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Your business
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About you
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Your quote
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Questions
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Payment
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Your documents
Have you answered everything? If you're stuck, the question notes to the side should help. Please feel free to call us on 0345 561 0320 if you're still not sure. Have you answered everything? If you're stuck, click 'help' or call us on 0345 561 0320
Online retailers' insurance

This policy is for UK-based businesses selling physical goods online. Goods may be shipped internationally and sold at craft fairs, exhibitions and in pop-up shops.

Charity insurance

This policy is designed to protect your UK-based community interest company (CIC), not-for-profit, voluntary group, good neighbour scheme, residents association, or sports club. It doesn't require registered charity status.

Start your quote
Start typing in the box and you'll see a list of business types and activities. Please pick the one that best matches yours.

It's important to get this bit right. If we don't have an accurate description of what your business does, there's a very good chance you won't be covered if you claim. For obvious reasons, the insurer can only cover the things it knows about and is comfortable with.

However, this isn't an exhaustive list. If you can't find a close enough match, or your business does more than one thing, please call us on 0345 561 0320.

Or choose from a list.

Tick as many boxes as you need.

If you’re not sure your goods fit into a category, please check our full list .

Still not sure? Call us on 0345 561 0320.

£  

We use this figure to calculate how much your insurance costs. It gives us an idea of the amount and value of work you do, and therefore how much to charge. We can't give you a quote without it, unfortunately.

We need your business's gross annual income excluding VAT. If you have one, your last financial year's figure is best.

If you've been trading for less than a year or you're just starting out, your best estimate is fine for now.

Any numbers you give us are strictly confidential.

This should be your charity's gross annual income from the last financial year.

If your charity's new, your best estimate for the first year is fine.

We need this to work out how much your insurance costs. If you don't have an exact figure, or you're just starting out, your best guess is fine. Any numbers you give us are absolutely confidential.
Full-time employees

Include you and everyone who works with you in the course of a year, including directors and volunteers.

For reference, the Health and Safety Executive considers all these 'employees': unpaid volunteers and interns, work experience students, labour only subcontractors, temps, secondees, apprentices, helpers, staff borrowed from other companies.

Note: even if someone is self-employed for tax purposes, they may be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be deemed liable for their welfare. Even though they're not, strictly speaking, employees you may still need employers’ liability insurance to cover them.

Include everyone who helps out in the course of a year and divide them into ‘paid’ and ‘unpaid’. The Health and Safety Executive considers all the following to be employees in terms of their welfare:

  • Apprentices
  • Freelancers, if you provide their equipment and dictate when and where they work
  • Interns
  • Labour-only subcontractors
  • Secondees
  • Staff borrowed from other companies
  • Temps
  • Trustees and directors
  • Volunteers
  • Work experience students
£  
This should be the total, gross, annual amount the company pays to its permanent employees.

Exclude bonuses, dividends, commissions and payments to freelancers and subcontractors.

If you don't have an annual payroll, or if you're a new business and you're not sure what it'll be, please put '0'.
The total amount you pay staff. We need it to work out how much your employers' liability insurance costs. Any figures you give us are absolutely confidential.

If your business is based in the UK but you sometimes travel to other countries to work, answer ‘Yes’.

Likewise, answer ‘Yes’ if you sometimes work on contracts not written under or subject to UK law, even if the work is done in the UK.

If your business is based in the UK but you sometimes travel to non-EU countries (including non-European) to work, answer ‘Yes’.

Likewise, answer ‘Yes’ if you sometimes work on contracts not written under or subject to EU law, even if the work is done in the EU.

% United Kingdom
% Ireland
% Europe (excluding UK and Ireland)
% USA and Canada
% Rest of the world
% Total
% United Kingdom
% Ireland
% Europe (excluding UK and Ireland)
% USA and Canada
% Rest of the world
% Total
£  

The insurer is looking for an idea of the size and scale of your work – large project values usually mean large bills if something goes wrong.

So, we need the total construction value of your largest project, not just the fee you were paid to work on that project.

Your business in detail

Please complete your turnover breakdown to continue.

Tell us exactly what you do and we'll make sure your policy covers it.


Can't see what you do?

This list is based on the occupation you chose in the 'What do you do?' box above. If what's here doesn't seem relevant, please feel free to pick a different occupation.

If that doesn't work, you might want to give us a call on 0345 561 0320 instead.

Please review the question in 'Your business in detail'. Select what you do from the list, or call us on 0345 561 0320.