[{"data":1,"prerenderedAt":1472},["ShallowReactive",2],{"schema:\u002Fbusiness-insurance\u002Fproduct-liability-insurance\u002F":3},{"elements":4,"system":1465},{"product_name":5,"slug":9,"content_block___hero":13,"content_block___supplier":82,"content_blocks":108,"meta_title":1448,"meta_description":1451,"meta_canonical":1454,"meta_robots":1457,"meta_aggregate_schema":1462},{"name":6,"type":7,"value":8},"Product Name","text","business-insurance-product-liability-insurance",{"name":10,"type":11,"value":12},"Slug","url_slug","business-insurance\u002Fproduct-liability-insurance\u002F",{"name":14,"type":15,"value":16,"linkedItems":18},"Content Block - Hero","modular_content",[17],"content_block___hero___product_liability",[19],{"elements":20,"system":74},{"product_icon":21,"tagline":33,"heading":36,"hero_bullet_one":39,"hero_bullet_two":42,"hero_bullet_three":45,"cta_button_text":48,"cta_link_url":51,"secondary_cta_button_text":54,"secondary_cta_link_url":57,"hero_image":59,"theme":70},{"name":22,"type":23,"value":24},"Product Icon","asset",[25],{"name":26,"description":27,"type":28,"size":29,"url":30,"width":31,"height":31,"renditions":32},"Product-Insurance-Icon-dark.png","insurance-icon","image\u002Fpng",2959,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff91ff7a4-11ec-4d86-91f7-d4d31d1f475c\u002FProduct-Insurance-Icon-dark.png",80,{},{"name":34,"type":7,"value":35},"Tagline","Product Liability Insurance",{"name":37,"type":7,"value":38},"Heading","Compare product liability insurance quotes",{"name":40,"type":7,"value":41},"Hero Bullet One","We provide cover for 6,000 business types – it's free to compare",{"name":43,"type":7,"value":44},"Hero Bullet Two","Protect your business from customer claims against faulty or harmful products ",{"name":46,"type":7,"value":47},"Hero Bullet Three","86% of businesses are happy with our customer service",{"name":49,"type":7,"value":50},"CTA Button Text","Start a quote online",{"name":52,"type":7,"value":53},"CTA Link URL","https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seoproductl",{"name":55,"type":7,"value":56},"Secondary CTA Button Text","",{"name":58,"type":7,"value":56},"Secondary CTA Link URL",{"name":60,"type":23,"value":61},"Hero Image",[62],{"name":63,"description":64,"type":28,"size":65,"url":66,"width":67,"height":68,"renditions":69},"Product=Insurance, Trade=Bike Shop.png","Bike shop owner holding bike ",448056,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7f00b834-0110-4ea9-b419-cda14f6ff7d5\u002FProduct%3DInsurance%2C%20Trade%3DBike%20Shop.png",693,578,{},{"name":71,"type":15,"value":72,"linkedItems":73},"Theme",[],[],{"codename":17,"collection":75,"id":76,"language":75,"lastModified":77,"name":78,"sitemapLocations":79,"type":80,"workflowStep":81,"workflow":75},"default","c59ff0b7-2eae-4b2b-802a-105763adb630","2026-05-11T09:20:26.8355356Z","Content Block - Hero - Product Liability",[],"content_block___hero","published",{"name":83,"type":15,"value":84,"linkedItems":86},"Content Block - Supplier",[85],"content_block___supplier_carousel___insurance",[87],{"elements":88,"system":102},{"tagline":89,"supplier_image":91},{"name":34,"type":7,"value":90},"We compare a vetted panel of trusted business suppliers",{"name":92,"type":23,"value":93},"Supplier Image",[94],{"name":95,"description":96,"type":28,"size":97,"url":98,"width":99,"height":100,"renditions":101},"insurance-carousel.png","supplier-carousel",35972,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fa6d25ea6-69e0-4a9b-8c2e-d3a0207f9504\u002Finsurance-carousel.png",2134,48,{},{"codename":85,"collection":75,"id":103,"language":75,"lastModified":104,"name":105,"sitemapLocations":106,"type":107,"workflowStep":81,"workflow":75},"39b5b18e-37fb-4e8b-b0d0-e723cea57acc","2024-12-02T15:51:09.3529699Z","Content Block - Supplier Carousel - Insurance",[],"content_block___supplier_carousel",{"name":109,"type":15,"value":110,"linkedItems":131},"Content Blocks",[111,112,113,114,115,116,117,118,119,120,121,122,123,124,125,126,127,128,129,130],"content_block___sticky_cta___product_liability","content_block___usp___product_liability","content_block___one_column_styled___what_is_produc","content_block___one_column___who_needs_employers","content_block___carousel___what_does_product_liabi","content_block___one_column___how_much_product_liab","content_block___one_column___what_are_the_main_typ","content_block___quote___james_barwell___pl","content_block___cta___start_a_quote_online","content_block___one_column___is_product_liability_","content_block___one_column___why_compare","content_block___video___seo","content_block_cta___seo","content_block___how_does_it_work___how_bionic_busi","content_block___bullet_points___ins_getting_starte","content_block___trust_pilot__slider","content_block___faq___product_liability_faqs","content_block___guides","content_block___image_with_cta___ins_backbone","content_block___social",[132,147,164,185,216,326,344,372,401,429,447,465,478,494,537,598,612,758,1410,1441],{"elements":133,"system":141},{"title":134,"tagline":137,"cta_button_text":139,"cta_link_url":140},{"name":135,"type":7,"value":136},"Title","Compare product liability insurance",{"name":34,"type":7,"value":138},"Whatever your business story, we’re here to help.",{"name":49,"type":7,"value":50},{"name":52,"type":7,"value":53},{"codename":111,"collection":75,"id":142,"language":75,"lastModified":143,"name":144,"sitemapLocations":145,"type":146,"workflowStep":81,"workflow":75},"3fb6de6a-4ca7-405e-9d1a-64be3d4d17df","2026-01-26T10:48:21.1715616Z","Content Block - Sticky CTA - Product Liability",[],"content_block__sticky__cta",{"elements":148,"system":158},{"text_left":149,"text_middle":152,"text_right":155},{"name":150,"type":7,"value":151},"Text Left","Bionic provides business insurance for limited companies like retailers, suppliers and more",{"name":153,"type":7,"value":154},"Text Middle","Get cover to protect against unexpected legal costs or compensation. No unnecessary extras",{"name":156,"type":7,"value":157},"Text Right","Bionic is trusted by UK businesses and won 'Highly Commended' at the 2025 Insurance Broker Awards",{"codename":112,"collection":75,"id":159,"language":75,"lastModified":160,"name":161,"sitemapLocations":162,"type":163,"workflowStep":81,"workflow":75},"c8079b76-5f5c-4f58-b450-6a1b190877c8","2026-03-31T15:45:13.2304244Z","Content Block - USP - Product Liability",[],"content_block___usp_",{"elements":165,"system":179},{"title_accent":166,"title":169,"text":171},{"name":167,"type":7,"value":168},"Title Accent","What is...",{"name":135,"type":7,"value":170},"product liability insurance?",{"images":172,"linkedItemCodenames":173,"linkedItems":174,"links":175,"name":176,"type":177,"value":178},[],[],[],[],"Text","rich_text","\u003Cp>Product liability insurance is a type of \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance\u003C\u002Fa> that covers the cost of compensation if someone is injured or if their property is damaged by a product that you have sold, manufactured, designed or even just supplied. \u003C\u002Fp>\n\u003Cp>Even if you were not the original manufacturer or supplier, you could still be responsible for a claim relating to a product. If you refurbish or repair products or import them, you might be liable for damages caused by those products. \u003C\u002Fp>\n\u003Cp>That’s why if your business is involved in the design, production or sale of products, product liability insurance is essential for protection against costly claims. \u003C\u002Fp>",{"codename":113,"collection":75,"id":180,"language":75,"lastModified":181,"name":182,"sitemapLocations":183,"type":184,"workflowStep":81,"workflow":75},"d8fd99e1-79b8-4b6d-8519-74fe869b34cf","2025-02-12T15:51:36.9994424Z","Content Block - One Column Styled - What is product liability?",[],"content_block___one_column_styled_heading",{"elements":186,"system":210},{"title":187,"text":189,"theme":195},{"name":135,"type":7,"value":188},"Who needs product liability insurance?",{"images":190,"linkedItemCodenames":191,"linkedItems":192,"links":193,"name":176,"type":177,"value":194},[],[],[],[],"\u003Cp>Although not a legal requirement, if your business supplies products to customers, you have a responsibility to ensure they’re safe.  This includes: manufacturers, retailers, wholesalers ,food businesses, online sellers and e-commerce businesses and any businesses that give away goods (like free gifts or promotional items).  \u003C\u002Fp>\n\u003Cp>Even if you don’t create the products, but you sell them, still you could be held responsible for injury or damage caused by faulty or harmful products that you provide.\u003C\u002Fp>\n\u003Cp>These include if: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your business has its name on the product \u003C\u002Fli>\n  \u003Cli>You can’t identify the manufacturer \u003C\u002Fli>\n  \u003Cli>Your business repairs or changes the product \u003C\u002Fli>\n  \u003Cli>You imported the product from outside the UK \u003C\u002Fli>\n  \u003Cli>The manufacturer has gone out of business \u003C\u002Fli>\n\u003C\u002Ful>",{"name":71,"type":15,"value":196,"linkedItems":198},[197],"content_block___theme___navy",[199],{"elements":200,"system":204},{"colour":201},{"name":202,"type":7,"value":203},"Colour","Navy",{"codename":197,"collection":75,"id":205,"language":75,"lastModified":206,"name":207,"sitemapLocations":208,"type":209,"workflowStep":81,"workflow":75},"324b67a1-399c-4efe-a4b4-791af801a4fd","2024-11-08T10:57:29.8395583Z","Content Block - Theme - Navy",[],"content_block___theme",{"codename":114,"collection":75,"id":211,"language":75,"lastModified":212,"name":213,"sitemapLocations":214,"type":215,"workflowStep":81,"workflow":75},"f17a807e-c6f6-4ec9-ae58-2467d0db1ace","2026-05-11T09:21:33.7987761Z","Content Block - One Column - Who needs employers",[],"content_block___one_column",{"elements":217,"system":320},{"title":218,"text":220,"cards":226},{"name":135,"type":7,"value":219},"What does product liability insurance cover?",{"images":221,"linkedItemCodenames":222,"linkedItems":223,"links":224,"name":176,"type":177,"value":225},[],[],[],[],"\u003Cp>Policies will vary per provider, and limits and exclusions apply. Always refer to your policy wording for details.  