Business insurance

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Your business is your livelihood, and we think that's something worth protecting. Insurance is a great place to start - but are you sure you're getting the cover that's right for your business?

It's fair to say that it's not always easy to be certain. Sitting down and identifying all the risks that your business is exposed to can seem like an impossible task - and it can be just as difficult working out which policies will provide the cover you're looking for.

That's why enlisting the help of a trusted broker can be an effective way to find a policy that's right for you - one that reflects your needs as well as your own attitude to risk.

At Make It Cheaper Financial Services that's what we're dedicated to doing - and we love putting a smile on your face in the process.

How does the service work?

We talk

You tell us about your business and together we identify your insurance needs.

We search

Our expert brokers find a new quote and break down the price so there are no hidden costs.

You save

We set up your cover and run through the policy wording to ensure the process is as easy for you as possible.

Why should I switch with you?

  • We’ve helped thousands of Britain business owners protect what’s important to them.
  • We’ll always make sure you get the cover that’s right for you and your business – no unnecessary extras.
  • Our UK-based agents will set up your policy to make life as easy for you as possible.
  • You’ll get a personal account broker who’ll be on hand to help if you ever need to make a claim.
  • We work with some of the UK’s most trusted insurers to get our customers the best cover available.

About business insurance

Business insurance can be purchased to provide you with financial support in the event that your business suffers damage or loss of some form. A business insurance policy is a collection of different types of cover, bundled together and tailored to suit a specific business's needs. The types of cover that you take out will depend largely on the threats that you deem your business to be exposed to, and your attitude to guarding against these risks.

There are a number of different threats that you could protect against with business insurance, including but not limited to:

It's important to remember that no two business insurance packages are exactly the same, which is why it may be useful to use a broker to help identify all of your business risks ensuring your needs are tailored to and that your business is comprehensively covered.

Below is a list of the most common types of elements that you may want covering when you buy your business insurance package, along with a brief summary of the risks they protect against. Bear in mind that there may be other things that your business requires additional cover for. Click the links for more information.

Policy nameRisks covered
Buildings insuranceDamage to buildings or fixtures and fittings
Contents insuranceDamage or loss of assets or stock
Employers' liabilityCausing illness or injury to staff
Public liability insuranceCausing injury or illness to customers or damage to customers' property
Professional indemnity insuranceDefending legal action arising from negligence, error or providing bad advice
Business interruption insuranceLoss of income caused following an interruption to business operations

Many policies can also be modified to provide additional cover to suit your particular business, however this many impact how cheap your business insurance is.

There’s no straightforward answer to this question. All businesses - including yours - are unique, and will therefore require different components of cover. So, there's no set price for how much business insurance costs.

This means we can't provide you with a definitive cost on this page – but we can tell you the three main factors that will affect how cheap your business insurance cover is:

  1. Legal requirements – the law may dictate that you're required to have certain policies in place, such as employers’ liability insurance, if you have employees.
  2. Your attitude to risk – do you think your business could comfortably cope with unexpected costs? Are there any in particular you want to guard against? Are you happy to foot the bill if your contents are stolen?
  3. The insurer – all businesses present a potential cost to an insurer and will have historically cost that insurer money, so their attitude to risk differs. What they know about businesses like yours generally and how well you run your business will contribute to the price they give you. This is another reason why using a broker like us, who has access to multiple insurers, with exclusive products and prices may be useful.

Let's look at these in more detail.

Legal requirements

The type of work you carry out and the setup of your business will determine whether or not you're obliged to purchase certain forms of cover.

For example, if you employ staff you'll almost certainly be legally required to purchase employers' liability insurance. Or, if you are a solicitor, you may be required by your regulating body to purchase professional indemnity insurance before you’re allowed to practice.

Your attitude to risk

Beyond cover you're obliged to have in place, you may also choose to protect your business from a number of other risks that you could be exposed to. There is quite a wide scope as far as business insurance customisation is concerned, so your attitude to the level of risk your business faces will play a large role in determining the breadth of cover that you take out - and consequently how cheap your business insurance will be. Naturally, the greater the range of cover you have in place, the more your insurance is likely to cost.

The insurer

The level of risk that insurers assign to your business will depend on its setup and operations. For instance, if you own a busy restaurant, an insurer may consider you to be at high risk of public liability claims due to the high volume of customers that pass through your doors. This could increase the overall cost of your insurance package.

Some other factors your insurer may take into consideration are:

  • The value and security of your buildings
  • The value and security of your contents, stock, or tools and equipment
  • The location of your business premises - for example, if the local area is a crime hotspot, this could increase the cost of your insurance premiums
  • The likelihood and potential severity of any hazards your business is exposed to - for example, if your business premises is located in an area that is prone to flooding, this will impact your business insurance cost.

Cheap business insurance

It's important to remember that cost isn't everything. You shouldn't look for a cheap business insurance policy, instead you should look for a business insurance policy that satisfies both your attitude to cost and risk. A cheap business insurance policy could leave you without valuable cover when you need it most, which may end up costing your business more in the long run.

To find out how much a comprehensive insurance package will cost your business, you'll need to get a quote. By using the services of a broker - such as Make It Cheaper Financial Services - you can quickly and easily run a comparison and get a competitive business insurance quote to suit your needs.

Not only can our team of insurance experts compare deals and help you to decide which forms of cover may best benefit your business, but we can also help you to get a great deal for the insurance that you do need. All it takes is a simple phone call. Speak to one of our insurance experts on 0800 144 4808 and get a quote for your business insurance needs.

Call us on 0800 144 4808 and let's talk

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