Your business.
Properly protected.

If you have employees (including part-time, temporary, or volunteer workers), Employers Liability insurance is a legal requirement — minimum £5 million cover. If you use vehicles for business purposes, motor insurance is also compulsory. Beyond that, legal requirements vary by industry — for example, solicitors must hold professional indemnity insurance. We'll advise you on what you're required to have and what you should have.

Public liability covers physical injury or property damage to third parties caused by your business activities. Professional indemnity covers financial loss a client suffers as a result of your professional advice or services. Many businesses need both — for example, a consultant who visits client premises needs public liability, and also needs professional indemnity for the advice they give.

It depends on your business type, turnover, number of employees, premises, and the level of cover required. A small sole-trader operation might pay from a few hundred pounds a year. A multi-site business with significant turnover and complex risks will pay considerably more. The best way to get an accurate figure is to talk to us — we'll get you the right cover at the best available price.

Yes. Home-based businesses are not covered by standard home insurance policies. If you run a business from your home — even part-time — you need a commercial policy that covers your business activities, equipment, stock, and liability. We can arrange home business insurance that sits alongside your home policy.

If your business stores customer data, uses email, or relies on computer systems — which is almost every business — you should seriously consider cyber insurance. The average cost of a data breach for a UK SME is over £8,000, and that doesn't include regulatory fines or reputational damage. Cyber insurance is one of the most important and most underused covers available.