A Guide to Employers Liability Insurance

Employers Liabilty insurance explained
PROMOTED GUIDE – This is a promoted guide from our Insurance Partner, Digital Risks. Digital Risks, offers affordable, highly personalised business insurance as a flexible, monthly subscription.


When starting out as a small business, hiring your first employee is a big milestone. With that comes great responsibility for you as a business owner as well as an employer.

As your team grows, many more challenges come in to play, such as finding like-minded people and building the right culture. But first, you must take care of the basics. (more…)

What’s Cyber Insurance & How Can It Protect My Business?

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If you’re reading this, there’s a good chance cyber security is already on your radar. That’s a good place to have it, because cybercrime is relentlessly on the up.

Data breaches, phishing scams and ransomware attacks fill the digital headlines. All of which begs the question: How do you protect your business from hackers and their devious, money-grabbing, data-stealing ways? (more…)

What Should You Do If You’re Hit by a Cyber Attack?

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Cyber-attacks aren’t letting up, with corporate giants such as Facebook, British Airways and Marriott International all hitting the headlines in the last 12 months.

Yet, despite publicity around these high-profile cases, for small businesses, it’s still tempting to think that cyber attacks aren’t something that you really need to worry about. (more…)

ByteStart’s Guide to Professional Indemnity Insurance – What You Need to Know Before Buying Cover

Guide to Professinal Indemnity Insurance

If you are in business, or are starting up a new venture, and are providing any type of professional service to clients, you will need to look at taking out Professional Indemnity Insurance cover.

Professional indemnity insurance, or PI insurance, as it’s often called, is an insurance policy that will protect you from claims made by clients who are not satisfied with the work you have done for them. (more…)

Which Types of Insurance Must Your Business Have?

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As with owning a car, you are legally required to take out certain insurances when running a business. If you don’t you can be fined heavily and could put your entire operation at risk. It’s also sensible to have some of the many optional business insurance policies available to cushion you from nasty shocks.

With dozens of different types of insurance cover available for businesses, here’s ByteStart’s review of the main insurances that businesses ‘must have’, some insurance cover you ‘should have’, and several ‘could have’ policies. (more…)

Compulsory & Optional Insurance for Tradesmen

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Tradesmen who are looking for the most appropriate type of insurance when setting up a business can often find themselves confused with the sheer number of options available on the market.

From the all-encompassing tradesman insurance, to policies tailored to specific trades, e.g. electrician insurance, the choice can be overwhelming. So to help you work out what policy would suit you, we’re taking a look at the compulsory and optional insurance cover tradesmen can choose from. (more…)

A Guide to Key Person insurance

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Whether you are a new startup or a large company, it’s more often than not the people who are key to the success of a business. A business that relies on a technical website or important machinery cannot get far without a top web developer or skilled operator to keep things running smoothly.

With some people being critical to the success of a business, what protection do you have in place if any of your key people die, or becoming seriously ill? (more…)

Guide to Intellectual Property Insurance for Start-Ups and Small Businesses

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As much as 80% of business value is now made up of intangible assets such as Intellectual Property. In fact, we are in the epicentre of an IP revolution – with more start ups emerging, creating and innovating in ways only once dreamed of.

Best practice dictates that businesses need to protect their innovation – typically done by applying for patents, trademarks or designs. However, the battle to protect their most valuable asset unfortunately does not stop there. (more…)

A Guide to Income Protection Insurance for Sole Traders & Start-Ups

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Making the decision to become self-employed can be daunting, especially if you’ve been an employee on a regular salary with all the perks that can bring, like a pension, holidays and sickness pay.

The transition from this relative security to going it alone is not always easy, but there are steps you can take to help protect you financially should the need arise, allowing you to concentrate on growing and developing your business. (more…)

Working From Home – Insurance Policy Pitfalls to Watch Out For

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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.

One thing that many people don’t think about with their home-based venture is insurance. Existing house insurance policies are designed to cover domestic arrangements, and may actually be invalidated by you working at home.

Shop, Pub & Restaurant Insurance – Make Sure You’re Covered

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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 guide to the insurances you may need.

Guide to Van and Business Vehicle Insurance

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Like private vehicles, business vehicles and vans must be insured, with minimum levels of cover a legal requirement.

But like many things in the business world, cutting back on initial costs can prove to be false economy in the long run – so what should you consider when arranging your business vehicle cover, and when should you consider putting up a little extra cash? (more…)

IT Contractor Insurance – Professional Indemnity, Liability Overview

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Contractors and freelancers provide professional advice and services to clients and as such, might well be liable for any mistakes or errors they may make in the course of their duties.

As a result, contractors should take out insurance cover just in case something goes wrong. In many cases, clients will insist that a contractor is covered by a professional indemnity policy before hiring them.

Guide to Tradesman Insurance

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For many small business owners 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. (more…)