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Need a business insurance quote? Let the independent specialists at your local Coversure office compare their markets to find you quality business insurance protection. Your local Coversure office offers a simple solution to even complex commercial insurance risks, so start your quote today.
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What is Business Insurance?
Business insurance is a flexible policy that provides companies and other organisations with a range of essential covers on a single policy. Cover through Coversure can protect your premises, stock, and employees and is tailored to your business’s size and the type of work it carries out. With business insurance through Coversure, you can get quality protection against:
- Injury or property damage caused by your business
- Damage or theft of your business’s property or equipment
- Sickness or injury to your staff resulting from your organisation’s activities
- Business interruption should it be forced to close for a period of time
- Compensation claims should someone sue you over your business’s dealings
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Companies and other organisations that need protection from multiple risks will benefit from business insurance. Its flexibility means it can be tailored to almost any organisation as you can see from the following:
- Builders
- Shops
- Manufacturers
- Online businesses
- Distributors
- Hotels
- Charities
- Offices
- Pub and wine bars
- Accountants
- Lawyers
- Motor traders
- Wholesalers
- Barber shops and hairdressers
- Consultants
That is to name but a few. If you’d like some advice on whether this type of cover is right for you, please contact your local Coversure office. They’ll be happy to give you the help you need to keep you safe.
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What can Business Insurance cover?
Business insurance offers a package of protection that allows you to cover multiple risks on a single policy*. It can be tailored to your needs and often covers perils such as:
Fleet
Do you have two or more vehicles associated with your company? You can save time and money versus individual vehicle policies by insuring them with fleet insurance. Fleet insurance offers extra versatility too by, for example, allowing any named driver to drive the vehicles on your policy.
The advantages of a truck fleet insurance policy are:
- You can save money – fleet policies often work out cheaper than insuring trucks and HGVs on individual policies
- You have one policy to administer – so one renewal date
Cyber insurance
Cyber-attacks are dangerous, potentially costly, and on the rise. 39% of U.K. firms experienced a security breach, cyber-attacks are up 10% on 2021, with 93% of large organisations have been targeted, according to The Department for Business, Innovation and Skills**. Today, cyber insurance can be considered as essential as protecting your stock or employees. Cyber insurance allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage, and more.
Professional indemnity
If you advise your customers or provide a service and be required to advise on best practice, you should consider having professional indemnity insurance. Professional indemnity – P.I. insurance as it’s also known – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice
Directors’ and officers’ insurance (D&O)
As the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them. Directors’ and officers’ insurance – or as it’s also known – protects your senior members from the costs of legal action, allowing them to focus on their jobs
Personal Accident
This will protect you should someone be involved in an accident at work. It will pay out in the event of death, bodily injury, or disablement. The compensation provided can pay for temporary staff or cover the overtime cost for other team members
Business Interruption
If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress
Commercial buildings cover
Do you own the building in which your business operates? If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.
Stock Cover
If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between. Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be
Product liability
Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation. Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees
Employers’ liability
This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:
- Cover you for at least £5 million
- Be with an authorised insurer
- And employers must provide a safe working environment
Public Liability
Provides cover should a member of the public injure themselves or if their property is damaged while you are working. It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.
How much does Business Insurance cost?
There’s no one-size-fits-all answer to this question – it will depend on factors such as:
- The size of your business
- The type of work it does
- If you have employees
- If you have stock
- If you have vehicles
- Where it is
- If you have a commercial property to cover
- Your claims history
The best way to find out how much protection you need is to contact your local Coversure.They’ll be able to advise you as to what you need and create a package of Business cover for you.
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Business Insurance FAQ
Business Insurance can be a complex area of cover, so to help you get the protection you need, here is Coversure’s Business Insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure.
Who Needs Business Insurance?
If your organisation needs to be insured against a range of risks and liabilities, this is an easy way to get a package of protection
Is Business Insurance A Legal Requirement?
No, but if you have employees, you will need Employers’ Liability Insurance
How Much Does Business Insurance Cost?
That will depend on factors such as the size of your business, the type of work you are doing, where and for whom, and your claims history
Do I Need Business Insurance If I am Self-Employed?
It depends on what you do and where you do it. If you’re a landscape gardener working with the public, you would want public liability cover at the very least. If you employ people, you will need employers’ liability insurance too. Many self-employed people work from home. In this case, if you have clients coming into your home, you’ll want to have public liability cover, and if you give advice, then you’d be wise to have Professional Indemnity Insurance too.
Can A Business Policy Protect My Stock And Supplies?
Yes. It can cover these items against loss or theft. It can also protect expensive items such as machinery or office equipment.
Do I Need Business Insurance For An Online Business?
Business insurance makes sense if you sell online and have stock, employees, or a warehouse. It would help if you also considered Cyber Insurance as part of your protection package.
Can I Get Business Cover Before Registering My Business?
Yes, you can take out business insurance before starting trading, even if your business isn’t VAT registered or a limited company.
How Can I Get A Business Insurance Quote?
Getting a quote is easy; contact your local Coversure office or start your business insurance quote today
Need a Business Insurance quote?
If you’d like a Business Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.
Commercial Combined
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Professional Indemnity
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Public Liability
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* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.
