BUSINESS & PROFESSIONAL

Business insurance. Explained.

Build a cover plan around your work, people, premises and customers instead of a generic business label.

Start with what you need covered.

Business insurance is a collection of covers rather than one universal product. Describe what the business does, where it operates, who works for it and what it is contractually required to insure. A sole trader working online and a shop with employees can have very different priorities.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Liability covers

Discuss injury, property damage, professional advice and employee claims separately.

Property and interruption

Consider buildings, equipment, stock and the cost of an insured disruption.

Specialist risks

Ask about cyber incidents, unpaid trade debts, vehicles and sector-specific exposures.

BEFORE YOU CHOOSE

Four conversations worth having.

Activities

Does the business description include every material service and territory?

People

Have employees, temporary staff and subcontracting arrangements been explained?

Contracts

What insurance limits and obligations do customer or lease agreements specify?

Growth

How will new products, locations, turnover or equipment be reported?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

See how cover connects.

All insurance ↗