FAQs
Business Insurance FAQ
Your most common questions answered.
Business Insurance is a package policy that protects a business against the everyday risks it faces — from fire and theft to legal claims, staff injury, or customer accidents.
It’s fully customisable and can be tailored to match the exact setup of the business, including:
- Shops & retail units
- Restaurants, cafés, pubs, and takeaways
- Hair & beauty salons
- Offices and consultancies
- Wholesalers, manufacturers, and workshops
A typical package might include:
- Public Liability Insurance – Protects against claims from customers or the public who are injured or have their property damaged
- Employers’ Liability Insurance – Required by law if you employ anyone
- Buildings & Contents Insurance – Covers your premises, stock, fixtures, fittings, signage, etc.
- Business Interruption Cover – Loss of income if the business is forced to close due to a disaster like fire or flood
- Money Cover – Theft of cash on-site or in transit
- Stock Insurance – For perishables, retail stock, or high-value goods
- Glass Cover – For retail or shopfronts
- Goods in Transit – Optional for delivery/takeaway businesses
- Product Liability Insurance – If you sell goods
- Legal Expenses Insurance – Support for employment, tax, contract disputes
- Cyber Cover – Optional for businesses taking card payments or storing client data
- A customer slips on a wet floor in a café → Public Liability claim
- Fire in a kitchen forces closure for 4 weeks → Business Interruption claim
- A stylist burns a client’s scalp in a salon → Treatment or Professional Liability
- A van is broken into en route to a delivery → Goods in Transit
- A retail shop is looted during a riot → Stock, Contents & Business Interruption
Prices vary depending on:
- Business type and industry risk (e.g. takeaway vs office)
- Location and crime rating
- Size and turnover
- Whether they own or lease the premises
- Number of employees
- Claims history
Example ranges:
- Small shops/offices: from £250–£750/year
- Restaurants/salons: £500–£1,500/year
- Higher-risk trades or multi-site businesses: significantly more
- Not updating cover after renovations or expansion
- Forgetting to insure business interruption
- Thinking the landlord’s insurance covers them (it only covers the building!)
- Not having cyber cover while storing customer data or taking card payments
- Not declaring temporary closures or staff changes
Reach out to us
If you have any questions or need further assistance with any of our insurance products please use the form and reach out to us.
One of your team members will be back in touch shortly after.