Product liability can help in the following circumstances: \u003C\u002Fp>",{"name":227,"type":15,"value":228,"linkedItems":234},"Cards",[229,230,231,232,233],"content_block___carousel___injuries_caused_by_prod","content_block___carousel___property_damage_caused_","content_block___carousel___product_defects","untitled_content_item_9a1c752","content_block___carousel___product_recalls",[235,258,273,288,303],{"elements":236,"system":252},{"icon":237,"title":248,"text":250},{"name":238,"type":23,"value":239},"Icon",[240],{"name":241,"description":242,"type":243,"size":244,"url":245,"width":246,"height":246,"renditions":247},"Icon insurance card.jpg","Insurance icon","image\u002Fjpeg",1277,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fc2984137-6ade-4f3a-99ae-2ecf2f837ef5\u002FIcon%20insurance%20card.jpg",72,{},{"name":135,"type":7,"value":249},"Injuries caused by products",{"name":176,"type":7,"value":251},"If a product you sell or supply has a design flaw that injures someone. For example, a toy that injures a child. ",{"codename":229,"collection":75,"id":253,"language":75,"lastModified":254,"name":255,"sitemapLocations":256,"type":257,"workflowStep":81,"workflow":75},"c10acef8-2600-489f-b3a7-2b8bf7a39673","2025-02-13T13:07:18.9441127Z","Content Block - Carousel Card - Injuries caused by products",[],"content_block___carousel_card",{"elements":259,"system":268},{"icon":260,"title":264,"text":266},{"name":238,"type":23,"value":261},[262],{"name":241,"description":242,"type":243,"size":244,"url":245,"width":246,"height":246,"renditions":263},{},{"name":135,"type":7,"value":265},"Property damage caused by products",{"name":176,"type":7,"value":267},"If a faulty appliance you’ve sold to a customer causes a fire.",{"codename":230,"collection":75,"id":269,"language":75,"lastModified":270,"name":271,"sitemapLocations":272,"type":257,"workflowStep":81,"workflow":75},"2141475a-ea1b-4fee-b1aa-e72e8a56ec07","2025-02-13T13:07:26.9839324Z","Content Block - Carousel Card - Property damage caused by products",[],{"elements":274,"system":283},{"icon":275,"title":279,"text":281},{"name":238,"type":23,"value":276},[277],{"name":241,"description":242,"type":243,"size":244,"url":245,"width":246,"height":246,"renditions":278},{},{"name":135,"type":7,"value":280},"Product defects",{"name":176,"type":7,"value":282},"Covers manufacturing, labeling, or packaging errors that result in harm. ",{"codename":231,"collection":75,"id":284,"language":75,"lastModified":285,"name":286,"sitemapLocations":287,"type":257,"workflowStep":81,"workflow":75},"c478bef2-a91b-4734-8873-ba0a8f490840","2025-02-13T13:07:36.8390681Z","Content Block - Carousel Card - Product defects",[],{"elements":289,"system":298},{"icon":290,"title":294,"text":296},{"name":238,"type":23,"value":291},[292],{"name":241,"description":242,"type":243,"size":244,"url":245,"width":246,"height":246,"renditions":293},{},{"name":135,"type":7,"value":295},"Legal costs",{"name":176,"type":7,"value":297},"Covers expenses incurred in defending your business in court.",{"codename":232,"collection":75,"id":299,"language":75,"lastModified":300,"name":301,"sitemapLocations":302,"type":257,"workflowStep":81,"workflow":75},"9a1c7523-f63a-4912-b37f-d89d911befaf","2025-02-13T10:39:45.1053099Z","Content Block - Carousel Card - Legal costs - PL",[],{"elements":304,"system":315},{"icon":305,"title":311,"text":313},{"name":238,"type":23,"value":306},[307],{"name":241,"description":308,"type":243,"size":244,"url":309,"width":246,"height":246,"renditions":310},"Insurance shield icon","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Ff94a957c-b7dd-4071-9885-aab3d118a5cc\u002FIcon%20insurance%20card.jpg",{},{"name":135,"type":7,"value":312},"Product recalls",{"name":176,"type":7,"value":314},"Some policies include the cost of recalling faulty products. ",{"codename":233,"collection":75,"id":316,"language":75,"lastModified":317,"name":318,"sitemapLocations":319,"type":257,"workflowStep":81,"workflow":75},"3aaba61d-1213-4a60-aa12-41fb5179df2c","2026-04-20T11:02:35.8798563Z","Content Block - Carousel Card - Product recalls",[],{"codename":115,"collection":75,"id":321,"language":75,"lastModified":322,"name":323,"sitemapLocations":324,"type":325,"workflowStep":81,"workflow":75},"dda4ed02-0137-4ba0-bac8-343ef1fbb378","2025-02-12T16:10:39.1043247Z","Content Block - Carousel - What does product liability cover?",[],"content_block___carousel",{"elements":327,"system":339},{"title":328,"text":330,"theme":336},{"name":135,"type":7,"value":329},"How much product liability insurance can I get?",{"images":331,"linkedItemCodenames":332,"linkedItems":333,"links":334,"name":176,"type":177,"value":335},[],[],[],[],"\u003Cp>The right level for your business depends on the type of products you sell, the potential scale of a claim, and any requirements set by your clients or contracts.\u003C\u002Fp>",{"name":71,"type":15,"value":337,"linkedItems":338},[197],[199],{"codename":116,"collection":75,"id":340,"language":75,"lastModified":341,"name":342,"sitemapLocations":343,"type":215,"workflowStep":81,"workflow":75},"2418cd29-fcf7-4a19-ac03-c3b13ab5ab95","2026-05-11T09:38:47.7161025Z","Content Block - One Column - How much product liability insurance can I get?",[],{"elements":345,"system":367},{"title":346,"text":348,"theme":354},{"name":135,"type":7,"value":347},"What are the main types of product defect?",{"images":349,"linkedItemCodenames":350,"linkedItems":351,"links":352,"name":176,"type":177,"value":353},[],[],[],[],"\u003Cp>Product liability claims tend to fall into one of these categories: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Manufacturing defects\u003C\u002Fstrong> — something went wrong during production, making a specific batch or unit unsafe. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Labelling or instruction defects\u003C\u002Fstrong> — the product doesn't have the right warnings or instructions, which could lead to misuse and harm. This could also fall under professional indemnity. \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>When it comes to a product liability claim, knowing which type of defect or issue is involved could provide more information on how a claim is handled and who in the supply chain might be held responsible.\u003C\u002Fp>",{"name":71,"type":15,"value":355,"linkedItems":357},[356],"content_block___theme___grey",[358],{"elements":359,"system":362},{"colour":360},{"name":202,"type":7,"value":361},"Grey",{"codename":356,"collection":75,"id":363,"language":75,"lastModified":364,"name":365,"sitemapLocations":366,"type":209,"workflowStep":81,"workflow":75},"7f21286b-86bb-4895-89e6-2a089b86b647","2024-10-21T16:46:34.480424Z","Content Block - Theme - Grey",[],{"codename":117,"collection":75,"id":368,"language":75,"lastModified":369,"name":370,"sitemapLocations":371,"type":215,"workflowStep":81,"workflow":75},"69d885b5-0e2c-4e09-ba2c-ea3df381f83e","2026-05-11T09:29:20.2349545Z","Content Block - One Column - What are the main types of product defect?",[],{"elements":373,"system":395},{"quote_image":374,"quote_text":385,"attribution":392},{"name":375,"type":23,"value":376},"Quote Image",[377],{"name":378,"description":379,"type":28,"size":380,"url":381,"width":382,"height":383,"renditions":384},"quote-image-jamesb.png","James Barwell",30776,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Feb23b2d5-571c-4b0f-bb52-3fbad8823814\u002Fquote-image-jamesb.png",230,190,{},{"images":386,"linkedItemCodenames":387,"linkedItems":388,"links":389,"name":390,"type":177,"value":391},[],[],[],[],"Quote Text","\u003Cp>If a product you sell causes injury to a customer - you could be liable. Product liability insurance provides financial protection against certain types of claims. This should be a key consideration for shops, salons, wholesalers and more.\u003C\u002Fp>",{"name":393,"type":7,"value":394},"Attribution","James Barwell – Insurance Director",{"codename":118,"collection":75,"id":396,"language":75,"lastModified":397,"name":398,"sitemapLocations":399,"type":400,"workflowStep":81,"workflow":75},"c700c08a-339f-4057-adcb-162c6380a3e9","2025-02-14T09:00:06.7811151Z","Content Block - Quote - James Barwell - PL",[],"content_block___quote",{"elements":402,"system":423},{"title":403,"text":404,"cta_button_text":405,"cta_link_url":406,"tagline":408,"theme":410},{"name":135,"type":7,"value":56},{"name":176,"type":7,"value":56},{"name":49,"type":7,"value":50},{"name":52,"type":7,"value":407},"https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F?ppcref=seogeneric",{"name":34,"type":7,"value":409},"Or speak to one of our team on 0800 032 7925",{"name":71,"type":15,"value":411,"linkedItems":413},[412],"content_block___theme___blue_b7fc496",[414],{"elements":415,"system":418},{"colour":416},{"name":202,"type":7,"value":417},"Blue",{"codename":412,"collection":75,"id":419,"language":75,"lastModified":420,"name":421,"sitemapLocations":422,"type":209,"workflowStep":81,"workflow":75},"b7fc4968-c2c4-48e1-9156-4ae5a909ec6b","2025-03-19T11:34:55.677362Z","Content Block - Theme - Blue",[],{"codename":119,"collection":75,"id":424,"language":75,"lastModified":425,"name":426,"sitemapLocations":427,"type":428,"workflowStep":81,"workflow":75},"07b7f0d1-d4fd-4b0a-8e3d-e0e2ac7a25bf","2026-01-23T17:20:23.0377362Z","Content Block - CTA - Start a quote online",[],"content_block__cta",{"elements":430,"system":442},{"title":431,"text":433,"theme":439},{"name":135,"type":7,"value":432},"Is product liability a legal requirement?",{"images":434,"linkedItemCodenames":435,"linkedItems":436,"links":437,"name":176,"type":177,"value":438},[],[],[],[],"\u003Cp>No, product liability insurance isn’t a legal requirement in the UK, but it should be strongly considered if your small business produces, sells, or even just supplies goods. The Consumer Protection Act 1987 means UK businesses can be liable for damage caused by defective products — so a customer doesn't have to prove you were careless, only that the product was faulty and caused harm, which could lead to a costly claim.\u003C\u002Fp>",{"name":71,"type":15,"value":440,"linkedItems":441},[356],[358],{"codename":120,"collection":75,"id":443,"language":75,"lastModified":444,"name":445,"sitemapLocations":446,"type":215,"workflowStep":81,"workflow":75},"a1e3dd44-9033-487a-b486-c881319c2100","2026-05-11T09:31:16.7393404Z","Content Block - One Column - Is product liability a legal requirement?",[],{"elements":448,"system":460},{"title":449,"text":451,"theme":457},{"name":135,"type":7,"value":450},"How much is product liability insurance?",{"images":452,"linkedItemCodenames":453,"linkedItems":454,"links":455,"name":176,"type":177,"value":456},[],[],[],[],"\u003Cp>The cost of product liability insurance cover varies depending on several factors unique to your business, including:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Type of product -\u003C\u002Fstrong>  The type of product you sell or manufacture will influence costs \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Claims history -\u003C\u002Fstrong> A history of claims can indicate higher risk, leading to increased premiums. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Workplace risks -\u003C\u002Fstrong> Businesses with dangerous working environments or heavy-duty equipment may face higher costs. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business size and turnover\u003C\u002Fstrong> — Larger businesses with higher sales typically pay more because their exposure to claims may be greater. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Extent of cover— \u003C\u002Fstrong>Higher cover limits mean higher premiums, but the right level of protection will depend on your own business. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>To find out exactly what it’ll cost to insure your business, start quote online and our UK-based brokers will be on-hand to support.