Easy to review and purchase, reasonable costs, and they answered the phone quickly when i had an issue. Unlock cash tied up in outstanding invoices to improve your cashflow, help you to seize new opportunities and run your business more efficiently – provided by our partner MarketFinance. Tools, Stock and Business Equipment Insurance If you work from home and don’t own or rent business premises. The prospect of losing income is daunting for any business owner, especially if this happens due to events outside of your control. Personal accident insurance is designed to minimise the impact of a core employee who can’t come to work for over two weeks, or longer. Read our guide to understanding insurance terms to stay in-the-know.
Commercial property insurance, which covers the cost of repairing or rebuilding your business premises, or replacing your stock or equipment. 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. 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. 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.
- For more information on our business insurance policies and the impact of Coronavirus.
- Employers’ liability insurance is a legal requirement if you have employees.
- Employers liability insurance protects you, your business and your employees, if a member of staff makes a claim.
So, whether you’re a retailer or a dog groomer, an IT consultant or a photographer, you can choose the cover that’s just right for your business. And now, you’ll get a fast-upfront payment of up to £1,500 to help you replace your essential tools or business equipment if they’re stolen or damaged, with Tools Essentials. Our different cover options allow you to insure your business equipment and stock at your premises, when you’re on the move, or both.
Helping Customers Navigate The Transition To Net Zero
With professional indemnity insurance, any legal fees and compensation expenses will be covered – so you can continue with business as usual. We’ve helped customers with cases such as the software professional accused of sub-standard development work and also the wildlife photographer whose photography kit was stolen by baboons. While not required by law, bear in mind that some clients might ask for proof of certain types of insurance, like public liability insurance, before giving you work. As one of the UK’s biggest business insurance providers, we specialise in covers like professional indemnity insurance and employers’ liability insurance.
We’ll then send you a link to buy insurance at the right time for you. To get your gift card, you’ll need to use this link when buying your policy. Within 45 days of your policy start date, we’ll send you an email with instructions on how to redeem your reward. At Simply Business, we help small businesses find the right insurance. In our new TV ad, we’re showcasing some of the best names in business. Essential third party cover to fully comprehensive policies that go beyond standard policies.
Can I Get Business Insurance Before Registering My Business?
Public liability insurance protects you and your business if someone claims their property has been damaged, they were injured or fell ill because of you or one of your employees. Whatever you do for a living, accidents can happen, and they’re not always directly related to the job. If a customer, courier or passer-by makes a claim, a public liability insurance policy covers any legal and compensation costs. Some types of business insurance, such as employers’ liability cover, might be required for most companies under UK law.
Perfect protection against ‘where there’s blame there’s a claim’. Concentrate on your good cause and get the right cover for your organisation, whether you’re large, small, grass-roots or anything in between. We help charities, clubs and community groups find the cover they need, including trustee insurance and public liability insurance. business insurance policies can be written on two bases – ‘claims made’ or ‘claims occurring’.
Business interruption insurance covers your business’s income if you can’t trade because your property is damaged. We can’t cover you for any business interruption that arises as a result of Covid-19 or other pandemic events. With Hiscox, medical malpractice cover is available as part of combinedprofessional, treatment and public liability insurance.