Business Insurance UK: Start with Your Risks
Business insurance should reflect the activities, contracts, people, premises and assets of the organisation. Legal duties and contract requirements can differ by business.
Common categories
Employers’ liability, public liability, professional indemnity, property, business interruption, motor and cyber cover address different exposures. Not every business needs every type.
Map your exposures
List staff, customer visits, advice or services, stock, equipment, vehicles, premises, contracts and reliance on suppliers or digital systems.
Read policy conditions
Check limits, excesses, retroactive dates where relevant, territorial scope, exclusions, notification duties and whether subcontractors are included.
Questions to ask before arranging cover
What should I check before buying cover?
Read the policy wording and schedule, check exclusions, limits, excesses and the claims process, and ask the insurer or broker about anything unclear.
Does this page provide a quote?
No. This is general information, not a quote, recommendation or a statement that a particular policy is suitable.