\u003C\u002Fp>",{"name":71,"type":15,"value":458,"linkedItems":459},[197],[199],{"codename":121,"collection":75,"id":461,"language":75,"lastModified":462,"name":463,"sitemapLocations":464,"type":215,"workflowStep":81,"workflow":75},"3c7d5cf7-0012-4798-9b45-521ca438248c","2026-05-11T09:31:48.4839288Z","Content Block - One Column - How much is product liability insurance?",[],{"elements":466,"system":472},{"title":467,"video__id":469},{"name":135,"type":7,"value":468},"Find out why your business needs insurance from Les, our Business Comparison Expert. ",{"name":470,"type":7,"value":471},"Video Id","Z-rrBhi2Eh8",{"codename":122,"collection":75,"id":473,"language":75,"lastModified":474,"name":475,"sitemapLocations":476,"type":477,"workflowStep":81,"workflow":75},"430415b9-3cd1-4b13-a135-0d719936039b","2024-11-14T10:07:24.9876228Z","Content Block - Video - Find out why your business needs insurance from Les, our Business Comparison Expert.",[],"content__block__video",{"elements":479,"system":489},{"title":480,"text":481,"cta_button_text":482,"cta_link_url":484,"tagline":485,"theme":486},{"name":135,"type":7,"value":56},{"name":176,"type":7,"value":56},{"name":49,"type":7,"value":483},"Compare business insurance quotes",{"name":52,"type":7,"value":407},{"name":34,"type":7,"value":409},{"name":71,"type":15,"value":487,"linkedItems":488},[412],[414],{"codename":123,"collection":75,"id":490,"language":75,"lastModified":491,"name":492,"sitemapLocations":493,"type":428,"workflowStep":81,"workflow":75},"4bf50248-d450-4469-b947-7837eb61a5a9","2026-01-23T17:20:56.2771311Z","Content Block - CTA - Compare and save on business insurance",[],{"elements":495,"system":531},{"title":496,"tagline":498,"title_left":500,"text_left":503,"title_middle":509,"text_middle":512,"title_right":518,"text_right":521,"cta_button_text":527,"cta_link_url":529},{"name":135,"type":7,"value":497},"How Bionic business insurance comparison works",{"name":34,"type":7,"value":499},"Compare insurance quotes in three simple steps",{"name":501,"type":7,"value":502},"Title Left","Start your quote online ",{"images":504,"linkedItemCodenames":505,"linkedItems":506,"links":507,"name":150,"type":177,"value":508},[],[],[],[],"\u003Cp>Speed up the process by submitting basic business details online – whenever you have time. \u003C\u002Fp>",{"name":510,"type":7,"value":511},"Title Middle","Speak to our UK-based team ",{"images":513,"linkedItemCodenames":514,"linkedItems":515,"links":516,"name":153,"type":177,"value":517},[],[],[],[],"\u003Cp>Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct. \u003C\u002Fp>",{"name":519,"type":7,"value":520},"Title Right","Compare tailored quotes ",{"images":522,"linkedItemCodenames":523,"linkedItems":524,"links":525,"name":156,"type":177,"value":526},[],[],[],[],"\u003Cp>Get your quotes from our panel of trusted insurers and through any questions with our team. \u003C\u002Fp>",{"name":49,"type":7,"value":528},"Compare business insurance",{"name":530,"type":7,"value":407},"CTA Link Url",{"codename":124,"collection":75,"id":532,"language":75,"lastModified":533,"name":534,"sitemapLocations":535,"type":536,"workflowStep":81,"workflow":75},"1c547f83-b753-4506-b9f2-1fc1460004af","2026-01-23T15:55:02.6436832Z","Content Block - How Does It Work - SEOGeneric - How Bionic business Insurance comparison works",[],"content_block___how_does_it_work",{"elements":538,"system":592},{"title_left":539,"text_left":541,"bullet_points":547},{"name":501,"type":7,"value":540},"What do I need to get started?",{"images":542,"linkedItemCodenames":543,"linkedItems":544,"links":545,"name":150,"type":177,"value":546},[],[],[],[],"\u003Cp>You only need a few details to get started with getting a free business insurance quote online, so it’s best to have the following information ready to go: \u003C\u002Fp>",{"name":548,"type":15,"value":549,"linkedItems":554},"Bullet Points",[550,551,552,553],"content_block___bullet_point_item___ins_business","content_block___bullet_point_item___ins_policy_dat","content_block___bullet_point_item___ins_name_and_c","content_block___bullet_point_item___ins_additional",[555,565,574,583],{"elements":556,"system":559},{"text":557},{"name":176,"type":7,"value":558},"Your business name and trade ",{"codename":550,"collection":75,"id":560,"language":75,"lastModified":561,"name":562,"sitemapLocations":563,"type":564,"workflowStep":81,"workflow":75},"f5c87133-0e80-44f6-a888-59adda324773","2024-11-18T15:45:17.9673586Z","Content Block - Bullet Point Item - ins business",[],"content_block___bullet_point_item",{"elements":566,"system":569},{"text":567},{"name":176,"type":7,"value":568},"Your policy start date",{"codename":551,"collection":75,"id":570,"language":75,"lastModified":571,"name":572,"sitemapLocations":573,"type":564,"workflowStep":81,"workflow":75},"45b464f7-13cf-49ff-9d89-7624b4e6561e","2024-11-18T16:45:27.4347361Z","Content Block - Bullet Point Item - Ins Policy Date",[],{"elements":575,"system":578},{"text":576},{"name":176,"type":7,"value":577},"Your name and contact details to receive your quote options",{"codename":552,"collection":75,"id":579,"language":75,"lastModified":580,"name":581,"sitemapLocations":582,"type":564,"workflowStep":81,"workflow":75},"cc8e290d-aa14-49e6-9c47-e4efcd884c5d","2024-11-18T16:44:52.23641Z","Content Block - Bullet Point Item - Ins name and contact details",[],{"elements":584,"system":587},{"text":585},{"name":176,"type":7,"value":586},"You may be asked additional questions about business activities",{"codename":553,"collection":75,"id":588,"language":75,"lastModified":589,"name":590,"sitemapLocations":591,"type":564,"workflowStep":81,"workflow":75},"e68e6dec-964b-4032-8dd3-db7796d9098b","2024-11-18T16:46:11.6253384Z","Content Block - Bullet Point Item - Ins additional Q's",[],{"codename":125,"collection":75,"id":593,"language":75,"lastModified":594,"name":595,"sitemapLocations":596,"type":597,"workflowStep":81,"workflow":75},"e263bf42-58ca-4c8b-8463-d2c02093c67a","2026-03-16T14:49:09.7669112Z","Content Block - Bullet Points - Ins Getting Started",[],"content_block___bullet_points",{"elements":599,"system":606},{"title":600,"cta_button_text":602,"cta_link_url":604},{"name":135,"type":7,"value":601},"Businesses are happy with our customer service",{"name":49,"type":7,"value":603},"Read our customer stories",{"name":52,"type":7,"value":605},"https:\u002F\u002Fuk.trustpilot.com\u002Freview\u002Fbionic.co.uk",{"codename":126,"collection":75,"id":607,"language":75,"lastModified":608,"name":609,"sitemapLocations":610,"type":611,"workflowStep":81,"workflow":75},"0b8fe963-e21c-40d4-a3af-533d6b0a87b3","2026-05-29T11:25:35.7041053Z","Content Block - Trust Pilot: Slider Insurance",[],"content_block___trust_pilot",{"elements":613,"system":752},{"title":614,"tagline":616,"faq_items":617},{"name":135,"type":7,"value":615},"Product Liability FAQs",{"name":34,"type":7,"value":56},{"name":618,"type":15,"value":619,"linkedItems":628},"FAQ Items",[620,621,622,623,624,625,626,627],"content_block___faq_item__what_is_excluded_from_pr","content_block___faq_item__can_i_get_product_liabil","content_block___faq_item___what_s_the_difference_b_912f1de","content_block___faq_item___do_i_need_product_liabi","content_block___faq_item___what_s_the_difference_b_fd19f14","content_block___faq_item___when_should_i_take_out_","content_block___faq_item___is_product_liability_in","content_block_faq_item___can_an_online_seller_or_a",[629,647,662,677,692,707,722,737],{"elements":630,"system":641},{"question":631,"answer":634},{"name":632,"type":7,"value":633},"Question","What is excluded from product liability insurance?",{"images":635,"linkedItemCodenames":636,"linkedItems":637,"links":638,"name":639,"type":177,"value":640},[],[],[],[],"Answer","\u003Cp>Exclusions typically include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Injuries or damage caused by deliberate actions \u003C\u002Fli>\n  \u003Cli>Costs from knowingly supplying defective products \u003C\u002Fli>\n  \u003Cli>Claims related to professional advice you gave alongside a product — this is usually covered under \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fprofessional-indemnity-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">professional indemnity insurance\u003C\u002Fa> instead \u003C\u002Fli>\n  \u003Cli>Employee injuries, which would be covered under \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">employers' liability insurance\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Ful>",{"codename":620,"collection":75,"id":642,"language":75,"lastModified":643,"name":644,"sitemapLocations":645,"type":646,"workflowStep":81,"workflow":75},"b7221aab-46f9-4092-9f8b-39c6cf710f2f","2026-05-11T09:32:42.0063042Z","Content Block - FAQ Item: What is excluded from product liability insurance?",[],"content_block___faq_item",{"elements":648,"system":657},{"question":649,"answer":651},{"name":632,"type":7,"value":650},"Can I get product liability insurance if I’m a small business?",{"images":652,"linkedItemCodenames":653,"linkedItems":654,"links":655,"name":639,"type":177,"value":656},[],[],[],[],"\u003Cp>Yes! Bionic works with insurers who offer tailored insurance for businesses of all sizes including small and microbusinesses. \u003C\u002Fp>",{"codename":621,"collection":75,"id":658,"language":75,"lastModified":659,"name":660,"sitemapLocations":661,"type":646,"workflowStep":81,"workflow":75},"04bdef89-a6df-4eb4-8ec9-45daa7348b39","2025-02-13T14:14:57.9401262Z","Content Block - FAQ Item: Can I get product liability insurance if I’m a small business?",[],{"elements":663,"system":672},{"question":664,"answer":666},{"name":632,"type":7,"value":665},"What's the difference between public liability insurance and product liability insurance?",{"images":667,"linkedItemCodenames":668,"linkedItems":669,"links":670,"name":639,"type":177,"value":671},[],[],[],[],"\u003Cul>\n  \u003Cli>Public liability insurance covers claims for injuries or property damage that happen because of your business activities (for example, a customer slipping in your shop). \u003C\u002Fli>\n  \u003Cli>Product liability insurance specifically covers claims caused by products you’ve sold or supplied (for example, a faulty item causing injury after purchase). \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Many businesses choose both types of cover for broader protection.\u003C\u002Fp>",{"codename":622,"collection":75,"id":673,"language":75,"lastModified":674,"name":675,"sitemapLocations":676,"type":646,"workflowStep":81,"workflow":75},"912f1de7-0a82-4a4f-84d6-426a4dc304e3","2026-05-11T09:33:26.0477022Z","Content Block - FAQ Item - What's the difference between public liability insurance and product liability insurance?",[],{"elements":678,"system":687},{"question":679,"answer":681},{"name":632,"type":7,"value":680},"Do I need product liability insurance if I only sell second-hand goods?",{"images":682,"linkedItemCodenames":683,"linkedItems":684,"links":685,"name":639,"type":177,"value":686},[],[],[],[],"\u003Cp>Yes, you should consider it. You could still face a claim even if you sell second-hand or refurbished products. If the item you sold turns out to be faulty and causes harm, it may be hard to trace back to the original manufacturer — meaning you could be held responsible. Product liability cover is worth considering for second-hand retailers and anyone who repairs or refurbishes goods before selling them on.\u003C\u002Fp>",{"codename":623,"collection":75,"id":688,"language":75,"lastModified":689,"name":690,"sitemapLocations":691,"type":646,"workflowStep":81,"workflow":75},"deaf1bc5-751d-410e-ae26-8fc43fcd89b2","2026-05-11T09:34:04.6520309Z","Content Block - FAQ Item - Do I need product liability insurance if I only sell second-hand goods?",[],{"elements":693,"system":702},{"question":694,"answer":696},{"name":632,"type":7,"value":695},"What's the difference between product liability insurance and product recall insurance?",{"images":697,"linkedItemCodenames":698,"linkedItems":699,"links":700,"name":639,"type":177,"value":701},[],[],[],[],"\u003Cp>Product liability insurance can help cover the cost of compensation claims and legal fees if a product you've supplied causes injury or property damage to someone else. \u003C\u002Fp>\n\u003Cp>Product recall insurance (which some policies include as standard, and others offer as an add-on) helps covers the cost of actually recalling a faulty product from the market — including logistics, communications, and disposal costs. If you produce or supply goods at scale, it's worth checking whether your policy includes recall cover.\u003C\u002Fp>",{"codename":624,"collection":75,"id":703,"language":75,"lastModified":704,"name":705,"sitemapLocations":706,"type":646,"workflowStep":81,"workflow":75},"fd19f149-9276-4cb3-a0ff-67263bc8a07a","2026-05-11T09:34:44.9827216Z","Content Block - FAQ Item - What's the difference between product liability insurance and product recall insurance?",[],{"elements":708,"system":717},{"question":709,"answer":711},{"name":632,"type":7,"value":710},"When should I take out product liability insurance?",{"images":712,"linkedItemCodenames":713,"linkedItems":714,"links":715,"name":639,"type":177,"value":716},[],[],[],[],"\u003Cp>It's a good idea to have cover in place as soon as you start selling, supplying, or manufacturing products. You never know when a claim could come out of the woodwork, so waiting until something goes wrong may too late. If you're a new business, putting the right cover in place from day one can give you the right protection.