Business Insurance Quotes

Though it’s not a requirement to have business insurance when working from home, there are some different types of insurance that it might be worth considering. Business insurance can also offer credibility to your business, demonstrating to prospective customers and potential employees that you are trustworthy to do business with. Our private health insurance gives you fast access to eligible health treatment when you need it. Simply Business is one of the UK’s biggest business insurance providers, covering both small businesses and landlords.

However, it’s important to note that your insurance policy might be invalid if you begin trading before your trade licence arrives with you, meaning potential claims might not be paid to you. If your business has staff – even if they’re volunteers, apprentices, contractors or temporary – then employers’ liability insurance is a legal requirement under the Employers’ Liability Act 1969. With AXA’s public liability insurance, you can choose to take up to £5 million cover. Remember, some clients or contracts might expect you to have a certain level of cover before working with you. For example, if you’re working for a large organisation or council authority, they’ll likely need you to have a higher level of cover. The type of liability insurance you will need will depend upon your business.

We’ll cover your shop and contents in the event of damage and theft, with Employers Liability included. As well as insurance, you can get inspection and engineering consultancy services from Allianz that can help you comply with UK health and safety law and keep people and property safe. At Travelers we want to ensure you, our broker partners, have all the right tools to help you grow your business and provide the right cover for your customers.

If you’re self-employed and something goes wrong, you’ll be the one responsible for footing the bill. Will offer protection should they have an accident or suffer an injury while on your premises. A guide to National Insurance and preparing for the cost of having employees. We don’t need your company registration number or any business registration information.

From large machinery to your usually trusty photocopier or even a network server, problems with the running of these items can cost both time and money. You can get business insurance before your limited company is officially registered, which is great news for start-ups, since it offers full protection from day one of trading. When you set up a new business, taking out insurance might be one of the first things you do to ensure any property, vehicles, IT systems and liabilities are taken care of. If your main supplier or customer suffers damage to their premises and can’t trade, we’ll cover you for the loss of business you’ll suffer.

Sole traders, consultants and the directors of limited companies can all benefit from our commercial covers. Hiscox offers specialist cover for all kinds of companies, from new micro-businesses to family enterprises and growing SMEs, across a wide range of industry sectors. Our online quote tool gives you the option to enter all your trades so that we have a clear idea of what type of cover you might need.

Our commercial combined policies contain all of the standard insurances. In addition our customers benefit from a range of extra covers and services that other insurers may not provide. These are designed to help our customers reduce their risks of having to claim or to broaden their protection. These cyber threats have become more prevalent meaning protecting your data and your business has never been more important. Put a comprehensive cyber insurance policy in place and you’ll be covered for the time and money it takes to fix a data breach or hack.

Employers’ liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here. Home insurance, commercial business policies, and comprehensive motor insurance all cover damage caused by storms. So if someone is injured or becomes ill as a result of working for you – even years down the line – you’ll have confidence in knowing you’re covered. Depending on what you do, you can also choose up to £5 million professional indemnity insurance. The same rules apply – the bigger your client, a higher the level of cover needed.

As quickly as the technology sector changes, your insurance protection needs to evolve with it so it can keep pace with your company’s risks and priorities. Travelers can help you anticipate the risks that the future may bring so your company has more freedom to innovate. Customer data is a critical asset for businesses – and an attractive target for criminals. As cyber crime becomes more complex, businesses need to have up-to-date protections in place. Eligible deposits with us are protected by the Financial Services Compensation Scheme .

Such people might include the directors of small businesses and non-profit trustees. Other types of commercial insurance can help to recover your IT systems and safeguard property and specialist equipment. 2 Based on AXA Business Insurance claims made between July 2018 and June 2019.