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What is business insurance?

Business insurance protects businesses against losses suffered financially, such as when the business faces a compensation claim. Covers include liability insurance, insurance to cover business assets and employers’ liability insurance.

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What could taking out a business insurance mean for you?



Business insurance can offer valuable financial protection in the event of unforeseen circumstances. Having adequate coverage can assist your business in recovering and maintaining operations after an unexpected event.


Legal Protection

Business insurance can protect you from legal liabilities that may arise due to accidents or injuries that occur on your business premises or as a result of your business operations. This type of coverage can assist in covering the expenses associated with legal fees and compensation payments.


Increased credibility

Acquiring business insurance can prove to clients and customers that your business is trustworthy and takes accountability for its actions.


Peace of mind

Being aware that your business is secured by insurance can provide you with peace of mind, enabling you to concentrate on managing your business without the stress of potential financial risks.


Customisable coverage

Business insurance policies can be customised to suit the particular requirements of your business, ensuring that you have appropriate coverage that aligns with your unique circumstances.


Compliance with legal requirements

Depending on the industry and location of your business, certain types of business insurance may be mandatory by law. Taking out the appropriate insurance policies can assist in guaranteeing compliance with legal requirements and avoiding legal and financial penalties.

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Business Insurance Types Explained.

Business liability comes in many forms including general coverage and professional liability coverage, which are crucial for businesses that provide professional services. Liability cover can protect your business from lawsuits arising from errors and omissions, defamation, copyright infringement, and other claims.

Business contents insurance, also known as commercial contents or business assets insurance, is a form of insurance that can protect the possessions and equipment located in your workplace. This type of coverage can provide compensation for damage or loss resulting from events like fire, flood, or theft.

Commercial property insurance, commonly known as business buildings insurance, is a type of policy that helps protect the physical structure of your business. Whether your business operates from a shop, restaurant, office, warehouse, or factory, having this type of coverage is essential.

Similar to the buildings coverage on home insurance, business buildings insurance provides financial protection in the event of unexpected damage to any building owned by your business. With this coverage, commercial landlords won't have to bear the costly burden of repairs themselves.

Product liability coverage is vital for businesses that sell products as it can protect your business if a customer is injured or suffers illness due to using one of your products. This may be caused by unforeseeable circumstances such as product faults that your quality control system could not identify.

Business interruption coverage can help compensate for lost income when a business is forced to close due to events such as power outages, and others which are covered under interruption policies.

Tool insurance provides coverage for the cost of replacing lost or damaged tools, which could result from incidents such as theft, fire, or flooding. Typically, handheld tools and plant equipment as well as tools that are owned, loaned, leased, or hire-purchased, are included in the coverage.

Cash-back business credit cards make an attractive option for businesses that frequently make purchases, as they provide a straightforward rewards system based on spending. Meaning you can get rewards from simply making essential and routine business purchases, which all add up.

Tool insurance can be purchased as part of your business insurance, along with public liability insurance or any other type of add-on coverage. It could be beneficial for mechanics, tradespeople, or van drivers who transport equipment.

Home business insurance is a specialised form of coverage that provides protection not only for your residential property and belongings but also takes into account the impact of your business. When you run a business from home, there are several additional risks to consider, such as security, stock, tools, equipment, and visitors to your home.

How does business insurance work?

To minimise risk and protect your business, investing in business insurance is a wise choice for any business owner. Business insurance offers coverage for various types of risks, such as business interruption, property damage, liability claims, and more.

Working with a knowledgeable business plan consultant is recommended to determine the right coverage for your business.

Protect Your Employees
Protect Your Customers
Build Credibility
Legal Requirement
Legal Protection
Protection Against The Unexpected

Frequently asked questions.

As a self-employed individual, it's important to consider the specific business insurance needs that apply to your situation. The requirements for insurance can differ based on factors such as whether you operate from home and the nature of your work. If you have any employees working for your business you could be fined if you do not have the correct policy cover. You will also need to consider if you operate as a limited company and if you have sub-contractors, as these may be grounds on which you require insurance.

If you work as a self-employed individual without any employees, you won't require employers' liability insurance. Nevertheless, it's essential to keep in mind that you may still require other forms of insurance coverage, such as public liability, product liability, or professional indemnity insurance.

The cost of small business insurance depends on various factors such as the size of your business, the number of employees, and your specific insurance requirements. It's likely that your business will need multiple types of insurance coverage, and understanding the average costs of small business insurance can assist you in finding the most suitable policies at a reasonable price

If you sell goods online, it's crucial to have online business insurance to safeguard both you and your products. Even if you operate your business from home, it's not a guarantee that you're already covered by your existing home insurance policy. To ensure complete protection in case of unforeseen circumstances, it's important to ensure that all aspects of your business are covered.

Yes, you can get business insurance before registering your business.

When purchasing a policy, your insurance provider will typically require information such as your business address, type of trade, and projected or actual revenue. Additionally, you may be asked about the structure of your business.

Your insurer typically won't inquire about your Company Registration Number (CRN) or other registration details. Meaning, you can acquire business insurance while you're in the process of sorting out the necessary paperwork to establish your company.

Unfortunately, theft can take various forms. Depending on your business there are various items that thieves could target.

If you're concerned about the loss of items such as laptops, business contents or tools, insurance may be the type of coverage to consider. This type of insurance can cover items stored in most commercial and home offices, as well as those left in a locked car overnight.

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