Business & Liability
Every business carries risk. We review how you operate and recommend a package of covers, so a single incident does not put the business in danger.
What’s covered
Business & Liability options
- Public and product liability
- Professional indemnity
- Employer’s liability and work injury cover
- Business interruption
- Fidelity guarantee (employee dishonesty)
- Goods in transit and group personal accident
Exact cover, limits and exclusions depend on the insurer and policy. We explain these before you decide.
Who it’s for
- Start-ups and small businesses
- Consultants and professionals
- Contractors and traders
- Employers of any size
How we help
More than a quote
We review your risks
We look at what you do, where and with whom, to find where you are exposed.
We right-size the cover
Instead of piecemeal policies, we build a programme that fits and avoids gaps.
We meet requirements
Some covers are required by law or by client contracts. We help you identify them and provide proof of cover.
We support your claim
When a claim arises, we manage the process with the insurer alongside you.
Questions
Common questions
Which covers does a small business need first?
It depends on what you do. Many businesses start with property, public liability and cover for employees, and add other covers as they grow. We recommend based on your operations.
Is any business insurance compulsory?
Some covers are required by law or by contracts and tenders, depending on your sector and location. We help you find out which apply to you.
What is professional indemnity?
It covers claims that your advice, services or mistakes caused a client a financial loss. It is important for consultants, advisers and anyone selling expertise.