\u003C\u002Fp>",{"codename":625,"collection":75,"id":718,"language":75,"lastModified":719,"name":720,"sitemapLocations":721,"type":646,"workflowStep":81,"workflow":75},"c30cbd64-7d63-47a1-83a5-e4ee2d792b88","2026-05-11T09:35:18.8373382Z","Content Block - FAQ Item - When should I take out product liability insurance?",[],{"elements":723,"system":732},{"question":724,"answer":726},{"name":632,"type":7,"value":725},"Is product liability insurance the same as public liability insurance?",{"images":727,"linkedItemCodenames":728,"linkedItems":729,"links":730,"name":639,"type":177,"value":731},[],[],[],[],"\u003Cp>No, but they're often sold together. Public liability covers claims from members of the public for injury or property damage caused by your business activities. Product liability specifically covers claims caused by a product you've supplied or manufactured. Many business insurance policies include both types of cover.\u003C\u002Fp>",{"codename":626,"collection":75,"id":733,"language":75,"lastModified":734,"name":735,"sitemapLocations":736,"type":646,"workflowStep":81,"workflow":75},"0ddfe293-1027-4489-9be4-11943c52bb2f","2026-05-11T09:35:50.8286501Z","Content Block - FAQ Item - Is product liability insurance the same as public liability insurance?",[],{"elements":738,"system":747},{"question":739,"answer":741},{"name":632,"type":7,"value":740},"Can an online seller or Amazon retailer get product liability insurance?",{"images":742,"linkedItemCodenames":743,"linkedItems":744,"links":745,"name":639,"type":177,"value":746},[],[],[],[],"\u003Cp>Yes. If you sell products online — whether through your own website or a marketplace like Amazon or eBay — you should consider product liability insurance. Marketplaces often require sellers to hold a minimum level of cover, and if you import goods from outside the UK to sell, you take on the importer's liability under UK law. \u003C\u002Fp>",{"codename":627,"collection":75,"id":748,"language":75,"lastModified":749,"name":750,"sitemapLocations":751,"type":646,"workflowStep":81,"workflow":75},"e18f9938-35b8-4d00-a04e-cb8a7d75dace","2026-05-11T09:37:08.6115065Z","Content Block - FAQ Item - Can an online seller or Amazon retailer get product liability insurance?",[],{"codename":127,"collection":75,"id":753,"language":75,"lastModified":754,"name":755,"sitemapLocations":756,"type":757,"workflowStep":81,"workflow":75},"348f94ad-52c9-4da1-9ce1-5d395fe4a811","2026-05-11T09:36:07.2040866Z","Content Block - FAQ - Product Liability FAQs",[],"content_block___faq",{"elements":759,"system":1405},{"title":760,"cta_button_text":762,"cta_link_url":764,"guides":766},{"name":135,"type":7,"value":761},"Our team shares essential knowledge on business insurance",{"name":49,"type":7,"value":763},"View all business insurance guides",{"name":530,"type":7,"value":765},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002F",{"name":767,"type":15,"value":768,"linkedItems":773},"Guides",[769,770,771,772],"insurance_guide___brokers___buying_insurance_for_t","insurance_guide__a_guide_to_the_types_of_liability","insurnce_guide___brokers___a_step_by_step_guide_to","insurance_guide___do_you_need_business_insurance_w",[774,891,996,1205],{"elements":775,"system":886},{"post__title":776,"post__summary":778,"post__content":781,"post__author":806,"post__reviewer":811,"publish_date":816,"updated_date":821,"url":823,"seo__meta_title":826,"seo__meta_description":829,"seo__add_no_index_tag":832,"seo__canonical_url":839,"related_articles":842,"categories":846,"subfolder":851,"tags":856,"thumbnail_image":861,"show_on_index_page":868,"hide_author":874,"hide_reviewer":878,"hide_tags":882},{"name":135,"type":7,"value":777},"First time buying business insurance with a broker? Q&A with Ollie Barrett",{"name":779,"type":7,"value":780},"Summary","Our Senior Technical Insurance Manager, Ollie Barrett, walks you through what to expect when arranging business insurance with a broker for the first time. Read now.",{"images":782,"linkedItemCodenames":789,"linkedItems":791,"links":803,"name":804,"type":177,"value":805},[783],{"description":784,"imageId":785,"url":786,"height":787,"width":788},"Bionic branded graphic with text 'First time buying business insurance? Q&A features graphic with Ollie Barrett' with photo of Ollie, Senior Technical Insurance Manager at Bionic.","4dfceea9-885a-4230-b512-91eb60d47776","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F474910e0-7f29-4ad3-b6cd-0bac0a6f300d\u002FFirst%20time%20buying%20insurance%20%281%29.jpg",1415,2118,[790],"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa",[792],{"elements":793,"system":797},{"sound_cloud_id":794},{"name":795,"type":7,"value":796},"Sound Cloud ID","2263550132",{"codename":790,"collection":75,"id":798,"language":75,"lastModified":799,"name":798,"sitemapLocations":800,"type":801,"workflowStep":802,"workflow":802},"7f8b02bb-fecd-0199-f69e-f3c4c6fc88fa","2026-07-21T10:46:48.4898431Z",[],"sound_cloud",null,[],"Content","\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n7f8b02bb_fecd_0199_f69e_f3c4c6fc88fa\">\u003C\u002Fobject>\n\u003Cp>Just set up your business and looking for the right insurance? If you've never arranged \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\">business insurance\u003C\u002Fa> before, you might be wondering what you need to do, and it’s always good to do some research on what to expect. \u003C\u002Fp>\n\u003Cp>Senior Technical Insurance Manager at Bionic, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Follie-barrett\u002F\">Ollie Barrett\u003C\u002Fa>, walks you through what to expect when arranging business insurance with a broker for the first-time. With answers to questions that keep coming up from small business customers, just like you. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" data-image-id=\"4dfceea9-885a-4230-b512-91eb60d47776\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F474910e0-7f29-4ad3-b6cd-0bac0a6f300d\u002FFirst%20time%20buying%20insurance%20%281%29.jpg\" data-asset-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" data-image-id=\"4dfceea9-885a-4230-b512-91eb60d47776\" alt=\"Bionic branded graphic with text 'First time buying business insurance? Q&A features graphic with Ollie Barrett' with photo of Ollie, Senior Technical Insurance Manager at Bionic.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong> \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Assessing cover level:\u003C\u002Fstrong> Business owners should regularly calculate the value of their contents and ensure insurance coverage matches current replacement costs. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Determining public liability:\u003C\u002Fstrong> The right amount of public liability insurance depends on your business’s specific risks, industry requirements, and what you can afford. Some sectors may have council-imposed minimums.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Common underinsurance gaps:\u003C\u002Fstrong> Many SMEs are underinsured due to outdated property valuations. It’s important to distinguish between purchase price and reinstatement cost. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Broker vs. direct purchase:\u003C\u002Fstrong> Brokers can arrange cover to your business’s needs and ask the right questions, whereas buying online may miss important details. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Switching and claims history:\u003C\u002Fstrong> Changing insurers is possible even with previous claims, but insurers will consider your claims history and what steps you’ve taken to mitigate risks.  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>How do I figure out the right levels of cover for the value of my contents? \u003C\u002Fh2>\n\u003Cp>When it comes to contents, you should check how much the value of your contents is worth. If you’re just starting up, you should have invoices to refer to. But even a year in, you should recalculate the value of your contents, because the cost of replacing items increases each year. \u003C\u002Fp>\n\u003Cp>For example, if you own a cafe, you should consider the value of your contents. This includes things like tables, chairs, cookers and other equipment. Remember, your insurance policy is designed to put you back in the position you were prior to the claim, so that value needs to be enough to allow you to replace all your contents, if they all got stolen, taken or burnt in a fire – for example. \u003C\u002Fp>\n\u003Cp>And you should keep up to date with this. If you set up a cafe 20 years ago, check the value of the contents in your business today, and the cost to replace items – this may differ greatly. \u003C\u002Fp>\n\u003Ch2>How do I figure out the right level of public liability? \u003C\u002Fh2>\n\u003Cp>When it comes to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\">public liability\u003C\u002Fa>, the ‘right’ amount of cover depends on the risks you face. You need to assess your own business risks and estimate potential claim costs.  For some businesses, public liability between £1-2 million might be enough, for some 5 million might suffice, or you might even need £10 million or more if you’re a large business. \u003C\u002Fp>\n\u003Cp>You should also consider how much you can afford to pay for your insurance cover, and any requirements that are specific to your industry. \u003C\u002Fp>\n\u003Cp>For example, if you are in hospitality and have a pavement license to serve customers outside, then you may have a council requirement to have public liability up to £5 million. \u003C\u002Fp>\n\u003Cp>It’s worth bearing in mind that if you have a disaster that means you need to pay more than the limit in your policy, you'll need to cover that additional cost yourself. \u003C\u002Fp>\n\u003Cp>To sum it up, you need to know the individual risks and costs you might face, a broker \u003Cem>can’t \u003C\u002Fem>directly advise you on this. \u003C\u002Fp>\n\u003Ch2>What’s the biggest cover gap you typically see that leaves SMEs underinsured?  \u003C\u002Fh2>\n\u003Cp>We often notice small business owners aren’t up to date with evaluations. Do you know the value of your building? And the cost of repairs if it were to burn down tomorrow? When taking out \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fcommercial-property\u002F\">building insurance\u003C\u002Fa>, many insurers expect to see a valuation every two years, but repair costs may increase yearly. \u003C\u002Fp>\n\u003Cp>What’s key to remember is that the purchase price of your building vs its reinstatement costs are different. Reinstatement costs are costs to put it back to its state before a disaster. \u003C\u002Fp>\n\u003Cp>And it often isn't the building valuation that increases the most – it's actually the cost of labour to rebuild a property. It could increase up 30% or 40% per year. \u003C\u002Fp>\n\u003Cp>For example, if you paid half a million for your building, and insured it for half a million, the reinstatement cost of that building might be £1,000,000, in which case you're underinsured 50% and could be left to pay the rest of the costs yourself.  This is where the average clause comes in. \u003C\u002Fp>\n\u003Cp>The average clause often means you won’t get a full payout because you are underinsured. It informs insurers so they can adjust how much they pay out in line with how much you’re underinsured. \u003C\u002Fp>\n\u003Cp>To avoid this, consider getting a reinstatement survey done every two years and speak to your insurer if you have any questions on claims. \u003C\u002Fp>\n\u003Ch2>What’s the advantage of buying through a broker versus buying online directly? \u003C\u002Fh2>\n\u003Cp>For some businesses, \u003Cem>you can’t \u003C\u002Fem>buy commercial insurance directly from an insurer. And in instances where \u003Cem>you can\u003C\u002Fem> buy it solely online, you are unlikely to get it suited to your exact needs without speaking to someone.  \u003C\u002Fp>\n\u003Cp>When you speak to a broker on the phone, they can ask specific questions about your businesses and you have the chance to ask about cover, so you’re properly covered. Small details that can be missed through online forms can make a big difference when it comes to cover. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\">business insurance brokers vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>If I switched insurers, would my claims history make it harder or more expensive to get cover?  \u003C\u002Fh2>\n\u003Cp>This really depends on the insurer. Underwriters will have different ‘underwriting appetites’. Basically, this means they have different terms, conditions and exclusions in their policies.   \u003C\u002Fp>\n\u003Cp>If you have a previous claim, insurers may ask what you have done since to stop that claim from happening again. This can be a positive factor in their decision. \u003C\u002Fp>\n\u003Cp>If you run a nightclub, and you’ve had two claims from people slipping on the dance floor, an insurer may view you in a more positive light if you take steps to prevent that from happening again. If you replace the dancefloor with a non-slip floor, the underwriter may feel you are unlikely to claim for slips and take a more positive view than if you didn’t replace the floor. \u003C\u002Fp>\n\u003Cp>No one should fear moving insurer because they've had a claim. Sometimes it's harder when there's a claim ongoing, but if the claim has been settled, it's generally easier to look around. \u003C\u002Fp>\n\u003Ch3>Can I still change insurers if I have lots of previous claims? \u003C\u002Fh3>\n\u003Cp>You can, but you should consider insurer appetite.  \u003C\u002Fp>\n\u003Cp>You’ve got both ends of the scale - the big public liability claims where someone has really hurt themselves, and the smaller claims that could happen multiple times a year, like break-ins.  \u003C\u002Fp>\n\u003Cp>If you claim a lot, then insurers may view this in a negative light, but that doesn’t mean you can’t get insured in most cases. \u003C\u002Fp>\n\u003Ch3>What if I have no claims? \u003C\u002Fh3>\n\u003Cp>If you’re a relatively new business and don’t have any claims, this is a good thing and could demonstrate good risk management practices. On the other hand, insurers do have a good idea of the likelihood of claims. So, underwriters may decide on the pricing for your risk based on other similar businesses. \u003C\u002Fp>\n\u003Ch2>If I decide to change insurers, do I need to give notice to my current provider?  \u003C\u002Fh2>\n\u003Cp>You don't need to give notice to your insurer as such. But if you are dealing with them directly and want to move, you need to tell your insurer you will not be renewing. \u003C\u002Fp>\n\u003Cp>If you’re dealing with a broker and you don’t want to renew, you need to tell them as part of consumer duty. You don't need to give them a month's notice - you just need to tell them to lapse the policy, and that you're going somewhere else. \u003C\u002Fp>\n\u003Cp>Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\">business insurance renewals.\u003C\u002Fa> \u003C\u002Fp>\n\u003Ch2>How do I make sure I'm not overpaying if I stay with the same insurer? \u003C\u002Fh2>\n\u003Cp>The best thing to do is \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F\">work with your broker\u003C\u002Fa> to ensure you're getting the most competitive terms available. This may mean seeing if they can search the market again for you at renewal. \u003C\u002Fp>\n\u003Ch2>Getting started with bionic \u003C\u002Fh2>\n\u003Cp>Sorting out business insurance for the first time can feel like another thing on an already overwhelming to-do list. But luckily, Ollie and Tara’s UK-based broker team are on hand to talk you through your options. \u003C\u002Fp>\n\u003Cp>Get in touch with us today. Start a quote online.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>",{"name":807,"type":15,"value":808,"linkedItems":810},"Author",[809],"author___ollie_barrett",[],{"name":812,"type":15,"value":813,"linkedItems":815},"Reviewer",[814],"untitled_content_item_d332501",[],{"name":817,"type":818,"value":819,"displayTimeZone":820},"Publish Date","date_time","2026-01-30T09:00:00Z","Europe\u002FLondon",{"name":822,"type":818,"value":802,"displayTimeZone":820},"Updated Date",{"name":824,"type":11,"value":825},"URL","first-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":827,"type":7,"value":828},"Meta title","First time buying business insurance? Q&A with Ollie Barrett",{"name":830,"type":7,"value":831},"Meta description","First-time business insurance buyer? Ollie Barrett trains and oversees our brokers so knows everything there is to know about buying insurance as a first time SME.",{"name":833,"type":834,"value":835},"Add no index tag","multiple_choice",[836],{"name":837,"codename":838},"No","no",{"name":840,"type":7,"value":841},"Canonical URL","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Ffirst-time-buying-business-insurance-qa-ollie-barrett\u002F",{"name":843,"type":15,"value":844,"linkedItems":845},"Related Articles",[],[],{"name":847,"type":15,"value":848,"linkedItems":850},"Categories",[849],"category___business_insurance_guide",[],{"name":852,"type":15,"value":853,"linkedItems":855},"Subfolder",[854],"insurance_subfolder___brokers",[],{"name":857,"type":15,"value":858,"linkedItems":860},"Tags",[859],"tag___business_insurance",[],{"name":862,"type":23,"value":863},"Thumbnail Image",[864],{"name":865,"description":784,"type":243,"size":866,"url":786,"width":788,"height":787,"renditions":867},"First time buying insurance (1).jpg",129390,{},{"name":869,"type":834,"value":870},"Show on index page",[871],{"name":872,"codename":873},"Yes","yes",{"name":875,"type":834,"value":876},"Hide Author",[877],{"name":837,"codename":838},{"name":879,"type":834,"value":880},"Hide Reviewer",[881],{"name":837,"codename":838},{"name":883,"type":834,"value":884},"Hide Tags",[885],{"name":872,"codename":873},{"codename":769,"collection":75,"id":887,"language":75,"lastModified":799,"name":888,"sitemapLocations":889,"type":890,"workflowStep":81,"workflow":75},"02c513ee-e2a6-43f3-8569-69b1abb2b6b5","INSURANCE GUIDE - BROKERS - Buying insurance for the first time? Q&A with Ollie Barrett",[],"guide",{"elements":892,"system":992},{"post__title":893,"post__summary":895,"post__content":897,"post__author":940,"post__reviewer":944,"publish_date":947,"updated_date":949,"url":950,"seo__meta_title":952,"seo__meta_description":954,"seo__add_no_index_tag":956,"seo__canonical_url":959,"related_articles":961,"categories":964,"subfolder":967,"tags":971,"thumbnail_image":974,"show_on_index_page":980,"hide_author":983,"hide_reviewer":986,"hide_tags":989},{"name":135,"type":7,"value":894},"A complete guide to the types of liability insurance",{"name":779,"type":7,"value":896},"There are many types of liability insurance, but which ones do you need for your business? We break it down in our guide to liability insurance. Learn now.",{"images":898,"linkedItemCodenames":903,"linkedItems":907,"links":938,"name":804,"type":177,"value":939},[899],{"description":900,"imageId":901,"url":902,"height":787,"width":788},"Bionic branded featured image with text 'a guide to types of liability insurance' with barista machine and coffee falling over with coffee splatters and donuts and cupcakes around the design.","551578d1-767d-4541-83f2-0682e13148a1","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fea366472-6c21-477b-b819-df69fe242d47\u002Fguide%20to%20liability%20insurance%20%282%29.jpg",[904,905,906],"n634d1627_2cbc_0159_74ac_0414a910eec9","n5143b117_c3a3_01d2_cd05_d98769058b5c","c5dcec11_f02f_015a_8857_9db78fec07e5",[908,920,929],{"elements":909,"system":915},{"text":910,"anchor_id":912},{"name":176,"type":7,"value":911},"What is liability insurance?",{"name":913,"type":7,"value":914},"Anchor ID","what-is-liability-insurance",{"codename":904,"collection":75,"id":916,"language":75,"lastModified":917,"name":916,"sitemapLocations":918,"type":919,"workflowStep":802,"workflow":802},"634d1627-2cbc-0159-74ac-0414a910eec9","2025-10-14T10:03:13.2163137Z",[],"anchor_tag",{"elements":921,"system":926},{"text":922,"anchor_id":924},{"name":176,"type":7,"value":923},"Types of liability insurance",{"name":913,"type":7,"value":925},"types-of-liability-insurance",{"codename":905,"collection":75,"id":927,"language":75,"lastModified":917,"name":927,"sitemapLocations":928,"type":919,"workflowStep":802,"workflow":802},"5143b117-c3a3-01d2-cd05-d98769058b5c",[],{"elements":930,"system":935},{"text":931,"anchor_id":933},{"name":176,"type":7,"value":932},"Overlaps and gaps of liability insurance types",{"name":913,"type":7,"value":934},"overlaps-and-gaps-of-liability-insurance-types",{"codename":906,"collection":75,"id":936,"language":75,"lastModified":917,"name":936,"sitemapLocations":937,"type":919,"workflowStep":802,"workflow":802},"c5dcec11-f02f-015a-8857-9db78fec07e5",[],[],"\u003Cp>In 2025, it’s never been more important to have financial safety. Liability Insurance can be an easy way of protecting individuals and your business if something goes wrong. Whether you’re face-to-face with customers, employing staff, selling products or in a professional advice service, there are always risks and potential legal and financial consequences.  \u003Cbr>\n\u003Cbr>\nThis guide will break down the different types of liability insurance, including what they are, who requires each type, legal requirements, and how Bionic can help you compare quotes and help you find the right cover for your business. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"551578d1-767d-4541-83f2-0682e13148a1\" data-image-id=\"551578d1-767d-4541-83f2-0682e13148a1\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002Fea366472-6c21-477b-b819-df69fe242d47\u002Fguide%20to%20liability%20insurance%20%282%29.jpg\" data-asset-id=\"551578d1-767d-4541-83f2-0682e13148a1\" data-image-id=\"551578d1-767d-4541-83f2-0682e13148a1\" alt=\"Bionic branded featured image with text 'a guide to types of liability insurance' with barista machine and coffee falling over with coffee splatters and donuts and cupcakes around the design.\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n634d1627_2cbc_0159_74ac_0414a910eec9\">\u003C\u002Fobject>\n\u003Ch2>What is liability insurance? \u003C\u002Fh2>\n\u003Cp>Liability insurance is a method of helping to protect your business and cover the cost of legal fees, compensation and associated costs if you or your business are found liable for causing financial loss, damage, injury or harm to any person or organisation. \u003C\u002Fp>\n\u003Cp>However, this does not mean all liability insurance is the same - there are many types of cover, meaning liability insurance is a broad category of insurance with a lot to consider. Some liability insurance types cover compensation for the physical injury of employees at work, while others safeguard directors from legal action. Some types are even required by law, such as employers' liability insurance, while others are optional but often required to manage potential risks.  \u003C\u002Fp>\n\u003Cp>Although liability insurance often covers costs such as legal defence costs, it does not typically cover the consequences of criminal acts, deliberate damages, or liability outside of your policy’s scope. \u003C\u002Fp>\n\u003Cp>Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5143b117_c3a3_01d2_cd05_d98769058b5c\">\u003C\u002Fobject>\n\u003Ch2>Types of liability insurance \u003C\u002Fh2>\n\u003Cp>Below are the five main types of liability insurance that individuals and businesses commonly consider. \u003C\u002Fp>\n\u003Cp>Each protects against a different kind of risk, and many businesses need a combination of several types to ensure complete protection. \u003C\u002Fp>\n\u003Cp>The main types of liability insurance are: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Public Liability Insurance\u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Employers’ Liability Insurance\u003C\u002Fa>\u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fproduct-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Product Liability Insurance\u003C\u002Fa>  \u003C\u002Fli>\n  \u003Cli>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fprofessional-indemnity-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Professional Indemnity Insurance\u003C\u002Fa>  \u003C\u002Fli>\n  \u003Cli>Directors’ and Officers’ Liability Insurance  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Public liability insurance  \u003C\u002Fh3>\n\u003Ch4>What is public liability insurance? \u003C\u002Fh4>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\">Public liability insurance\u003C\u002Fa> helps protect businesses against third-party claims of physical injury or property damage due to your business or associated activities.  \u003C\u002Fp>\n\u003Cp>This cover could help protect you from claims of negligence by persons that do not directly operate within the business, from customers, clients, to members of the public.  \u003C\u002Fp>\n\u003Cp>It can help cover certain costs in the event a claim is covered. Costs may include the value of legal defence, compensation payouts and other related expenses. \u003C\u002Fp>\n\u003Ch4>Is public liability insurance a legal requirement? \u003C\u002Fh4>\n\u003Cp>Public liability insurance is not a legal requirement for businesses, but it can be essential if your business: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Welcomes customers to a premises (like a shop, salon or cafe) \u003C\u002Fli>\n  \u003Cli>Works in public places (for example, construction or, landscaping) \u003C\u002Fli>\n  \u003Cli>Operates on client sites (like, trades or events) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Many organisations across the commercial and public sectors require proof of liability cover on a contractual basis. Therefore, having public liability insurance could increase your chances or getting work. \u003C\u002Fp>\n\u003Ch3>Employers’ liability insurance  \u003C\u002Fh3>\n\u003Ch4>What is employers’ liability insurance? \u003C\u002Fh4>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\">Employers’ liability insurance\u003C\u002Fa> helps protect your business from paying the compensation and legal fees required as a result of any injuries caused to your staff as a consequence of their work.  \u003C\u002Fp>\n\u003Cp>This can include direct injuries within the workplace, hearing loss from a loud work environment, repetitive strain injury (RSI) and accidents while working off-site.  \u003C\u002Fp>\n\u003Cp>Past employees could also be entitled to make claims, even years later; therefore, your insurance can help cover them beyond their time with the company. \u003C\u002Fp>\n\u003Cp>Is employers’ liability insurance a legal requirement? \u003C\u002Fp>\n\u003Cp>Employers’ liability insurance is a legal requirement for many businesses in the UK if they hire or enrol any permanent or temporary staff. This includes staff who are: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Full-time or part-time employees \u003C\u002Fli>\n  \u003Cli>Apprentices and trainees \u003C\u002Fli>\n  \u003Cli>Volunteers or unpaid interns \u003C\u002Fli>\n  \u003Cli>Temporary and seasonal workers \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>As this is a legal requirement for businesses, organisations may face \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Femployers-liability-insurance\">fines of up to \u003C\u002Fa>\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Femployers-liability-insurance\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">£2,500\u003C\u002Fa>\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Femployers-liability-insurance\"> per day\u003C\u002Fa> for being uninsured. \u003C\u002Fp>\n\u003Ch3>Product liability insurance  \u003C\u002Fh3>\n\u003Ch4>What is product liability insurance? \u003C\u002Fh4>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fproduct-liability-insurance\u002F?r=brndbi&gclid=Cj0KCQjw5azABhD1ARIsAA0WFUEFxYG5u090XafW-8zR3AleescYcojRsnik8pWpOD8insB3-el4Dy8aArRxEALw_wcB\">Product liability insurance\u003C\u002Fa> can help protect your business from the cost of legal fees and compensation resulting from a product you sell, supply, import or manufacture causing harm to any person or property.  \u003C\u002Fp>\n\u003Cp>Whether a product is produced by your business or imported from elsewhere, your business may be liable if it causes damage or harm, meaning product liability insurance is essential to ensure your business is covered for any product-related legal enquiry. \u003C\u002Fp>\n\u003Ch4>Is product liability insurance a legal requirement? \u003C\u002Fh4>\n\u003Cp>Product liability insurance is not a legal requirement for UK businesses - but, if you run a shop, wholesale business or manufacturing plant (to name a few) you should consider it. \u003C\u002Fp>\n\u003Cp>This liability insurance type helps in the event of claims for defective or harmful products, which could be severe, and the implications of multiple products causing harm could be considerable for the financial security of your business. \u003C\u002Fp>\n\u003Ch3>Professional indemnity insurance  \u003C\u002Fh3>\n\u003Ch4>What is professional indemnity insurance? \u003C\u002Fh4>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fprofessional-indemnity-insurance\u002F\">Professional indemnity (PI) insurance\u003C\u002Fa> can help protect businesses from claims that a service provided to a client, such as advice or expertise, caused financial losses.  \u003C\u002Fp>\n\u003Cp>Claims such as these are typically harder to prove and can extend to lengthy legal proceedings,  therefore you should consider investing in professional indemnity insurance, particularly if your services include consultancy, creative, financial, legal or technical services. Policies can typically cover the financial consequences and compensation of professional negligence, defamation, breach of contract and loss of sensitive documents. \u003C\u002Fp>\n\u003Cp>Is professional indemnity insurance a legal requirement? \u003C\u002Fp>\n\u003Cp>Professional indemnity insurance is not a legal requirement for businesses, but it is expected in certain sectors, such as finance and legal, due to corresponding governing bodies. Additionally, it is also an expectation of clients in some industries to view proof of liability cover on a contractual basis. \u003C\u002Fp>\n\u003Ch3>Directors’ and officers’ liability insurance  \u003C\u002Fh3>\n\u003Ch4>What is directors’ and officers’ liability insurance? \u003C\u002Fh4>\n\u003Cp>Directors’ and officers’ (D&O) liability insurance can help protect leadership within a company from personal liability for decisions made while in post. This could include decisions like employee disputes, misuse of company funds, and negligent misstatements. This liability insurance type can help cover claims made against them from shareholders, employees, regulators and suppliers.  \u003C\u002Fp>\n\u003Cp>The benefit of this liability insurance type is that it prevents personal assets from being put at risk as coverage includes the cost of settlements, investigation fees and legal defence. \u003C\u002Fp>\n\u003Ch4>Is directors’ and officers’ liability insurance a legal requirement? \u003C\u002Fh4>\n\u003Cp>Directors’ and officers’ liability insurance is not a legal requirement for businesses to provide for their leadership - however, it can be especially important for companies with boards, external investors and regulated businesses. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c5dcec11_f02f_015a_8857_9db78fec07e5\">\u003C\u002Fobject>\n\u003Ch2>Overlaps and gaps of liability insurance types \u003C\u002Fh2>\n\u003Cp>As we’ve seen, there are many financial risks to businesses, and each liability insurance type covers different ones.  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Public liability insurance can help cover injury to your customers, but it doesn’t cover injuries to your staff - for this, you would need employers’ liability cover. \u003C\u002Fli>\n  \u003Cli>Product liability insurance can help cover the consequences of faulty products, but not bad advice - for this, you would need professional indemnity insurance. \u003C\u002Fli>\n  \u003Cli>Directors’ and officers’ liability insurance can help protect directors from personal claims, but not the business. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Depending on your business,  it might be a good idea to consider a package insurance for your trade. \u003C\u002Fp>\n\u003Cp>You could start creating a simple checklist to see which cover types apply to your business, use our comparison tool and then speak to one of Bionic’s insurance brokers to compare insurance quotes from our vetted panel of trusted insurers.\u003C\u002Fp>\n\u003Ch2>How Bionic can help you protect your business \u003C\u002Fh2>\n\u003Cp>Bionic helps you \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">compare business insurance\u003C\u002Fa> quotes from a vetted panel of trusted insurers. With our comparative service, we’ll ensure you only pay for the cover you need, so you can keep your costs down while getting the right cover for your business needs. Whether you're a small business down the high street or an SME with multiple branches, get in touch with us today, Ready to protect your business with the right mix of liability insurance? \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbusiness-insurance.bionic.co.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Start a quote online\u003C\u002Fa>.\u003C\u002Fp>",{"name":807,"type":15,"value":941,"linkedItems":943},[942],"author___laura_court_jones",[],{"name":812,"type":15,"value":945,"linkedItems":946},[814],[],{"name":817,"type":818,"value":948,"displayTimeZone":820},"2025-10-13T09:00:00Z",{"name":822,"type":818,"value":802,"displayTimeZone":820},{"name":824,"type":11,"value":951},"liability-insurance-types\u002F",{"name":827,"type":7,"value":953},"A Guide to Understanding Liability Insurance Types",{"name":830,"type":7,"value":955},"Learn about all the essential types of liability insurance in our complete guide. From employers' liability to public liability, learn how they can help protect your business.",{"name":833,"type":834,"value":957},[958],{"name":837,"codename":838},{"name":840,"type":7,"value":960},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fcover-selection\u002Fliability-insurance-types\u002F",{"name":843,"type":15,"value":962,"linkedItems":963},[],[],{"name":847,"type":15,"value":965,"linkedItems":966},[849],[],{"name":852,"type":15,"value":968,"linkedItems":970},[969],"content_item___insurance_subfolder___cover_selecti_2f100db",[],{"name":857,"type":15,"value":972,"linkedItems":973},[],[],{"name":862,"type":23,"value":975},[976],{"name":977,"description":900,"type":243,"size":978,"url":902,"width":788,"height":787,"renditions":979},"guide to liability insurance (2).jpg",131644,{},{"name":869,"type":834,"value":981},[982],{"name":872,"codename":873},{"name":875,"type":834,"value":984},[985],{"name":837,"codename":838},{"name":879,"type":834,"value":987},[988],{"name":837,"codename":838},{"name":883,"type":834,"value":990},[991],{"name":872,"codename":873},{"codename":770,"collection":75,"id":993,"language":75,"lastModified":917,"name":994,"sitemapLocations":995,"type":890,"workflowStep":81,"workflow":75},"27c2a7ec-729e-4580-9460-a3beeef2f3e0","INSURANCE GUIDE: A Guide to the Types of Liability