Business Insurance

If you're a business owner, an independent professional or self-employed, business insurance can help to protect you and/or your company against unexpected costs.

Types of business insurance

Some types of business insurance are required by law:

  • if you are an employer you are legally obliged to have employers’ liability insurance to cover the cost of compensating employees who are injured or become ill through work
  • if your business uses vehicles you are legally obliged to have commercial motor insurance

Other types of business insurance are optional, such as:

  • commercial property insurance, which covers the cost of repairing or rebuilding your business premises, or replacing your stock or equipment
  • liability insurance, which covers the cost of compensation claims following fault or negligence brought against you or your business by clients, customers, shareholders, investors, or members of the public
  • Cyber insurance, which covers you for losses relating to damage to, or loss of information from, IT systems and networks.

Types of liability insurance include:

  • public liability
  • product liability
  • professional indemnity
  • directors' and officers' liability

Buying business insurance

Business insurance is usually sold as a package, combining a number of different policies under one premium.

The types of policies you need, and the cost of your premium, will be based on a number of factors including:

  • the nature of your business
  • its annual turnover
  • the number of people you employ
  • your insurance claims history

You can buy business insurance directly from an insurer or from a specialist broker.

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