Business insurance needs

Different business will face different types of risk and will need cover for their specific situation. Some insurance is legally required.

Business insurance needs - overview

Every type of business will have different insurance needs - from employees to premises and vehicles. Our guide to understanding what cover you need.

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Contractor and freelancer insurance

If you work as a contractor or freelancer, you likely won't be covered by your client's or agency's insurance. The types of insurance you may need.

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Home business insurance

If you run your business from your home, you need to make sure you're properly insured - your current home insurance may well not cover you.

Multiple different people stood in an open-plan styled office

Office insurance

Think you don't need insurance for your low-risk, office-based business? Think again - an uninsured problem could be disastrous. Our guide.


Pub, restaurant and cafe insurance

If you run a pub or restaurant, you need to be protected against risks like theft or flooding as well as legal claims against your business.


Shop insurance

Shop owners have specialist insurance needs to make sure they're protected. Our guide to the main issues to consider and how to reduce your risks.