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Business Insurance

Compare all types of Business Insurance with QuoteSearcher. Please click on the product below you are interested in and complete the short form to compare a number of quotes.

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Very quick responses and completed selection and purchase of a very competitive new policy within 24 hours.

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Excellent service and delivered quicker than the website said. Have bought and will buy much more from here. Prices very competitive and often much cheaper. Yet to find something I want that they don't have.

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Frequently Asked Question about Business Insurance

    • What is business insurance?
      Business insurance is designed to help protect companies against financial risks associated with their operations. This can include cover for property damage, liability claims, employee-related risks, and interruptions to trading. The type and level of cover available will depend on the nature and size of the business.
    • What types of business insurance are available?
      There are several types of business insurance available, including public liability, employers’ liability, professional indemnity, property insurance, and business interruption cover. The combination of cover will depend on how your business operates. Brokers can outline the different types of insurance and explain which options may be relevant to your business.
    • What does business insurance typically cover?
      Business insurance policies can include cover for risks such as property damage, theft, third-party injury or damage, and employee related claims. Some policies may also include protection against loss of income if your business is unable to operate. The exact cover provided will depend on the policy and insurer.
    • Is it illegal not to have business insurance?
      In the UK, employers’ liability insurance is a legal requirement for most businesses that employ staff. Other types of business insurance are not legally required but are often arranged to help manage financial risks. Requirements may vary depending on the nature of your business and contractual obligations.
    • Do I need business insurance as a sole trader or when working from home?
      Sole traders and those working from home may still require business insurance, depending on the type of work carried out. Standard home insurance policies may not cover business-related activities or equipment. Brokers can explain what cover may be needed based on how and where you work.
    • Do I need to tell the insurer everything about my business?
      Insurers require accurate and complete information about your business to assess risk and arrange cover. This may include details about your activities, employees, turnover and premises. Failure to disclose relevant information could affect your policy.
    • Why do I need to declare turnover and payroll?
      Turnover and payroll information helps insurers understand the size and scale of your business, as well as the level of risk involved. This information is often used when calculating premiums, particularly for liability-based covers. Brokers can explain how these figures are used by insurers.
    • What is business interruption insurance?
      Business interruption insurance is designed to help cover financial losses if your business is unable to operate due to an insured event, such as fire or flood. This may include loss of income or ongoing expenses during the disruption period. Cover and limits vary depending on the policy and insurer.
    • How is the cost of business insurance calculated?
      The cost of business insurance depends on factors such as the type of business, size of operations, number of employees, turnover, and the level of cover selected. Insurers may also consider claims history, location, and the nature of the work carried out. Brokers can explain how these factors influence pricing.
    • Can I combine different types of business cover under one policy?
      Some insurers offer combined business insurance policies that include multiple types of cover within a single arrangement. This can include liability, property, and business interruption cover. Availability and structure vary by provider, and brokers can explain how combined policies are arranged.