Business insurance guides

Not sure what cover you need for your business? In this simple guide, we explain common covers and what they're for.

If a client suffers – or claims to suffer – financial or reputational damage as a result of your advice, your business could face legal action.

Cyber insurance covers allegations that you haven’t properly handled personal information or that you failed to protect it against unauthorised access.

If your business causes an injury or property damage to a member of the public, public liability insurance will cover you for any resulting legal and compensation costs.

Find out whether your business needs public liability cover.

Find out what situations public liability insurance covers.

Find out which factors influence the cost of public liability cover.

Employers liability insurance covers claims from employees who have been injured or become ill as a result of working for you.

If your directors have legal or regulatory responsibilities to employees, the public, regulators, investors or other directors, then you should consider this cover.

Media liability insurance - sometimes known as Errors & Omissions - covers you for negligence in media content and advertising, including website, blogs and social media.

As the name suggests, this cover has two parts. Office contents covers everything in the office, including your fit-out, computers, office equipment, furniture and documents.

Commercial legal protection can be particularly useful for small businesses who have employees but who lack specialist legal expertise in-house.

Whatever your business, client contracts are your first line of defence against potential legal claims and disputes.