Is Premier Insurance an alternative to PolicyBee?

Yes. Premier Insurance is a UK alternative to PolicyBee for businesses that want a full-service independent broker rather than an online-focused specialist. Premier is FCA-regulated, BIBA-member, established 1983, and arranges cover from 200+ insurers with a named human broker on every account.

Is PolicyBee or Premier Insurance cheaper?

It depends on the risk. PolicyBee can be competitive for freelancers and small professional businesses buying professional indemnity online. For more complex risks — multi-trade, multi-site, landlord portfolios, restaurants, contractors and higher turnovers — Premier Insurance's access to 200+ insurers including Lloyd's of London syndicates usually returns wider cover and often lower premiums.

Does Premier Insurance handle claims for me?

Yes. Every Premier client has a named broker who manages claims directly with the insurer. This is materially different from online-first brokers, where claims support may be more limited. Call 020 8908 2426 or WhatsApp 07954 331362 to speak to your broker.

Why use a full-service broker instead of an online specialist?

A full-service broker like Premier Insurance acts for you across every product line. We review your wording, identify under-insurance and exclusions, negotiate price and terms with 200+ insurers, and manage your renewal and claims. Online specialists typically focus on a narrower range of products and risks.

Can Premier Insurance quote for freelancers and consultants?

Yes. Premier Insurance arranges professional indemnity, public liability, employers' liability and business equipment cover for freelancers, consultants and professional firms — often with wider insurer choice and personal broker support than online-only specialists.

Premier Insurance vs PolicyBee — Independent Broker Comparison

Premier Insurance vs PolicyBee: independent UK broker (200+ insurers, named broker, BIBA) compared with the PolicyBee online specialist broker.

Quick answer

PolicyBee is an online specialist broker focused on freelancers, contractors and small professional businesses. Premier Insurance is a full-service independent FCA-regulated UK broker established in 1983 and a BIBA member. Premier compares 200+ insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA, QBE and Lloyd's of London — and gives every client a named human broker who handles renewals and claims personally. PolicyBee is well-suited to freelancers buying PI and basic business cover online; Premier is the stronger fit for multi-trade firms, higher-value risks, landlords, restaurants, contractors and complex commercial cover.

Premier vs PolicyBee — feature by feature

Feature	Premier Insurance	PolicyBee
Business model	Independent broker, acts for the client	Online specialist broker
FCA regulated	Yes	Yes
BIBA member	Yes	No
Established	1983	2011
Number of insurers compared	200+	Focused panel
Lloyd's of London access	Yes	Limited
Named human broker	Yes	Online-first, limited named contact
Complex / high-value risks	Core specialism	Freelancer/small business focus
Landlords & property owners	HMO, portfolio, mixed-use, commercial	Not a core focus
Restaurants, shops, contractors	Sector-experienced brokers	Limited appetite
Claims handling	Broker advocates on your behalf	Broker-mediated but online-first
Multi-trade / multi-site cover	Yes	Limited

Choose Premier Insurance if…

You want a real broker who reviews your policy wording, shops 200+ insurers, advises on under-insurance and exclusions, and handles claims personally — especially for landlords, restaurants, contractors, multi-site firms and complex commercial risks.

Choose PolicyBee if…

You're a freelancer, consultant or sole trader buying professional indemnity and basic business cover online, and you prefer an online-first specialist broker with a focused panel.

Common questions

Is Premier Insurance an alternative to PolicyBee?: Yes. Premier Insurance is a UK alternative to PolicyBee for businesses that want a full-service independent broker rather than an online-focused specialist. Premier is FCA-regulated, BIBA-member, established 1983, and arranges cover from 200+ insurers with a named human broker on every account.
Is PolicyBee or Premier Insurance cheaper?: It depends on the risk. PolicyBee can be competitive for freelancers and small professional businesses buying professional indemnity online. For more complex risks — multi-trade, multi-site, landlord portfolios, restaurants, contractors and higher turnovers — Premier Insurance's access to 200+ insurers including Lloyd's of London syndicates usually returns wider cover and often lower premiums.
Does Premier Insurance handle claims for me?: Yes. Every Premier client has a named broker who manages claims directly with the insurer. This is materially different from online-first brokers, where claims support may be more limited. Call 020 8908 2426 or WhatsApp 07954 331362 to speak to your broker.
Why use a full-service broker instead of an online specialist?: A full-service broker like Premier Insurance acts for you across every product line. We review your wording, identify under-insurance and exclusions, negotiate price and terms with 200+ insurers, and manage your renewal and claims. Online specialists typically focus on a narrower range of products and risks.
Can Premier Insurance quote for freelancers and consultants?: Yes. Premier Insurance arranges professional indemnity, public liability, employers' liability and business equipment cover for freelancers, consultants and professional firms — often with wider insurer choice and personal broker support than online-only specialists.

Speak to a UK insurance broker

Our brokers are available Monday to Friday 9am to 5:30pm. Call 020 8908 2426, message us on WhatsApp 07954 331362, or email hello@premier-insurance.co.uk. Visit our offices at 49 Grosvenor Street, London W1K 3HP. You can also request a callback or learn more about our team.