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Business Insurance: Introduction

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.

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 towards guarding against these risks.

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


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.

Business insurance - things to remember

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 and ensure that your needs are tailored to so that you can have the peace of mind 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 on each.

Policy name Risks covered
Buildings insurance Damage to buildings or fixtures and fittings
Contents insurance Damage or loss of assets or stock
Employers' liability Causing illness or injury to staff
Public liability insurance Causing injury or illness to customers or damage to customers' property
Professional indemnity insurance Defending legal action arising from negligence, error or providing bad advice
Business interruption insurance Loss 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.

What is business insurance?

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

This means we can't provide you with individual definitive covers or cost on this page.

Compare cheap business insurance

When comparing business insurance packages, it's important to remember that cost isn't everything. You shouldn't look for a cheap business insurance policy, choosing instead a business insurance policy that satisfies both your attitude to both cost and risk. Neglecting to include certain types of cover in your business insurance package in order to secure a cheaper price could leave you without valuable cover when you need it most, which may end up costing your business more in the long run.

Instead, when comparing business insurance packages, you should aim to balance cover with a cheap price, to ensure that you have all necessary types of business insurance in place. One option that many busy business owners use to ensure they are striking the right balance between a cheap price and comprehensive cover is to utilise the services of a business insurance broker, such as Make it Cheaper.

After a short conversation, our business savings experts can help you identify all of the necessary types of cover from which you can grow your business insurance package, and at a competitive price that you will be happy with.

Not only can our team of insurance experts compare business insurance 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.

Small business insurance

Of course insurance is important for all businesses. But, when you consider the tighter margins that smaller businesses are working with, it’s easy to see why insurance is not just important but essential.

It's your hard work that keeps things ticking over, but what if something unexpected came along and threatened to undo everything? Like it or not, risk is something all small business owners have to consider. That's where business insurance comes in.

What insurance does a small business need?

It’s probably the case that your business has a range of assets that you would like to protect with insurance. This could include anything from your business building, specialist tools and equipment, stock and contents, to the employees that you hire.

There may be some forms of cover that you’re legally required to have in place, and others that you choose to purchase, based on your attitude towards risk. Ultimately, it’s up to you to determine which areas of your business you think are most susceptible to the threats you face and protect them accordingly.

As such, there’s no way of definitively saying which types of cover you’ll need, as the best small business insurance policy for you will be one that's tailored to your exact circumstances. There are, however, a number of types of insurance that are commonly taken out by small business owners.

To help you gain an understanding of the types of cover that are relevant to your business, we have created the What insurance does my business need tool.

Small business insurance packages

Many larger corporate companies choose to purchase individual policies, while small business insurance often comes in the form of packaged cover. A package is an insurance package that incorporates various types of protection in one single policy - a policy that's specifically designed for your business.

A major benefit of package cover is that premiums are often cheaper because the administrative work for insurers is significantly reduced. For you as the customer it's also far simpler than purchasing - and renewing - separate policies.

How much does small business insurance cost?

The types of cover – as well as the scope of protection – that you choose to purchase will ultimately influence exactly how much your small business insurance costs. As such, there’s no real way of saying how much you’ll pay for your cover without considering your business’s individual requirements. For example the cost of a product liability policy for small businesses is likely to be less expensive than product liability cover for a multi-national firm.

Small business insurance comparison

To get tailored small business insurance quotes, get in touch with Make It Cheaper Financial Services business saving experts today. Our UK-based advisors can help you to decide which types of small business insurance are best suited to protecting your business, as well as provide you with a competitive quote for your insurance needs. Call 0800 144 4808 today.

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