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Answers to common questions about arranging business and commercial insurance with Insure24, from liability cover and policy documents to claims and quote information.
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What commercial insurance does my business need?
The right cover depends on your trade, premises, staff, contracts, stock, equipment, advice exposure and turnover. Common covers include public liability, employers' liability, professional indemnity, products liability, commercial property, business interruption, cyber, tools, stock and commercial vehicle insurance.
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Is employers' liability insurance required?
Most UK businesses that employ staff need employers' liability insurance. There are limited exemptions, but if you have employees, labour-only subcontractors, apprentices, temporary staff or volunteers, the requirement should be checked carefully.
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What is public liability insurance?
Public liability insurance can respond if a customer, visitor or member of the public alleges injury or property damage connected with your business. It is often requested by landlords, event organisers, councils, principal contractors and commercial clients.
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When might professional indemnity insurance be needed?
Professional indemnity can be important where your business gives advice, designs, specifications, consultancy, inspections, certification, training or other professional services. Some client contracts require it even where the work feels practical rather than advisory.
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Can commercial insurance cover stock, equipment and premises?
Yes. Commercial property cover can protect buildings, tenants' improvements, contents, machinery, tools, stock and computer equipment depending on the policy. Business interruption can also be considered where a property claim could stop trading.
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What information helps Insure24 arrange a business insurance quote?
Useful information includes your trade, business activities, annual turnover, wage roll, premises details, stock and equipment values, previous claims, required indemnity limits, contract requirements and whether you use subcontractors or work away from your premises.
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Can commercial insurance cover more than one type of risk?
Yes. Many businesses use a combined commercial policy that brings several covers together, such as liability, property, stock, business interruption, money, goods in transit, cyber or legal expenses, depending on the risk and insurer appetite.
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How do business insurance claims work?
You should report the incident as soon as possible, preserve evidence, avoid admitting liability, follow any policy conditions and keep invoices, photos, witness details, contracts and correspondence. The insurer or claims handler will confirm the next steps for the type of claim involved.