Small Business Insurance

Whether you run a business with multiple employees or operate as a sole trader from your spare room, our liability insurance policies can help to protect you and your business. Legal defence costs are included across our public liability policies. A range of limits are available to suit your business and budget, and you can combine the policies you need to ensure your business is adequately protected.

Read answers to common questions about small business liability insurance below.

Question

What is liability insurance?

Answer

Our tailored liability insurance policies allow you to build up the cover your business requires. Whether you're setting up your own business, taking on employees for the first time, have an established company or you are looking to expand, we can protect your livelihood from a number of liability claims. Our advisers can help you to build up your liability insurance to suit you and will be on-hand to give expert advice and assist you if you need to make a claim.

Question

What does liability insurance cover?

Answer

Our liability policies can cover you for public liability, product liability and employers' liability as well as professional indemnity and cyber liability to protect your business activities. The cover you need will depend on your business type and size, so it is worth speaking to one of our specialist advisers to discuss your insurance needs.

Question

Do I need liability insurance?

Answer

Some liability insurance policies are a legal requirement for businesses such as employers’ liability, whereas others such as public liability cover is prudent and recommended to protect you. The liability insurance you need will depend on factors such as business activities, size and location of your business. In order to ensure you are adequately protected you should speak to a specialist adviser.

It is important to protect yourself and your business from the risks that come with operating a business. Our policies can offer protection from a range of risks including theft and property damage, personal accident and cyber-crime. These could save you from the stress and financial burden should something happen.

Question

How much does liability insurance cost?

Answer

Our liability insurance policies are designed to cover a range of risks and it is possible to combine a number of policies to suit your business needs, so the cost will depend upon a number of factors. We will discuss the liability insurance you need and the level of cover you require and obtain quotes from a number of specially selected insurers to allow you to choose the right policy.

Question

What liability insurance do I need?

Answer

The type of liability insurance you will need will depend upon your business. Some of the covers you have probably come across are public liability, which protects you should a member of the public sue after an injury due to your negligence, and employers' liability which is designed to protect you and your staff from injury or illness relating to work.

There are other forms of liability insurance, such as professional indemnity insurance, which can protect you if you are accused of providing inadequate advice, services or products to a customer. Cyber liability insurance can help to protect your business in the event of a cyber-attack, this is becoming an increasingly important policy due to the rise in hacks and the advancement in techniques used by cyber-criminals. Speak to an adviser to find out which liability insurance you need for your business.

Question

Do I need public liability and professional indemnity cover?

Question

Liability insurance policy exclusions

Answer

As there are a wide variety of liability insurance policies, it is always recommended that you check your policy documents for any specific exclusions.

Question

Can I pay for my small business insurance in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Where can I find more information about monthly Direct Debit for liability cover?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.