Help with Business Insurance
Just call us on 0800 294 0905 if you need help the choosing cover that's right for your business.
Lines are open Monday to Thursday 8:30am to 6pm and Friday 8:30am to 5pm.
Business insurance terms explained
| Type of cover | What it typically covers | Why? | Notes |
|---|---|---|---|
| Buildings, contents, fixtures, fittings and stock | Business property, fixtures, fittings and stock | Protects against a range of incidents such as fire, theft, flood, storm, explosion and malicious damage | 'All risks' widens cover including any accidental damage cover or loss (unless specifically excluded) |
| Business interruption | Loss of income | If damage occurs to the insured property that stops you from trading | |
| Employers' liability | Your legal liability to pay damages | If an employee suffers injury, illness or disease because of work | Required by law if you have one or more employees |
| Goods in transit | Loss or damage to property or goods in transit | If you're transporting items in your own vehicle | |
| Legal expenses | Covers legal fees and court costs | If legal action is taken against your business | |
| Loss of money | Money held in connection with a business | Protects your business money whilst on the premises and when your money is in transit or in a bank night safe | |
| Product liability | Your legal liability to pay damages | As a result of a defective product | |
| Public liability | Your legal liability to pay damages to a third party | If others suffer injury, illness, disease, or loss or damage to their property as a result of your business activities | |
| Tools and equipment | Tools and equipment | Provides cover including any accidental damage or loss (unless specifically excluded) |