Who this could suit
- Sole traders reviewing existing cover
- Small businesses taking on staff or new work
- Businesses checking whether current insurance still fits
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Up to 25% Off Business Insurance
Business offer · Explore cover for common small-business risks
About this offer
Review business-insurance options and, where eligible, access an introductory saving on suitable cover.
Business insurance is not one single product. The cover that matters depends on what the business does, where it operates, whether it employs people, the equipment it relies on and the type of work it performs for customers.
The value of an insurance offer therefore depends on whether the policy actually matches the risk. A lower premium is not useful if an important activity, limit or type of claim is excluded. The live provider journey will show eligibility, policy terms and the final premium before you decide.
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Match cover to the way the business really works
Start with the activities the business performs rather than a generic industry label. Think about customer premises, stock, tools, professional advice, online work and employees. Those details can change which types of cover are relevant.
- Public liability where customers or the public could be affected
- Employers liability where legally required
- Professional indemnity for advice or professional services
- Stock, equipment, premises or cyber cover where relevant
Compare more than the premium
Check the excess, policy limits and important exclusions. Two quotes that look similar on price may provide materially different protection.
If your circumstances change during the policy term, tell the insurer. New services, staff, premises or equipment can alter the risk and may need to be reflected in the policy.
Things worth checking
- Describe business activities accurately
- Compare excesses, limits and exclusions
- Check any legally required cover
- Review the normal renewal terms as well as the initial price
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