{"id":1279,"date":"2025-10-28T11:58:29","date_gmt":"2025-10-28T11:58:29","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=1279"},"modified":"2025-10-28T11:57:58","modified_gmt":"2025-10-28T11:57:58","slug":"what-business-insurance-do-i-need","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/what-business-insurance-do-i-need","title":{"rendered":"What insurance do I need for my business?"},"content":{"rendered":"\n

<\/p>\n\n\n

\n
\"What<\/figure>\n<\/div>\n\n\n

Freelancers, contractors, startups and established businesses have all come to us at some point and asked the same question: ‘What insurance do I need for my business?’<\/p>\n\n\n\n

There’s no single answer, because all businesses are different and one size doesn’t fit all. But some general rules apply – the secret being to think about your <\/em>business, and no one else’s. <\/p>\n\n\n\n

First and foremost, you need to consider the risks your business faces. That might sound daunting, but it doesn\u2019t necessarily mean undertaking a complicated risk assessment. More often than not, just focusing on the basics is enough.<\/p>\n\n\n\n

Think about: what you do, where you do it, who you do it with and what you use to do it.<\/p>\n\n\n\n

It\u2019s possible that, for you, any and all of these considerations carry a potential risk. But don\u2019t be too concerned about that. You just have to identify what the risks are, whether they\u2019re significant enough to need insurance and, if they are, what kind of insurance covers them.<\/p>\n\n\n\n

So let\u2019s break it down a bit.<\/p>\n\n\n\n

<\/p>\n\n\n\n

What insurance do I need for my business<\/strong>?<\/h2>\n\n\n\n

<\/p>\n\n\n\n

Professional indemnity insurance <\/h3>\n\n\n\n

Your business activity, your occupation, your profession, your expertise. It\u2019s what your clients pay you for: the specialist advice or service you provide.<\/p>\n\n\n\n

That\u2019s great of course, but what if a client says you\u2019ve made a mistake and it\u2019s cost them money? Or that you\u2019ve not done what they paid you to do?<\/p>\n\n\n\n

If you need to defend yourself against clients\u2019 allegations of wrongdoing (justified or not), professional indemnity insurance<\/a> steps in. It pays for your defence and legal costs, and covers any compensation you\u2019re liable for.<\/p>\n\n\n\n

Depending on what you do, levels of cover<\/a> usually range from around \u00a3100,000 to \u00a35m, but can be higher depending on your client\u2019s demands and the nature of the work.<\/p>\n\n\n\n

Professional indemnity insurance (sometimes called professional liability insurance) can be a complicated beast. If it’s not clear exactly what you need, we recommend talking it through with one of our specialist advisers<\/a>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Public liability insurance <\/h3>\n\n\n\n

Do you go out and about to your clients or have people come to you? If there\u2019s an accident like a trip, slip or spill and someone\u2019s injured or their property\u2019s damaged, you can be held liable.<\/p>\n\n\n\n

We live in a compensation culture and, if you\u2019re sued for bodily injury or property damage, you\u2019ll face a big bill for legal costs and damages. Public liability insurance<\/a> covers both those things.<\/p>\n\n\n\n

Levels of cover usually range between \u00a31m and \u00a35m, although \u00a310m cover isn\u2019t uncommon as part of a contract\u2019s terms. <\/p>\n\n\n\n

<\/p>\n\n\n\n

Employers\u2019 liability insurance <\/h3>\n\n\n\n

This is the only legally required business insurance. It applies to most UK companies with employees. <\/p>\n\n\n\n

And that doesn’t just mean staff on your payroll. It also applies to temps, part-timers, secondees, seasonal workers, work experience, and volunteers.<\/p>\n\n\n\n

If one of them is injured or becomes ill while working for you, and they reckon it\u2019s your fault, they can sue you for damages. Employers\u2019 liability insurance<\/a> pays for your legal defence and compensates your employee.<\/p>\n\n\n\n

Because employers\u2019 liability insurance is a legal requirement, it\u2019s a good idea to find out for certain if your business needs it<\/a>. The Health and Safety Executive (HSE) has a definitive guide for employers<\/a>; it\u2019s an easy read and should tell you everything you need to know.<\/p>\n\n\n\n

Minimum employers\u2019 liability level of cover is \u00a35m but you\u2019ll find that most insurers and brokers only offer \u00a310m as standard.<\/p>\n\n\n\n

Oh, and a word of warning. If you don’t have employers’ liability insurance and the HSE rumbles you, it can fine you \u00a32,500 for every day you were meant to have cover but didn’t.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Office contents, buildings & property insurance <\/h3>\n\n\n\n

Do you have an office or studio? With a computer, phone, desk, plants etc in it? Do you take equipment out and about with you (such as a laptop, projector, mobile and so on)?<\/p>\n\n\n\n

We all know what a pain a damaged or stolen laptop can be. Inconvenience is one thing, but not being able to run your business is another. If you\u2019ve invested money in your office and your business equipment, we\u2019d suggest it makes perfect sense to protect it.<\/a><\/p>\n\n\n\n

Levels of cover are up to you. Think about how much it would cost you to replace everything in your office or workspace, worst-case scenario, and that\u2019s a good place to start. (And we mean everything \u2013 right down to the last pencil.)<\/p>\n\n\n\n

<\/p>\n\n\n\n

Tip of the iceberg<\/strong><\/h3>\n\n\n\n

What we’ve described here isn\u2019t all that’s available, of course, but it’s sufficient to get you started. There’s enough here to cover the kind of ‘everyday’ risks most businesses face.<\/p>\n\n\n\n

Depending on what you do, and how much you rely on technology or a web presence, you might want to give some serious consideration to cyber insurance<\/a> too. <\/p>\n\n\n\n

All sorts of things can cause your IT systems to go into meltdown. And if they do, it can have some pretty devastating knock-on effects. <\/p>\n\n\n\n

For many business owners, the answer to ‘what insurance do I need for my business?’ lies in finding a balance between need, want and budget. And bearing in mind you can insure pretty much anything these days, where you draw the line is up to you. <\/p>\n\n\n\n

At least now you\u2019ll know where the line starts.<\/p>\n\n\n\n

Still not too sure what insurance your business needs? Call 0345 222 5391<\/strong> and chat with one of our expert advisers. <\/p>\n\n\n\n

Photo by Rodion Kusaev on Unsplash<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Freelancers, contractors, startups and established businesses have all come to us at some point and asked the same question: ‘What insurance do I need for my business?’ There’s no single answer, because all businesses are different and one size doesn’t … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[131,129,130,132],"tags":[158,137,150,151,140],"class_list":["post-1279","post","type-post","status-publish","format-standard","hentry","category-employers-liability-insurance","category-professional-indemnity-insurance","category-public-liability-insurance","category-small-business-advice","tag-cyber-insurance","tag-insurance-explained","tag-managing-risk","tag-office-insurance","tag-running-a-business"],"acf":[],"yoast_head":"\r\nWhat insurance do I need for my business?<\/title>\r\n<meta name=\"description\" content=\"What business insurance do I need? 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