Add any of the following cover options to your Small Business policy and create commercial insurance that fits your business needs. A restaurant owner was found at fault after an oil spill in the restaurant led to a customer having a bad fall. The customer fractured their collarbone and two ribs, and had to go on sick leave for the best part of five months.

Our policy includes cover suited to a variety of businesses – from food and drink manufacturing to wholesale, to retail, hospitality and property. Insurance can protect you against professional negligence, theft, accidents and damage, as well as the costs of legal fees and any compensation owed. This ensures business practices can continue unscathed, and secures your future. As an example, accountants, solicitors and even some healthcare professionals require professional indemnity insurance to operate within the law.

Legally, any UK business with employees has to have employers’ liability insurance. ‘Employees’ in this case includes volunteers, temps, work experience kids and even people lending a hand. With our business insurance, you can protect yourself, your employees, and your business assets. Our policy includes cover suited to a variety of business – from food and drink, to retail and hospitality. It’s also flexible so you can choose optional cover to meet your business needs now and in the future.

This includes the costs of repairing hardware and restoring data, compensating customers, and covering lost income when you’re offline. Concentrate on your good cause and get the right cover for your organisation, whether you’re large, small, grass-roots or anything in between. We help charities, clubs and community groups find the cover they need, including trustee insurance and public liability insurance. Corporate Insurance With our Commercial Select insurance policy, you can protect yourself, your employees, and your business assets.

Protecting you from hazards including working at height, power tool injuries and slips, trips and falls, as well as moving objects.Tradesman Insurance can keep you covered, and your business protected. However, there are very few companies who choose not to protect themselves against this, as costs of paying for damages against products that have caused injury or damaged someone’s possessions can be expensive and problematic. This cover may not be a legal requirement, but it is a financial one for many manufacturers. Business insurance can help protect business owners and independent professionals against everyday risks, such as mistakes, stock or premises damage, and legal costs .

Having the right business insurance in place is the only way to protect against these risks. Legal expenses insurance – To cover the cost of the legal expenses of any claims you make or that are made against you. Product liability insurance – In case a product you have sold, manufactured, or designed injures someone or damages something. Public liability insurance – In case you injure someone or damage something while providing your services. Will provide indemnity for your legal liability for injury or death to employees or third parties and damage to third party property as a result of ne…

Equipment Breakdown cover can fund necessary repairs so that mechanical or electrical failure doesn’t impact your business for too long. Breach of Contract cover is designed to protect all parties involved. Breaches of contract can be tough to resolve and can have a big impact on your finances if you are held accountable. Providing cover such as Stock & Contents Cover, Seasonal Increases Insurance, Loss Of Licence Cover and Shop Front & Glass, a Restaurant Insurance policy can truly take the biscuit. For more information see theABI guide on insurance for your small business . If you work from home regularly, you should think about your home insurance.

These are designed to help our customers reduce their risks of having to claim or to broaden their protection. Safeguard your business in the event that stock is ruined, cash is stolen, or you face a compensation claim where there is legal dispute. Speak to experienced advisers about stock deterioration, business interruption and public liability cover.

We even create customised small business insurance cover for more unique needs, such as home tutors, publishers and charities. Insurance is an important consideration for any UK-based small business, whether you run a busy consultancy firm, local architect office or hair and beauty salon. Buying the right policy allows you to focus on what you do best, while we look after your everyday risks. Get a quote tailored to your workplace needs in minutes with Hiscox. If you hire employees, you are legally required to take out at least £5 million in employers’ liability insurance.