Yes, theft of your expensive, professional equipment can really put you out; that’s why it’s better to protect them with business equipment insurance. Sometimes a lock on your garage or storage unit just isn’t enough to stop thieves. 

Yes, if you have employees, employers' liability insurance is a legal requirement. It applies to almost all types of employees, including full-time, part-time, temporary, apprentices or volunteers. The only exemption is if your employees are immediate members of your family. 

If it’s only you, then employee’s liability insurance is not needed. But, if you bring anyone else on the job, including staff or even apprentices, then you’ll need to take out employers’ liability insurance. If you don’t, you’ll be breaking the law. 

Yes, if your business changes in any way, you should inform your broker and/or insurer and they will adjust your policy to reflect business changes. If you don’t inform them, you risk being underinsured and potentially unprotected.