Small Business Insurance

If your business encounters members of the public, public liability insurance is crucial. This type of insurance will protect you against compensation claims for injury or damage made by clients, customers, suppliers or other third parties.

Professional Indemnity Insurance is recommended to companies that provide a service or advice to another business, or if the company handles client data or intellectual property. If you were to get sued by a company you are working for because you made a mistake and lost them money, this cover would pay for any compensation claims or legal fees.

If your company employs staff, you are legally required to have employer’s liability insurance. This policy will cover compensation claims made by a member of staff it they have suffered illness or injury whilst at work.

This protects you should one of your customers suffer damage as a result of a faulty product. This policy is especially important to businesses in the retail and technology sectors.

Small businesses are extremely reliant on the people working from them and so this cover could prove to be particularly useful if you or an employee were unable to work due to an accidental injury. This policy can also pay out for lost income, medical costs and hospitalisation.

This type of cover is crucial for anyone using data such as computer programmers or marketeers. This policy will cover you for any accidental data breaches made by yourself or an employee and will also cover your business if it was victim to a cyber-attack.