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Covers the costs of fixing your mistakes, and defends you against allegations you’ve not done your job properly. A must-have for business with paying clients.
And you’re off. You’ve made the leap and got your own business up and running.
That’s great. But hold those horses just a sec. Because first you need to think about protecting what you’ve started.
The thing is, business isn’t always plain sailing. And no matter the cut of your start up jib, there’s always a chance of something going wrong.
If that happens, start up insurance can be the life belt that helps keeps your head above water. It can save your start up from coming to an untimely stop.
We recommend it, yes.
Even small mishaps can quickly stack up into sky high legal costs. We’re talking many tens of thousands of pounds for legal defence alone… and that’s before the compensation bill from your client rolls in.
Fighting a claim also takes time and energy – things often in short supply when you’re busy putting 110% into launching your start up.
Having start up business insurance means all your claims are handled quickly and by an expert. You get all the legal advice you need, plus your court costs and compensation are covered too.
With your time, resources and finances ring-fenced, you can get on with turning your start up into a success, knowing your business is protected if anything does go wrong.
How much you pay for start up business insurance depends on the types of cover you buy and how much. It goes without saying that the more insurance you buy, the higher your premium will be.
We’d suggest getting professional indemnity, public liability and contents & portables insurance. That way you’re covered for any mistakes you make, any unexpected accidents, and any losses or damage to your kit.
With professional indemnity, it’s worth thinking about your worst-case scenario and how much it could cost you. For contents, you just need to make sure you buy enough cover for all your kit – from your tiniest pen to your most expensive piece of tech.
There’s other start up insurance you could go for, including cyber insurance to protect you if you store your clients’ data electronically.
However, a basic package of professional indemnity and public liability insurance for start ups starts from around £12 a month.
You can read up on the different types of business insurance for start ups here.
As a bare minimum though, we’d say you shouldn’t be without:
You might want to bolt on business interruption insurance as well, to help you carry on trading following a surprise event like a fire or flood.
Cyber insurance is also advisable for any business that runs its own website, uses email or stores customer details electronically.
And remember, if you employ staff, whether that’s a small team of people or a few temps to help out occasionally, then you’re legally obliged to have employers’ liability insurance as well.
We cover start ups in all different shapes and sizes – from office-based ones to mobile operators, from business and technology consultants to trades (cleaners, gardeners etc), beauty therapists and hairdressers.
Generally, business insurance for start ups doesn’t vary too much in cost. But if you’re worried about certain risks, or would like a more personalised quote, you can always talk things through with us.
There’s no big call centre or phone menu here, so you’ll get straight through to a friendly expert who can help.
We’re professional insurance experts. So, we know exactly what start up business insurance you need to protect yourself.
We only use top insurers and we make buying a policy super easy. You can get everything you need online in just a couple of minutes, with documents delivered straight to your inbox.
We don’t charge admin fees, which means there’s nothing extra to pay. And we give you free stuff, like an ‘I’m insured badge’ for your website. Oh, and a cash bonus each time you recommend us.
But it’s customer feedback that really counts. We reckon ours speaks for itself.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.