Insurance",[],{"elements":997,"system":1201},{"post__title":998,"post__summary":1000,"post__content":1002,"post__author":1151,"post__reviewer":1154,"publish_date":1157,"updated_date":1159,"url":1160,"seo__meta_title":1162,"seo__meta_description":1164,"seo__add_no_index_tag":1166,"seo__canonical_url":1169,"related_articles":1171,"categories":1174,"subfolder":1177,"tags":1180,"thumbnail_image":1183,"show_on_index_page":1189,"hide_author":1192,"hide_reviewer":1195,"hide_tags":1198},{"name":135,"type":7,"value":999},"A step-by-step guide to working with a business insurance broker",{"name":779,"type":7,"value":1001},"Never spoken to a business insurance broker before? Here's what you need to know: from finding one that’s right for your business, to renewals, claims and more. ",{"images":1003,"linkedItemCodenames":1008,"linkedItems":1023,"links":1149,"name":804,"type":177,"value":1150},[1004],{"description":1005,"imageId":1006,"url":1007,"height":787,"width":788},"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.","8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg",[1009,1010,1011,1012,1013,1014,1015,1016,1017,1018,1019,1020,1021,1022],"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8","n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4","n29f09511_2504_01a6_51e2_bc50ad81b499","cad2d966_191b_01f0_34e1_80a9af5adf8c","b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2","f1ebeb93_483d_0192_b691_1399529d6a78","n30fc9004_c12c_0169_53d6_9b80e37c59f6","n5ce29ae9_eb3c_019b_096c_8043777f1968","d83d3578_9bdc_0169_86f8_97702d32c3b3","fad3a51a_8b2a_018c_f861_ce792e0004ea","n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7","de398d25_e68a_01c3_3e4d_8ce889084e8f","a85b6af0_1f75_015d_3086_c63af75f75ab","n429f82f1_db5f_0196_f5ec_4b1e512b890a",[1024,1032,1041,1050,1059,1068,1077,1086,1095,1104,1113,1122,1131,1140],{"elements":1025,"system":1028},{"sound_cloud_id":1026},{"name":795,"type":7,"value":1027},"2242537154",{"codename":1009,"collection":75,"id":1029,"language":75,"lastModified":1030,"name":1029,"sitemapLocations":1031,"type":801,"workflowStep":802,"workflow":802},"4f97319b-a2f7-01aa-f28e-ba41d475dbe8","2026-01-06T11:01:43.2871159Z",[],{"elements":1033,"system":1037},{"video":1034},{"name":1035,"type":7,"value":1036},"Youtube Video","w02FKUS8ZII",{"codename":1010,"collection":75,"id":1038,"language":75,"lastModified":1030,"name":1038,"sitemapLocations":1039,"type":1040,"workflowStep":802,"workflow":802},"4f88bd1e-d4b8-013e-5a95-67a7e59ff6f4",[],"video_tag",{"elements":1042,"system":1047},{"text":1043,"anchor_id":1045},{"name":176,"type":7,"value":1044},"What is a business insurance broker and why use one? ",{"name":913,"type":7,"value":1046},"what-is-a-business-insurance-broker-and-why-use-one",{"codename":1011,"collection":75,"id":1048,"language":75,"lastModified":1030,"name":1048,"sitemapLocations":1049,"type":919,"workflowStep":802,"workflow":802},"29f09511-2504-01a6-51e2-bc50ad81b499",[],{"elements":1051,"system":1056},{"text":1052,"anchor_id":1054},{"name":176,"type":7,"value":1053},"How do I find and choose the right business insurance broker?",{"name":913,"type":7,"value":1055},"how-do-i-find-and-choose-the-right-business-insurance-broker",{"codename":1012,"collection":75,"id":1057,"language":75,"lastModified":1030,"name":1057,"sitemapLocations":1058,"type":919,"workflowStep":802,"workflow":802},"cad2d966-191b-01f0-34e1-80a9af5adf8c",[],{"elements":1060,"system":1065},{"text":1061,"anchor_id":1063},{"name":176,"type":7,"value":1062},"Questions to ask before choosing a broker",{"name":913,"type":7,"value":1064},"questions-to-ask-before-choosing-a-broker",{"codename":1013,"collection":75,"id":1066,"language":75,"lastModified":1030,"name":1066,"sitemapLocations":1067,"type":919,"workflowStep":802,"workflow":802},"b0fe8a1a-32dd-0144-5b5a-70e8a597c2a2",[],{"elements":1069,"system":1074},{"text":1070,"anchor_id":1072},{"name":176,"type":7,"value":1071},"What information does a broker need from my business?",{"name":913,"type":7,"value":1073},"what-information-does-a-broker-need-from-my-business",{"codename":1014,"collection":75,"id":1075,"language":75,"lastModified":1030,"name":1075,"sitemapLocations":1076,"type":919,"workflowStep":802,"workflow":802},"f1ebeb93-483d-0192-b691-1399529d6a78",[],{"elements":1078,"system":1083},{"text":1079,"anchor_id":1081},{"name":176,"type":7,"value":1080},"What happens if my business has unusual risks",{"name":913,"type":7,"value":1082},"what-happens-if-my-business-has-unusual-risks",{"codename":1015,"collection":75,"id":1084,"language":75,"lastModified":1030,"name":1084,"sitemapLocations":1085,"type":919,"workflowStep":802,"workflow":802},"30fc9004-c12c-0169-53d6-9b80e37c59f6",[],{"elements":1087,"system":1092},{"text":1088,"anchor_id":1090},{"name":176,"type":7,"value":1089},"How does the quote process work with a broker?",{"name":913,"type":7,"value":1091},"how-does-the-quote-process-work-with-a-broker",{"codename":1016,"collection":75,"id":1093,"language":75,"lastModified":1030,"name":1093,"sitemapLocations":1094,"type":919,"workflowStep":802,"workflow":802},"5ce29ae9-eb3c-019b-096c-8043777f1968",[],{"elements":1096,"system":1101},{"text":1097,"anchor_id":1099},{"name":176,"type":7,"value":1098},"What should I check before accepting a policy?",{"name":913,"type":7,"value":1100},"what-should-i-check-before-accepting-a-policy",{"codename":1017,"collection":75,"id":1102,"language":75,"lastModified":1030,"name":1102,"sitemapLocations":1103,"type":919,"workflowStep":802,"workflow":802},"d83d3578-9bdc-0169-86f8-97702d32c3b3",[],{"elements":1105,"system":1110},{"text":1106,"anchor_id":1108},{"name":176,"type":7,"value":1107},"How much do brokers charge, and how are they paid?",{"name":913,"type":7,"value":1109},"how-much-do-brokers-charge-and-how-are-they-paid",{"codename":1018,"collection":75,"id":1111,"language":75,"lastModified":1030,"name":1111,"sitemapLocations":1112,"type":919,"workflowStep":802,"workflow":802},"fad3a51a-8b2a-018c-f861-ce792e0004ea",[],{"elements":1114,"system":1119},{"text":1115,"anchor_id":1117},{"name":176,"type":7,"value":1116},"What happens when it’s time to renew?",{"name":913,"type":7,"value":1118},"what-happens-when-its-time-to-renew",{"codename":1019,"collection":75,"id":1120,"language":75,"lastModified":1030,"name":1120,"sitemapLocations":1121,"type":919,"workflowStep":802,"workflow":802},"5c2aba3f-52f7-01ce-d6ee-1af7b06035a7",[],{"elements":1123,"system":1128},{"text":1124,"anchor_id":1126},{"name":176,"type":7,"value":1125},"Common mistakes when working with a broker",{"name":913,"type":7,"value":1127},"common-mistakes-when-working-with-a-broker",{"codename":1020,"collection":75,"id":1129,"language":75,"lastModified":1030,"name":1129,"sitemapLocations":1130,"type":919,"workflowStep":802,"workflow":802},"de398d25-e68a-01c3-3e4d-8ce889084e8f",[],{"elements":1132,"system":1137},{"text":1133,"anchor_id":1135},{"name":176,"type":7,"value":1134},"Can I arrange other business services with a broker?",{"name":913,"type":7,"value":1136},"can-i-arrange-other-business-services-with-a-broker",{"codename":1021,"collection":75,"id":1138,"language":75,"lastModified":1030,"name":1138,"sitemapLocations":1139,"type":919,"workflowStep":802,"workflow":802},"a85b6af0-1f75-015d-3086-c63af75f75ab",[],{"elements":1141,"system":1146},{"text":1142,"anchor_id":1144},{"name":176,"type":7,"value":1143},"Building a long-term relationship with your broker",{"name":913,"type":7,"value":1145},"Building-a-long-term-relationship-with-your-broker",{"codename":1022,"collection":75,"id":1147,"language":75,"lastModified":1030,"name":1147,"sitemapLocations":1148,"type":919,"workflowStep":802,"workflow":802},"429f82f1-db5f-0196-f5ec-4b1e512b890a",[],[],"\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f97319b_a2f7_01aa_f28e_ba41d475dbe8\">\u003C\u002Fobject>\n\u003Cp>From understanding premiums to sums insured, getting your business properly covered doesn't have to feel like overwhelming jargon. And working with a reputable business insurance broker can make the process easier. \u003C\u002Fp>\n\u003Cp>The key is knowing what to do: from researching what a broker can offer to dealing with one so you can feel more prepared. \u003C\u002Fp>\n\u003Cp>Here's what you need to know about working with a commercial broker, including how to find one that’s right for your business, how they can help deal with renewals and claims, and more.\u003C\u002Fp>\n\u003Cfigure data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F63a85fa1-294b-41c8-96fb-6e7114afbcc8\u002FWorking%20with%20a%20broker%20%281%29.jpg\" data-asset-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" data-image-id=\"8aa2bf1f-abfc-4b10-966d-b4895d1fa7d0\" alt=\"graphic with text 'working with an insurance broker' with a female business owner stood next to a broker. They are stood in a warehouse full of boxes.\">\u003C\u002Ffigure>\n\u003Cp>\u003Cstrong>Five-point summary:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Benefits of using a broker\u003C\u002Fstrong> – Many brokers compare quotes, explain cover options, and negotiate with insurers on your behalf. All must be FCA‑regulated.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing a broker\u003C\u002Fstrong> – Check the FCA Register and ask about fees, insurers they work with, and claims support. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Information you need\u003C\u002Fstrong> – Share your details with your broker on activities, turnover, staff, premises, and any unusual risks to help get proper cover.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Quotes \u003C\u002Fstrong> – Brokers can search the market to find suitable quote options. They can help explain what's included and any exclusions to be aware of.\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Renewals \u003C\u002Fstrong>–  At renewal, many brokers recheck the market for quotes. Brokers like bionic, can also arrange other essentials for you, such as energy, broadband, and finance.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>Prefer to watch? See the roundup of this guide from Laura.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n4f88bd1e_d4b8_013e_5a95_67a7e59ff6f4\">\u003C\u002Fobject>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n29f09511_2504_01a6_51e2_bc50ad81b499\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What is a business insurance broker, and why use one?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A business insurance broker deals in the commercial insurance market, finding quotes for businesses on your behalf. \u003C\u002Fp>\n\u003Cp>Unlike going directly to an insurer, a broker usually searches multiple providers to find cover that fits your specific needs and budget.  \u003C\u002Fp>\n\u003Cp>Learn more about the differences between a \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fbroker-vs-direct-insurer-which-is-better\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">business insurance broker vs going directly to an insurer\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>Brokers handle the legwork of comparing policies, explaining complex terms, and negotiating on your behalf. They're particularly valuable if your business has unusual risks, previous claims, or if you're struggling to understand what cover you actually need. \u003C\u002Fp>\n\u003Cp>All legitimate UK business insurance brokers must be authorised by the \u003Ca href=\"https:\u002F\u002Fwww.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Conduct Authority (FCA)\u003C\u002Fa>. You can check a broker's credentials on the FCA Register before you use one. At Bionic, we are registered with the FCA. