Running a business

Struggling to get to grips with business insurance? You're not the only one. Here are six questions we're asked often – and their answers.

We're not going to beat about the bush here. If you're a business owner or boss, you definitely don't need directors' and officers' insurance. Here's why:

Knowing what your insurer wants gives you the inside track and helps get you the right insurance at the right price.

You have a duty to protect temporary staff in the same way as permanent employees. Don't, and you could find seasonal goodwill in short supply.