Business Insurance FAQs

Business insurance can be a tricky topic, so we've answered some of your frequently asked questions to help you find the right policy for your company.

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Who do I need to provide employers' liability cover for?

As a general rule of thumb, you need to provide cover for anyone who undertakes work solely for you in a paid capacity or who cannot employ a substitute if they are unable to do the work.

If I only employ subcontractors, do I have to include them on my employers' liability insurance?

You must provide employers' liability cover for the total number of subcontractors, for whom you are responsible, on site or working at your premises at any one time.

How is my business insurance premium calculated?

There are lots of different factors which may affect your premium. These include the size of your business, the type of work you do, how much cover you need, how long you’ve been in business and whether you have had any claims.

What are endorsements?

Endorsements are added to your policy when insurers need to make a change to the standard policy cover. They are used to increase or decrease the cover under the policy or may outline conditions you need to comply with.

What is business interruption cover?

If you can’t work because your property has been stolen, damaged or destroyed, business interruption insurance can make up for the money you lose while you’re unable to trade or additional costs you pay out to get back up and running.

Can I cover my tools, business equipment and stock?

Yes, these are key areas of many business insurance policies. Make sure you insure your property for its full value and keep receipts or other proof of ownership.

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