Insurance In Focus

Business Insurance

Business Insurance

Business insurance, explained — from the policy wording to the claim

Cover for UK businesses of every size — what public liability, employers’ liability and professional indemnity include, how business interruption and claims work, and what to do when something goes wrong.

Browse subhubs Read sample guides

Explore Business Insurance by topic

Each subhub answers specific questions for business owners and explains what the current market and regulator expect.

Public liability

Cover for injury or damage claims from clients, visitors and the public.

Employers' liability

Compulsory cover for claims from your own employees.

Professional indemnity

Cover for negligence claims from giving advice or making errors.

Buildings & contents

Commercial property cover for premises, stock and equipment.

Business interruption

Replaces lost income when damage stops you trading.

Cyber

Cover for data breaches, ransomware and cyber business interruption.

Claims

How the claims process works and the evidence insurers expect.

Complaints & disputes

Challenging a rejection through the insurer and the Ombudsman.

Sample resources

Guides & analysis

Cyber insurance for landlords

Landlords face data and systems risks from tenant data and smart devices. Understand the cyber cover that meets those exposures.

Cyber insurance for small businesses

Cyber insurance for small firms now fits tighter budgets. Understand the cover that meets common threats and how to qualify for a policy.

Ransomware and cyber insurance

After a ransomware attack, cyber insurance can pay extortion and recovery costs. Understand what is covered, the reporting duties and the limits.

What cyber insurance covers

Cyber insurance covers breaches, extortion, business interruption and liability. Understand what a policy pays and the limits that apply.

What a business insurance pack covers for small firms

A business insurance pack bundles liability, property and extras for small firms. Understand what is included and the gaps to watch for.

SME liability insurance: public, employers’ and product cover

SME liability insurance covers public, employers' and product risk. Understand when each is required and the ombudsman route if a claim is refused.