Expression offer business insurance packages designed for independent shops, cafes, restaurants, and bakeries.

There are three packages available; small, medium and large, to provide a range of cover limits for most retail businesses depending on your needs. These packages can be altered to provide you with a bespoke cover. Expression can also provide buildings insurance for Bira members. If this is something you require, please get in touch with one of the Bira Account Management team.

As official partners of Expression, Bira members not only have a unique online experience but also access to a dedicated account management team to answer any insurance questions.

Obtaining a quote is easy and there’s no paperwork to fill out; simply enter your business name and postcode to see your quote in less than 30 seconds.

How Members benefit

  • Up to 30% off for Bira members
  • Discounts for existing positive reviews from your customers
  • Interest-free monthly payments
  • No administration fees
  • An expert claims team using local tradespeople if you need repairs
  • Policies underwritten by one of the most secure companies in the world
  • Claims line open 24/7, 365 days a year

How to get started

Contact us or simply click the link below to get started....


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Bira Insurance through Expression is not only more competitive than other insurers in the market, but Bira members can save up to 30% off their base quote. Request a quote or provide us with your insurance renewal date so you don't miss out when renewal time comes!


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What our members say

'Great Service!' Needed to get cover sorted last thing on a Friday afternoon and Emily was on hand to make it quick, easy and on time. County Hardware
'Super Duper Simple!'
So easy to get the quote and be insured. Amazingly clear and straightforward. Thank you.
Pickwick Papers & Fabrics
'Wonderful to find insurance specifically for independents!!' Lovely friendly staff, who are very informative & knowledgeable, but more importantly a competitive insurance rate quote - exactly what is needed as the cost of everything is on the rise. Bira member
"Expression Insurance have been a pleasure to deal with. They have been friendly, responsive and very helpful - everything you would hope for but often don’t get from an insurance company!"
Claire Leigh - Two Ducks Ltd

About Expression

Expression provides specialist cover for independent businesses throughout the UK. Uniquely, Expression work on the principle that well-run businesses are good risks and therefore deserve good prices. They set out to identify well-run businesses and provide the simplest and quickest online buying experience you can find.

Expression Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, number 786693. You can check the register of authorised companies via the FCA website, which is at

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