Business insurance guides
Explore our simple guides for everything businesses need to know about insurance.
Guides to business insurance
What is business insurance?
Need to go back to basics? In this simple guide, we explain what you need to know about business insurance.
Do I need business insurance?
Unsure whether you need business insurance at all? Find out here if your business requires it.
What types of business insurance do I need?
Not sure what cover you need for your business? In this simple guide, we explain common covers and what they're for.
What details are needed to get business insurance?
Insurers will ask questions about you and your business to give you a quote. Find out what these are here.
What affects the price of business insurance?
There are several factors that change the price of business insurance premiums. Find out what they are here.
Public liability guides
What is public liability insurance?
Public liability covers claims of accidental injury or property damage to third parties. Learn more here.
Do I need public liability insurance?
Find out if public liability insurance is a legal requirement and whether your business is required to have it.
What does public liability insurance cover?
Discover the specific claims and incidents that public liability covers to see if it would suit your business.
How much does public liability insurance cost?
There are several factors that affect the price of public liability, including turnover and business activities.
Employers' liability guides
What is employers' liability insurance?
Employers' liability insurance covers claims from employees who have been injured or become ill as a result of working for you.
How much does employers' liability cost?
The cost of employers’ liability insurance varies as it’s dependent on several factors that are different for every business or individual.
Do I need employers' liability insurance?
Employers' liability cover is a legal requirement for a lot of businesses, but there are also some exemptions. Find out if your business needs it.
What's the difference between public liability and employers' liability?
Find out the key differences between these two covers and whether you need one or both of them.
Professional indemnity guides
What is professional indemnity insurance?
If a client suffers – or claims to suffer – financial or reputational damage as a result of your advice, your business could face legal action.
What does professional indemnity insurance cover?
However careful you are, sometimes things don't go to plan. This is what professional indemnity insurance is for. Find out what it covers.
Do I need professional indemnity insurance?
Learn the types of businesses that need professional indemnity insurance, why you might need it and whether it's a legal requirement.
How much does professional indemnity insurance cost?
There are several factors that affect the price of a professional indemnity policy, which determines how much your premium will be per month.
What's the difference between public liability and professional indemnity?
Find out the key differences between these two covers and whether you need one or both of them.
Product liability guides
What is product liability insurance?
Find out how product liability insurance can protect you as the supplier, retailer or manufacturer of a product.
How much does product liability cost?
Discover the factors affecting the price of product liability cover and whether you can afford not to be covered.
What does product liability insurance cover?
Product liability covers certain claims relating to products sold, manufactured or supplied – but what are they?
What's the difference between public liability and product liability?
Find out the key differences between these two covers and whether you need one or both of them.
Other guides
What's the difference between key covers?
Public liability? Employers' liability? Product liability? What's the difference? And do you need all of them? Find out here.
What is cyber insurance?
Cyber insurance covers allegations that you haven’t properly handled personal information or that you failed to protect it against unauthorised access.
What is D&O insurance?
If your directors have legal or regulatory responsibilities to employees, the public, regulators, investors or other directors, then you should consider this cover.
What is media liability insurance?
Media liability insurance covers you for negligence in media content and advertising, including website, blogs and social media.
What is business contents insurance?
This cover protects office furniture and equipment from accidental damage or theft, including your fit-out, computers and documents.
What is commercial legal protection?
This cover can be useful for small businesses who have employees but who lack specialist legal expertise in-house.
What are jurisdictional and geographical limits?
Whatever your business, client contracts are your first line of defence against potential legal claims and disputes.
What is self-employed business insurance?
All you need to know about business insurance if you're working as a sole trader, contractor or freelancer, including the covers you need.
What insurance do tradesmen need?
In this simple guide, we explain what tradesman insurance is and the types of covers you may need.
A guide to insurance for beauticians and salons
Discover the covers you need to protect your beauty business or salon.
What is claims made insurance?
Most insurance policies are claims made. Find out what this means and why it's important for making a claim.
Most common reasons claims aren't paid
Can an insurer refuse to pay out? Discover why some claims might be rejected so you can avoid the pitfalls.
Home insurance vs landlord insurance
As a landlord, is your home insurance adequate? What does landlord insurance protect you against that home insurance doesn't?
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.