Business Insurance uk

Business Insurance

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Business Insurance Key Benefits


Business Insurance covers a broad category of insurance designed for businesses. It is also called commercial insurance.

Businesses buy insurance to protect themselves and their business against any unforeseen loss resulting from claims or loss. Business Insurance helps to ensure that a business can continue to run after a claim or loss occurs.

Business Insurance can cover professional indemnity, public liability, and employer’s liabilities which are all essential in ensuring your business runs smoothly along with a number of other standard covers which are can be included in the insurance.


Business insurance is required to protect you against the everyday risks that come with running your business. Business Insurance can cover you against unforeseen events such as theft, material damage, professional mistakes, and personal injuries however the exact cover you may required is dependent on the demands and needs of your business and how you run it.

Whether you work from work, or welcome clients to your premises, you should determine the type of business you have in order to sure that you have the correct insurance covers in place,

Example: Welcoming customers to your shop would require you to consider getting public liability insurance in case the customer suffers an injury whilst visiting your business

Example: Selling stock online, then you can protect your stock against theft and damage by getting stock cover.

Example: Working with specialised tools, then you can get your tools covered to protect against theft or damage.


The only type of business insurance that is compulsory under UK law is employer’s liability insurance, this is a legal required for most businesses that employ staff even if they are temporary or casual.

However you may find that some businesses that are regulated by professional bodies require certain types of insurance in place in order for the business to operate, this applies to particular professions such as Solicitors, accountants, healthcare professionals etc are all required to have professional indemnity insurance before they can operate.

If you find that there is no compulsory insurance for your particular business, it is still worth taking out a policy anyway, the insurance can cover you against any mistakes, theft, damage, legal fees, and helps to ensure that you can keep running your business even when things go wrong.


There are a number of different types of business insurance to cover various business risks.

The standard covers that are available*:

  • Public & Product Liability
  • Employers Liability
  • Professional Liability
  • Tenant Improvement
  • Material Damage
  • Theft Cover
  • Contents Cover
  • Deterioration of Stock
  • Fixtures & Fittings
  • Business Interruption
  • Business Equipment
  • Computer & Accessories
  • Glass & Signs Cover
  • Money Cover
  • Goods In Transit
  • Accidental Damage
  • Legal Expenses
  • Terrorism
  • Subsidence
  • Book Debts
  • Loss of License
  • Treatment Cover
  • Personal Accident & Assault


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