1. Your charity

Have you answered everything? If you're stuck, the question notes to the side should help. Please feel free to call us on 0345 222 5399 if you're still not sure. Have you answered everything? If you're stuck, click 'help' or call us on 0345 222 5399

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Or give us a call on 0345 222 5399 - we're here Mon-Fri, 9-5.30.

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.

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What does your charity or group do?What does your business do?

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.

It’s important to get this bit right. If we don’t have the right information about what your organisation 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.

Or choose from a list.

Remove

Do anything else? Add more activities

We need to know what you do so we can offer you cover that’s the right fit. Pick the closest thing – or if what you do isn’t listed, please ring us on 0345 222 5399

What's your annual turnoverincome? £

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.

Please give us your organisation’s gross annual income from the last financial year, if possible.

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.

Do you have employees or other people working with you?

Yes No

Including you, how many people work with or for your business?How many people work with you or help you out?

Full-time employees

Part-time employees

Trustees

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 full-time or part-time employees
unpaid trustees and volunteers

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

What's your annual payrollwage bill? £

This should be the total, gross, annual amount the company pays to its permanent employees.

Exclude bonuses, dividends and commissions.

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'.

This should be the total, gross, annual amount the organisation pays to its permanent employees.

Exclude bonuses, dividends and commissions.

If you don't have an annual payroll, please put '0'.

This is the total amount you pay permanent employees, including you. We need it to work out how much your employers’ liability insurance costs (compulsory for employers). We won’t share your numbers with anyone.

Do you work outside the UK or under non UK-law contracts?

Yes No

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.

Do you work outside the EU or under non EU-law contracts?

Yes No

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.

How much of your turnover comes from working in:

% United Kingdom

% Ireland

% Europe (excluding UK and Ireland)

% USA and Canada

% Rest of the world

% Total

Please give us an idea of how much work you do where.

Work out roughly what percentage of your annual turnover you generate in each of the geographical areas listed, making sure the total adds up to 100%. If you do all of your work in one geographical area only, make that figure 100% and leave everything else as 0%.

How much of your turnover comes from contracts subject to the laws of:

% United Kingdom

% Ireland

% Europe (excluding UK and Ireland)

% USA and Canada

% Rest of the world

% Total

We need to know which country’s laws the work you do is governed by. Contracts are sometimes written under one country’s laws while the actual work is carried out elsewhere.

Work out roughly what percentage of your annual turnover comes from contracts written under the laws of each of the geographical areas listed. Please make sure the total adds up to 100%. If you do all of your work under the laws of one geographical area only, make that figure 100% and leave everything else as 0%.

Are you, or any of your principals a chartered surveyor?

Yes No

Are you a member of any of the following professional associations?

What's the construction value of the largest contract or project you've worked on, or are likely to work on in the next 12 months? £

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.

Please review the question in 'Your business in detail'. Select what you do from the list, or call us on 0345 222 5399.