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What business insurance do I need?

Confused about what business insurance you need? knows how difficult it can be to understand which policy will best protect you, your business and/or your employees.

We bring you a comprehensive guide which summarises all our policies to help you know the best one for you:

Public liability

Public liability is not compulsory but is essential cover for businesses that come into regular contact with customers, clients and the public.

It safeguards your business from claims made by clients or members of the public who suffer an injury or damage to their property as a direct result of your business operations.

Employers’ liability

It is a legal requirement to purchase at least £5 million employers’ liability if you have any employees working for you. It protects you and your business from claims made by employees that are injured or made ill while working for you.

Employers’ liability can be purchased alongside public liability.

Professional indemnity (PI)

PI is designed to protect anyone that provides professional advice or legal services from claims which could arise as a result of negligence, error, emission, breach of confidentiality or loss of documents.

Trades that would benefit from this type of policy include accountants, architects or consultants.

Consultants’ liability

Consultants’ liability is essential cover for consultants. It would cover any claims made by clients or members if the public who suffer injury or damage to their property as a direct result of your business operations. It can also include employers’ liability cover should you require it.

Plant & materials insurance

Businesses in the construction industry require tools or machinery to carry out their business activities. If this equipment was damaged or stolen, a plant and materials policy would cover the cost of replacement and also rental charges for each day, if plant and tools are hired in.

Shop insurance

If you own or rent a shop, there are a number of risks that require cover. A shop policy can include all the protection required. It can be tailored to include public liability, employers’ liability, buildings cover, stock and contents cover against fire, flood and theft, business interruption which covers unexpected occurrences and money cover.

Restaurant insurance

Running a restaurant can include a number of risks as it can be an extremely busy environment. It is important to protect the business as a whole from any instances that might arise. A restaurant insurance package could include public and employers’ liability, building, stock and contents cover, business interruptions cover and cover for your money and glass. Any of these can be included or removed at request.

Pub insurance

Owning or running a pub holds substantial risks due to its nature and environment. Pub insurance can be tailored to include cover for claims made by members of the public and employees with public and employers’ liability, buildings and contents cover and also personal assault at work can be included on request.

Van insurance

Just like car insurance, anyone who uses a van as part of their work is legally obliged to have a valid van policy with the relevent levels of cover required.

Goods In Transit

Effective for protecting tools and materials whilst in transit. A goods in transit policy can ensure that goods, such as tools materials and stock, are covered for any accidental damage or theft that could occur whilst being transported from one place to another.

Courier insurance

This type of policy is beneficial to those that handle other people’s packages. Courier insurance will cover the goods against being lost, stolen or damaged whilst in transit. It can also include public and employers liability if requested.

Haulage insurance

This type of policy is again beneficial to those who handle other people’s packages but generally large parcels. A Hauliers Choice package will protect the business against lost, stolen or damaged packages. If requested, it can include public liability, employers’ liability and goods in transit.

Fleet insurance

Fleet insurance is an effective policy that allows business or individuals to cover multiple vehicles under one policy. This is beneficial to those with 3-10 work vehicles/vans. Discounts are available when insuring over 3 vehicles.

Landlord insurance

Landlords are responsible for insuring any properties they let. As there are various risks affecting landlords adequate cover is a necessity. Landlord insurance can cover the building and its content. It can include accidental damage and loss of rent cover in addition to public liability and employers’ liability.

Office insurance

An office is a busy environment where many staff and members of the public can come and go. It is important that the right type of protection is in place as unexpected incidents can be severely damaging. Office insurance could provide building cover, public liability and employers liability, business interruptions, computer breakdown cover and even employee dishonesty.

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