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Business insurance is a suite of policies protecting your company from unexpected financial losses — typically combining public liability, employers liability, professional indemnity, and commercial property cover into a single package tailored to your trade. The right policy keeps you trading confidently when the unexpected strikes, covering legal costs, compensation, and property damage that could otherwise threaten your entire operation.
Employers liability is a legal requirement for any business with staff, and many sectors require professional indemnity by regulation. Beyond compliance, a single lawsuit or incident without adequate cover can result in costs that exceed your annual revenue. Insurance protects your cash flow, assets, and ability to continue trading.
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Answers to the most common questions about business insurance in the UK.