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Insurance explained

What does public liability insurance cover?

What's public liability? What does public liability insurance cover? Which businesses need it? Find out the answers to these and other questions here.

Excess layer insurance explained

Excess layer insurance is a great way to top up your cover when your risks increase. Find out why you might need it and how it works.

How treatments & training affect your beauty insurance

Find out how the treatments you offer and the training you have to do them makes a difference to your beauty therapist insurance.

What’s directors’ and officers’ insurance and who needs it?

Find out why directors' and officers' insurance and employment practices liability insurance are essential for your business.

What insurance do I need for my business?

What business insurance do I need? What don't you need, more like. If you're after a more helpful answer than that, try reading this.

What is run-off cover?

Run-off cover is a bolt-on to your professional indemnity. Here's how it works and why you need it to protect your past work even after you stop trading.

What’s claims made insurance?

Professional indemnity is 'claims made' insurance. Other types of insurance are 'claims occurring'. But what's the difference? And why does it matter?

What’s retroactive cover?

Retroactive cover bolts on to your professional indemnity and picks up claims arising from work you did before the policy started. Clever stuff. Here's how.

Do I need insurance for my home office?

Can you rely on your existing home insurance policy for cover if you work from home? Or do you need home office insurance? Find out…

What’s public liability insurance?

What is public liability insurance? A highly useful ally in helping your business survive modern-day compensation culture, that's what. Find out how.

Do agency nurses need their own insurance?

By law, all agency nurses must have nurses' indemnity insurance. Whether or not you need your own policy, depends on your agency.

Recruitment consultant insurance: do you need vicarious cover?

Did you know some recruitment consultant insurance covers the people you place for the work they do, and some doesn't?