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What is business insurance?
Business insurance protects your organisation against losses due to temporary closure or claims such as property damage, accidents, poor service or employee-related risks. There are many types of cover for small business, including professional indemnity, public liability, business interruption and employers’ liability - the policies you need depend on the type of business you run.
Why do I need business insurance?
Business insurance provides small businesses with essential protection against legal fees and compensation costs. The type of cover you need depends on the field of business you’re in
How does switching work?
Tell us your needs
Tell us about your business and we’ll help identify your insurance needs.
We find the right insurer
Our expert brokers will find the best deal for you - with no hidden costs.
We’ll set up the policy so you can start saving.
Is business cover a legal requirement?
The only type of business insurance required by law is employers’ liability cover, which becomes a legal requirement if you employ more than one staff member that isn’t related to you. Depending on the type of business you run, some regulators will require you to have certain policies in place. For example, solicitors and accountants are required to have professional indemnity insurance.
What does business insurance cover?
Business insurance protects your company against any financial losses related to claims. Here are examples of situations where you’ll be protected:
Which type of business insurance do I need?
All businesses with one or more members of staff are required by law to have employers' liability insurance. This is to pay for any legal fees and compensation costs incurred if a member of staff claims their injury or illness is due to your negligence
Your small business has a range of assets you need to protect with insurance, which could include anything from your business building, specialist tools and equipment, stock and contents, to your income and the employees that you hire.
Which liability insurance do I need?
There are a range of liability insurance policies that cover your business for legal fees and compensation costs. Depending on your type of business, you may only need one or a combination of all three.
- Public liability insurance: Protects you against claims related to a customer, client or third party becoming injured, ill or suffering property damage.
- Employers liability insurance: Employers’ liability insurance protects against claims related to injury or illness.
- Product liability insurance: Protects against claims for personal injury or property damage caused by a product your business designed, sold or supplied.
- Professional liability insurance: Covers cost of claims related to poor service or advice.
Protect your business now - call us on 0800 144 4808 and let's talk
Our team of experts compare insurers to help you decide which types of cover best suit your business needs, and secure the best deal.