November 29, 2022



Business Insurance

Employers’ liability insurance covers you against work-related injury or illness claims from employees. And in...

Employers’ liability insurance covers you against work-related injury or illness claims from employees. And in most cases, if you have someone working for you, it’s required by law. Public liability insurance protects your business against accidental injury and property damage claims from your customers, visitors or people you visit. Choose insurance covers including buildings and contents insurance, computer cover, as well as public liability. Public liability insurance covers the costs that you’re held liable to pay if a member of the public is injured whilst on your premises or if you damage their property. Event organisers, for example, may need to see proof of public liability insurance before letting you trade at their craft fair.

business insurance

Professional indemnity insurance can protect you if someone says you’ve provided inadequate advice, services or designs to a customer. Public Liability Insurance Protects you if a member of the public or visitor to your premises suffers injury or property damage. Different businesses will need different levels of cover, so the cost of insuring a business will differ. We let you design your own Small Business Insurance, so you’re in control of what aspects of your business you insure and how much you pay. Tools removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, and handheld survey equipment.


Charlotte Lawson sheds light on a lesser-known type of commercial cover, outlining the importance of trustee insurance. Read this explainer to learn more about the employers’ liability certificate and how to display yours correctly. I will definitely recommend Hiscox to other small business owners. If you’re working for client who has asked you to complete a questionnaire regarding your insurance coverage, please send this to us via email. Our standard turnaround for a response on these queries in most cases 48 hours. You can find all the details of your renewal online within your AXA account.

  • Choose too low a level of cover, and you’d be personally liable for any shortfall should a large claim be made against you.
  • There are different types of cover available to suit your business needs.
  • Employment practices liability is slightly different and protects the managers of a business against employee claims.
  • Based businesses increased, compared with the first two quarters of the year.
  • Each email is packed full of exclusive money-saving deals, handy hints and tips and news about our latest products and offers.
  • Yes, you can buy business insurance before registering your business, and even before you’ve started trading.

If you’re still not entirely sure what business insurance you need, that’s okay. When you get a quote, we’ll ask you some specific questions up-front that’ll help guide you in the right direction – no matter what your business does. Cover for businesses that are run from home, including cake makers, tutors, eBayers, designers, consultants and many more. Select from a range of covers to suit your needs such as public liability, goods in transit and business equipment cover.

Why Hiscox Business Insurance?

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you. Add any of the following cover options to your Small Business policy and create commercial insurance that fits your business needs. We don’t need your company registration number or any business registration information. All we need are details on your business address, trade type and your actual/projected turnover.

Can I Get Business Insurance Before Registering My Business?

It can protect your work, your people, your reputation, and ultimately, your future livelihood. Our private health insurance gives you fast access to eligible health treatment when you need it. Whether you’re a small, home-based eBayer, or run a building company with several employees, there’s a range of covers available to make sure you’re trading responsibly. As a business owner, it’s sometimes difficult to understand what insurance you need, and how much of it to buy to make sure your livelihood is protected. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a builder, you may also do roofing work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy.