Business insurance is one of those things you hope you never use — but the wrong cover (or none) can end a business overnight. Here's what you actually need.
What you actually need
Public liability is the cover everyone buys and the one most misunderstood. It pays out when you injure someone or damage their property, and nothing else. It won't cover your stock, your van, your laptop, or a claim that your advice cost someone money. Meanwhile employers' liability becomes legally compulsory the moment you have staff, and the fine for going without runs to thousands a day.
Be careful how you answer the questions, too. Insurance is priced on what you tell them, and a policy bought on a slightly-wrong description of your trade can be worthless at exactly the moment you need it. If what you do has changed since you bought it, tell them — an honest update is cheaper than a declined claim.
Run a business in this trade and think you should be on our list? Get in touch — it's free and there's nothing to buy.
Directory
Most business insurance around here is written by national insurers or online brokers rather than local firms, and the local brokers that do exist win work by referral rather than Google reviews. We'd rather leave this page honest than pad it with national names.
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