- Compare business insurance through specialist brokers
- Cover options for property, liability, and business risks
- Specialist cover for all types of businesses
- One form connects you to multiple brokers
Business Insurance
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Why Use QuoteSearcher for Business Insurance?
Insurance needs vary widely from one company to the next. A sole trader working from home faces different risks from a restaurant with a full team of staff, just as a commercial property owner has different exposures to a tradesperson working on client sites.
Rather than applying to insurers directly, QuoteSearcher introduces you to brokers who have experience in arranging business insurance and who can take the time to understand your business before outlining cover options. This means you only need to complete one short form, and brokers will get in touch to discuss your circumstances, saving time and helping you explore the right type of cover for your business.
What Is Business Insurance?
Business insurance is a term used to describe a range of insurance types that aim to protect businesses against the risks they face day to day.
The cover that is relevant to your business will depend on a number of factors, including the size of your business, the industry you operate in, whether you employ staff, and the nature of the work you carry out. Some types of business insurance are a legal requirement, while others are commonly arranged to manage financial exposure.
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Types of Business Insurance Cover
Depending on the broker, as well as how your business operates, you may need to consider one or more of the following types of cover. Brokers will be able to advise on which are most appropriate to your situation.
Employers’ Liability Insurance If you employ anyone, full-time, part-time, temporary, or volunteer, employers’ liability insurance is a legal requirement in the UK. It may provide cover if an employee makes a claim following injury or illness arising from their work. Failure to hold this cover could result in significant daily fines. | Directors and Officers (D&O) Insurance D&O insurance is designed to protect company directors and senior decision-makers from personal liability arising from claims made against them in their capacity as officers of the business. This could include regulatory investigations, shareholder claims, or allegations of mismanagement. |
Public Liability Insurance Public liability insurance is commonly arranged by businesses that interact with customers, clients, or members of the public. It may help cover legal costs and compensation if a third party is injured or their property is damaged as a result of your business activities. While not a legal requirement, many businesses consider it an essential form of protection. | Professional Indemnity Insurance If your business provides advice, consultancy, design, or specialist professional services, professional indemnity insurance could help protect against claims arising from errors, omissions, or alleged failures to meet professional standards. In some industries, it is a regulatory requirement or a condition of working with certain clients. |
What Affects the Cost of Business Insurance?
The cost of business insurance can vary significantly depending on a number of factors that insurers and brokers will take into account when assessing your policy. These may include:
• The size and type of your business
• The industry or sector you operate in
• Whether you employ staff, and how many
• Your annual turnover or the value of work you carry out
• The nature and location of your premises
• Your claims history
Because these factors differ from one business to the next, insurance is often arranged on an individual basis following a conversation with a broker who understands your circumstances.
Legal Requirements for Business Insurance
While not all types of business insurance are compulsory, some forms of cover are required by law in the UK.
Employers’ liability insurance is a legal requirement for virtually all businesses that employ staff, regardless of whether they are full-time, part-time, temporary, or volunteer. Businesses that fail to hold valid employers’ liability cover could face fines of up to £2,500 per day.
Certain regulated professions, including financial advisers, solicitors, and accountants, may also be required by their regulatory bodies to hold professional indemnity insurance as a condition of trading.
If you are unsure which types of insurance are legally required for your business, a specialist broker may be able to advise based on your industry and circumstances.
Get Business Insurance Quotes Through QuoteSearcher
To explore your business insurance options, simply complete our short form and we will connect you with experienced brokers who can discuss the types of cover available based on how your business operates.
