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.

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

Many estate & letting agents don't realise their professional indemnity doesn't cover them for doing a legionella assessment. Here's what you need to know.