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At Insurably, we have access to 100's of insurer markets meaning that no matter how unique your requirements are, we know where to find the right cover to suit you.
Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.
Frequently asked questions
First-time business owners should consider public liability insurance for protection against injury or damage claims. Employers' liability insurance is necessary if you have employees. Depending on your business, professional indemnity insurance may be needed, especially for advisory services. Property insurance is also advisable if you own business premises or valuable equipment.
Business insurance costs vary by industry, size, and coverage type. Basic public liability might start from a few hundred pounds annually for small businesses, but comprehensive policies in high-risk industries could be more expensive. It's advisable to compare quotes and tailor coverage to specific needs.
Applying for business insurance typically requires details about your business type, employee numbers, and annual turnover, along with business registration information, past insurance history, and previous claims. Keeping financial records and business operation details ready can streamline this process.
Insurance needs vary by industry. For example, construction companies require extensive public liability and possibly builders' risk insurance, whereas consulting firms might focus on professional indemnity insurance. Industry-specific research is key for adequate protection.
Public liability insurance is crucial for businesses interacting with clients or the public, covering injuries or property damage. This is important for retail stores, restaurants, and home-based businesses with client visits.
Examples include a customer getting injured in a store, or a business like a plumbing service accidentally causing property damage. Public liability insurance covers legal fees and compensation costs in such cases.
Coverage depends on your business's risk exposure. High-risk industries or those with more foot traffic might need higher limits, typically ranging from £1 million to £10 million. Assess specific risks to determine appropriate coverage.
To find affordable public liability insurance, compare quotes using our online quote system or give us a call to consult with one of our experienced insurance brokers for various quotes and coverage options tailored to your business.
Employers' liability insurance is legally required in most cases if you have staff, whether full-time, part-time, or temporary. It protects against claims from employees injured or ill due to their work.
Not having this insurance can lead to fines of up to £2,500 per uninsured day and leaves you vulnerable to costly employee claims.
Employers' liability insurance covers injury or illness claims made by employees due to their work. Workers' compensation provides wage replacement and medical benefits to employees injured during employment.
The best insurance for your industry depends on specific business needs and risks. Policies for a construction business will differ from those for an IT consultancy. It's important to research and compare industry-specific policies.
Professionals like consultants, lawyers, or architects should consider professional indemnity insurance, covering legal costs and damages from accusations of professional negligence, like an architect sued for design flaws.
Cyber insurance is vital for businesses handling sensitive data, but also any business using connected to the internet. It covers costs associated with data breaches, including legal fees, customer notification, and reputation management.
Home insurance doesn't cover business-related activities. Home-based businesses need specific business insurance for equipment, liability risks, and inventory, such as coverage for an online retailer's stock.
Knowledge Centre
Helpful information for small businesses and property owners
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