Insurance explained

Civil liability is being responsible for actions and practices that could damage others, but that aren't criminal. As a business, that matters.

This is one of the biggest changes to insurance since, well, ever: here's The Insurance Act 2015 explained. Or at least, the important bits.

Why should you use a broker? You'll find out when you need help with insurance claims. Here's why they're the difference between a claim being paid or not.

Knowing exactly what sole trader insurance you need can be confusing. Do you need employers' liability insurance? Find out here.