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Insurance explained

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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’s claims made insurance?

Professional indemnity and medical malpractice are 'claims made' insurance. Find out what this means and why it matters.

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…

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?

Insurance for tradesmen. What do you need?

Insurance is the tool tradesmen need to protect their business. But what cover should they choose? And what does it do? Find out…

How business interruption insurance can help your business

Business interruption insurance covers your lost income and additional costs when an unexpected event stops you trading as normal. Here's how.

How equipment breakdown insurance avoids breaking the bank

Equipment breakdown insurance is for those times when a bit of kit just stops working. But what does it do and how can it help? Find out...

What’s an insurance excess?

An insurance excess is the amount you pay towards a claim. Usually, the higher your excess, the lower your premium. But not always...