Just like driving a car, you are required to have certain insurances to run your business (third party fire and theft), and it’s advisable to have others (fully comprehensive).
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Business Insurance Guides
Key Guides
- Public Liability InsuranceProtects your business against third party claims from the public.
- Employers’ Liability InsuranceCover if an employee is injured or falls ill at work.
- Directors & Officers InsuranceIf you’re accused of wrongdoing while engaged on company business.
- Office Insurance CoverCover for premises and contents ifyou rent or own business property.
- Tradesman InsuranceCover is a must for tradespeople, who cannot afford time off work.
- Landlord InsuranceProtect your property from potential disasters, including tenants.
- IT Contractor InsuranceWhat policies you should take out if you’re working as an IT contractor.
- What Insurance Must You Have?What type are required by law?
General Business Insurance
- Professional Indemnity InsuranceProtection from claims if you provide professional services to clients. A no-nonsense overview for small business owners.
- What is PI Insurance?A basic overview of professional indemnity insurance, and some things to look out for when choosing a policy.
- Visit Hiscoxfor Liability, Office and PI Insurance.
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- Marketing & Media Specialists
Professional Indemnity
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Specialist PI Insurance Guides
If members of the public, customers or clients visit your business premises, you should consider taking out a public liability insurance policy. Even if you run a home-based business, and your customers visit you sometimes, you might consider taking out a policy.
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If you’ve been asked to buy or recommended to have professional indemnity insurance, but you’re still a little unclear about exactly how this cover works to protect your business, you may appreciate this simple, easy to understand beginners guide written by leading specialist insurer Hiscox
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Employers Liability Insurance covers your small business if an employee is injured or falls ill at work.
All employers must take out this type of insurance, although there are a few exemptions, such as if you are the sole employee of your limited company, and also own at least 50% of the share capital in the company.
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If you are a marketing or media professional, and clients rely on the advice you provide, you may benefit from taking out professional indemnity insurance cover.
A PI policy will protect you in case a client claims against you for mistakes you may have made during the course of your work.
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If you are starting up a new business, and are providing professional services to clients, you may have considered taking out Professional Indemnity Insurance cover.
This type of insurance will cover you in the event that a claim is made against you as a result of work done for a client (negligence), as well as dishonesty, loss or damage to the client’s data, defamation, and any alleged breaches of the client’s intellectual property.
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In simple terms, professional indemnity insurance will cover you in the event that a client makes a claim against you for work you have done for them.
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2.1 million businesses are run from home according to research and 60% of new businesses are started at home – that’s 1,400 a week.
And no wonder. Starting a business is hard enough; when you do it from home you immediately remove a large layer of cost and risk. You can use existing rooms, computer, electricity, phone and internet access.
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For many small business people, whether they are plumbers, electricians, builders, or designers, the thought of being the recipient of an insurance claim for injury or property damage can be stressful.
Without adequate insurance cover, costly claims could even put your business at risk.
Fortunately, not only can you take out comprehensive cover against potential claims against your business, but this cover does not need to be expensive. Most “trades” can be covered with ease – for example builders, painter/decorators, carpenters, electricians, plumbers, heating engineers, gardeners and handymen.
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One of the costs that’s easy to forget about when you first get premises for your business is office insurance.
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Directors and Officers insurance, or D&O insurance, covers company directors and officers in the event that they are accused of being engaged in wrongful or misleading acts whilst conducting company business.
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Public liability insurance will cover your business if you are sued by a third party for accidental bodily injury or property damage. It will cover your company in the unfortunate event of injury or even the death of a third party.
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If your business needs to use a vehicle in any way, it’s vital to make sure it is correctly insured. This guide looks at what you should look out for when choosing a van or other business vehicle insurance policy.
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If your new business venture is a shop, pub or restaurant, there are a number of unique risks you will need to insure against.
Unlike an internet-based business or one run from an office, you will have greater contact with the public. And in the legally-aware society we live in, that exposes your business to a greater risk of being sued!
Before you sign the lease on your first premises, use this complete Bytestart guide to the different kinds of shop insurance you may need.
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Insuring certain aspects of your small business is essential. Some types of small business insurance you may wish to take out for peace of mind (such as contents insurance), others are required by law. You should seek professional advice and make sure you take out the appropriate cover for your business needs.
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Professional Indemnity insurance covers small business people who provide specialist advice to other companies. People who are in the business of selling their skills or knowledge may wish to be protected in the event of a negligence claim as a result of services they have provided to a third party.
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Contractors and Freelancers provide professional advice and services to a wide variety of clients and as such they may well be liable for any mistakes or errors they may make in the course of their duties. As a result, many contractors take out insurance cover just in case something goes wrong. In some cases, clients will insist that a contractor is covered by a professional indemnity policy before hiring.
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Whether you are a sole trader, director of a limited company or set-up as a partnership it is unlikely that you have any sick pay entitlement. For smaller businesses it is also very unlikely that any company paid group income protection scheme is in place.
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There are many different types of Landlord. From the individual who is renting out their second home to the ambitious property tycoon with an ever-increasing portfolio of trendy dockside apartments. The common theme for all landlords is the need to purchase landlords insurance to protect their investment.
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Tax investigation (IR35 insurance) cover will protect you in the event that you in the event that an enquiry is made into your tax return, or via a PAYE compliance visit. In some cases, this could result in a Tax Tribunal (formerly Commissioners’ Hearing).
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