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)