February 6, 2023


Business/Industrial Goods and Services

Small Business Insurance business insurance

Business insurance policies can cover you for property damage, legal liability and employee-related risks, to name a few. The level of cover you need will depend on the type of business you own. As no two businesses are the same, it’s important that you get a policy that is right for you and covers exactly what you’re looking for. Some liability insurance policies are a legal requirement for businesses such as employers’ liability, whereas others such as public liability cover is prudent and recommended to protect you. The liability insurance you need will depend on factors such as business activities, size and location of your business.

  • This cover protects you against any costly claims made against you or your business.
  • Medical malpractice insurance can protect you against the cost of legal defence and compensation payments.
  • It can protect your work, your people, your reputation, and ultimately, your future livelihood.
  • With the largest environmental underwriting team in Europe and high capacity, AIG can provide expert decision making and added value consultancy services in local markets.

Personal accident cover provides payment if anyone in your business between the ages is unable to work because they’ve been injured in an accident, whether in a business or personal capacity. 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. We know how important tools and equipment are for tradespeople. Pays the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.

The kinds of crime businesses fall victim to is also changing all the time, meaning crime insurance is a fast-evolving type of commercial cover. Directors have responsibilities that go above and beyond your average employee – which is both a reward and a risk if something goes wrong. Obtaining directors’ and officers’ liability insurance protects you if any claims are made against you in your role as company director.

Package & Combined Policies

Whether you run a business with multiple employees or operate as a sole trader from your spare room, our liability insurance policies can help to protect you and your business. Legal defence costs are included across our public liability policies. A range of limits are available to suit your business and budget, and you can combine the policies you need to ensure your business is adequately protected. 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.

Invest in one of these policies and your business will be covered if you’re the victim of theft, damage to property, or fraud. For more information on our business insurance policies and the impact of Coronavirus. It’s essential for those tradespeople that rely on their tools day in and day out for getting the job done.

Simply Business is one of the UK’s biggest business insurance providers, covering both small businesses and landlords. We can help you find exactly the right insurance policies to cover every area of your business. We offer a comprehensive range of business vehicle insurance to suit every industry and requirement — saving you time, money and hassle. Yes, you can get business insurance before registering your business. When you’re buying business insurance, you probably won’t be asked for your company registration number or other registration details.


So, we’ve made your insurance easy to read and hassle-free to buy. Call us and you’ll talk to bright, knowledgeable people who have your interests at heart. We’ll be with you from helping you choose your cover right through to fighting your corner if you claim. Us looking out for you means you’ll spend less time doing insurance and more time doing business.

Business insurance premiums can be a significant expense for a small business. If you can find ways to keep those expenses down, it will lower the amount of cash flowing out of your company. Lowering the amount you pay in insurance premiums will benefit your business overall. Safeguarding the financial security of your business is essential. That’s why we’ve teamed up with our partner AIG to bring you a number of options should you, or a key person, partner or shareholder, become critically ill or worse. Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.

You can put together your own training or bring in a third party to conduct a programme or seminar. Whether you run an established business or are just starting out, each year you can benefit from comparing the rates that different insurance companies offer. Our team of expert advisors can help you find exactly the right protection to cover every area of your liability. Our team of expert advisors can help you find exactly the right protection to cover every area of liability. If a waiter working at a restaurant slips on a wet floor where there’s no sign and breaks their leg, then you might needemployers’ liability insurance. To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months.