Frequently Asked Questions

Do I need business insurance?

There are three forms of insurance that are compulsory for a business.

  1. Employers’ Liability – if the business has employees.
  2. Motor Insurance (including cover for business use) for business vehicles.
  3. Professional Indemnity – for certain professions e.g. Accountancy & Law.

Other insurances are discretionary, but their presence can lend credence and a sense of professionalism to your business. A decision on what types of insurance you might consider necessary can be made after a full appraisal of the risks involved, the consequences of being uninsured, and the costs of insurance. The most common types to consider are public liability, buildings & equipment, product liability, business interruption (sickness / disaster) and goods in transit.

If you need a more detailed response or would like to know more about how we can support your business, please contact us by using our Contact Us form, or alternatively you can email us at or call us on 0844 2640390