injury from assault during robberies or cash handling.

Include Money & Assault?

Goods in Transit

Protection against theft, accidental loss, or damage to goods while being transported within the UK.

Include Goods in transit

Business Details

How would you describe your business set-up?

What's the full name of your business?

Is your correspondence address different from the trading address you gave earlier?

Got a website? Pop the address in here (if not, just skip)

Declarations

Claims History

Claims History Declaration

Expected Claims Declaration

Legal Disputes Declaration

Health & Safety

Health & Safety Compliance Declaration

Financial History

Disqualification Declaration

CCJ Declaration

Previous Conviction Declaration

Bankruptcy Declaration

HMRC Declaration

Cancelled Insurance Declaration

Terms and Conditions

/yr /mo

To proceed, I confirm I agree to Lukango’s Terms & Conditions.

About you

Activity

/yr /mo

Property

/yr /mo

Discounts

/yr /mo

Your details

/yr /mo

Your Quote

Public and Product Liability

/yr /mo

Property Damage

/yr /mo

Optional covers

Employers Liability

/yr /mo

Business Interruption

/yr /mo

Money & Assault

/yr /mo

Money

Assault

Goods in Transit

/yr /mo

Loss of Licence

/yr /mo

Legal Expenses

/yr /mo

Business Details

Declarations

Eligibility Statements

Public & Product Liability

/yr /mo

Property Damage

/yr /mo

Employers Liability

/yr /mo

Business Interruption

/yr /mo

Money & Assault

/yr /mo

Goods in Transit

/yr /mo

Loss of License

/yr /mo

Legal Expenses

/yr /mo

Business Declarations

Claims History

/yr /mo

Health & Safety

/yr /mo

Financial History

/yr /mo

Confirmation

Policy

/yr /mo

Quote summary

About you

Activity

Property

Discounts

Your details

Your Quote

Public and Product Liability

Property Damage

Employers Liability

Business Interruption

Money & Assault

Goods in Transit

Loss of Licence

Legal Expenses

Business Details

Business Details

Declarations

Public & Product Liability

Property Damage

Employers Liability

Business Interruption