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cad2d966_191b_01f0_34e1_80a9af5adf8c\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How do I find and choose the right business insurance broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Start by checking the FCA Register to verify any broker you're considering is regulated. Although the minority, there are some brokers out there who may not be transparent and hit you with unexpected fees or leave you without adequate cover  \u003C\u002Fp>\n\u003Cp>All legitimate brokers are regulated by the FCA. This helps protect you as they must adhere to guidelines like treating customers fairly and not misleading. \u003C\u002Fp>\n\u003Cp>Then, look at your own business and find a broker who can help insure your type of business.  For example, large corporations may want to opt for a global broker while a high street business may want someone who specialises in cover for small businesses. \u003C\u002Fp>\n\u003Cp>At Bionic, we know UK small businesses, from \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fshop\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">shops\u003C\u002Fa> and \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">salons\u003C\u002Fa> to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Ftakeaway\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">takeaways\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhotel\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">hotels\u003C\u002Fa> and car mechanics, we can help arrange cover that’s right for you. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"b0fe8a1a_32dd_0144_5b5a_70e8a597c2a2\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>Questions to ask before choosing a broker\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’ve never spoken to a broker, you might be wondering what to ask. Depending on who you contact,  you might be able to speak to someone online or on the phone who can help iron out any questions. \u003C\u002Fp>\n\u003Cp>Consider asking: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>How do you charge – commission from insurers, fees, or both? \u003C\u002Fli>\n  \u003Cli>Which insurers do you work with? \u003C\u002Fli>\n  \u003Cli>What experience do you have with businesses like mine? \u003C\u002Fli>\n  \u003Cli>Will I have a dedicated contact person? \u003C\u002Fli>\n  \u003Cli>What support do you offer during claims? \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>UK law requires brokers to disclose their commission on commercial policies if you ask.  So don't be shy about having this conversation upfront, if you’re concerned, they should be transparent.  \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic - \u003Cem>“When you speak to our UK-based insurance team at Bionic, they’ll talk you through your options. You’ll also have the chance to ask any questions, so you can feel confident in any decision you make”\u003C\u002Fem>\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"f1ebeb93_483d_0192_b691_1399529d6a78\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What information does a broker need from my business?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Brokers need accurate business information to get you the right quotes. So, it's a good idea to do a little bit of prep before you speak to someone. Make sure you have these details handy: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Your business description and all activities  \u003C\u002Fli>\n  \u003Cli>Annual turnover and number of employees \u003C\u002Fli>\n  \u003Cli>Business premises details (owned, leased, square footage, roof materials) \u003C\u002Fli>\n  \u003Cli>Any previous insurance claims (last 5 years typically) \u003C\u002Fli>\n  \u003Cli>Current cover details if you're switching \u003C\u002Fli>\n  \u003Cli>Any unusual risks, circumstances or activities (like microblading in a salon) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Always try to have your turnover, payroll, latest accounts and previous insurance documents to hand, as this can help speed up the process, especially if you’re busy.  \u003C\u002Fp>\n\u003Cp>Remember, it's your duty to make sure the information you provide is accurate. If not, you could be left without adequate cover. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n30fc9004_c12c_0169_53d6_9b80e37c59f6\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>What happens if my business has unusual risks?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>An unusual risk can be anything that isn’t the norm in your business, that may not be covered in a standard policy. For example, this could be:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Working from home part-time \u003C\u002Fli>\n  \u003Cli>Storing hazardous materials \u003C\u002Fli>\n  \u003Cli>Working from a height  \u003C\u002Fli>\n  \u003Cli>Abrasive beauty treatments (like permanent tattooing) \u003C\u002Fli>\n  \u003Cli>Running a hybrid business (for example, a garden centre) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You must tell brokers about any of these activities, as they come with a new set of risks. Brokers often deal with unusual situations every day, so it’s likely they can arrange any specialist cover you might need. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5ce29ae9_eb3c_019b_096c_8043777f1968\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How does the quote process work with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Whether you have shared your details online or on the phone, a broker will search their panel – this can take as little as a few minutes. \u003C\u002Fp>\n\u003Cp>Depending on your business, a broker will approach multiple insurers on your behalf to find quote options. They know which insurers work with certain industries and to get competitive quotes to present back to you. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Understanding and comparing broker recommendations\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Your broker will provide your options on the phone and\u002For via email. Depending on your business, you might have 3-5 options, but you may just have one specialist provider. When considering which one to go for, important not to just look at price, you should compare: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>What's covered and what's excluded \u003C\u002Fli>\n  \u003Cli>Policy limits and excesses \u003C\u002Fli>\n  \u003Cli>Any add-ons that are included or that you may need \u003C\u002Fli>\n  \u003Cli>The reputation of each insurer when it comes to claims \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can always ask your broker to explain any terms you don't understand. For example, “premium” and \"material damage\" might sound straightforward on paper, but don't hesitate to ask for explanations if you aren’t really sure.  \u003C\u002Fp>\n\u003Cp>It’s also worth checking out our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fthe-bionic-insurance-jargon-buster\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">insurance jargon buster\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"d83d3578_9bdc_0169_86f8_97702d32c3b3\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should I check before accepting a policy?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Before you say yes to any policy, verify: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You’ve correctly described your business activities \u003C\u002Fli>\n  \u003Cli>You’re happy with the amount of cover \u003C\u002Fli>\n  \u003Cli>Your business address and employee count are right \u003C\u002Fli>\n  \u003Cli>You understand the terms and conditions, and what is and isn’t included  \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can also ask your broker to walk you through the exclusions section of your policy. This tells you what's \u003Cem>not\u003C\u002Fem> covered, which often matters as much as what is covered. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Making changes to your policy\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you get off the phone with your broker, read your policy again, and something doesn't look right, tell your broker straight away. A broker can help put it right, before the policy starts. Making alterations after your policy starts may cost extra or require the broker to speak to the insurer for approval. If you change any part of your policy, this may increase or decrease your premium. \u003C\u002Fp>\n\u003Cp>Commercial policies\u003Cem> don’t\u003C\u002Fem> include a 14-day cooling-off period, so you can’t cancel for a full refund if you change your mind. This differs from most home insurance policies and is worth keeping in mind. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"fad3a51a_8b2a_018c_f861_ce792e0004ea\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>How much do brokers charge, and how are they paid?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Most brokers earn money in 3 main ways: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Commission from insurers\u003C\u002Fstrong> – Typically agreed with each insurer \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Fees \u003C\u002Fstrong> – An admin or service fee that may be in addition to your premium cost \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>A combination of both\u003C\u002Fstrong> \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>It’s worth remembering that a broker's payment often comes from the insurer, so this doesn’t mean your premium is higher and using a broker doesn’t necessarily mean you are paying more compared to buying direct. Brokers are often able to negotiate good rates with insurers because they bring them business. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n5c2aba3f_52f7_01ce_d6ee_1af7b06035a7\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What happens when it’s time to renew?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>About 30 days before your policy ends, your broker will contact you about renewal.  \u003C\u002Fp>\n\u003Cp>Many brokers don't just accept the renewal quote from your current insurer. They'll check their panel again to see what other quotes are on offer, especially if your premium has increased significantly.  \u003C\u002Fp>\n\u003Cp>This is exactly what we do at Bionic. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fauthors\u002Ftara-mitchell\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Tara Mitchell\u003C\u002Fa>, Insurance Technical Manager at Bionic, confirms:  “\u003Cem>When renewing with Bionic, we carry out a fresh search of our panel to find the best quotes available to you. You can then decide to switch or stay with your current insurer, depending on your preference.\u003C\u002Fem>” \u003C\u002Fp>\n\u003Cp>Read up on \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Ftop-things-to-consider-when-renewing-business-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">renewing your business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Preparing for renewal\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If you’re approaching your renewal window (up to 30 days before your policy ends). You should update your broker on any business changes: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Changes in turnover or employee numbers \u003C\u002Fli>\n  \u003Cli>New business activities or locations \u003C\u002Fli>\n  \u003Cli>Claims made during the year \u003C\u002Fli>\n  \u003Cli>Any  changes to your sums insured \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Doing this ensures your cover still protects your business, and you aren’t left uninsured. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>When to switch insurers\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>If your premium rises without an obvious reason, you can always ask your broker why.  \u003C\u002Fp>\n\u003Cp>Sometimes switching insurers at renewal can save money, but it’s not always a good idea to switch purely on price.  \u003C\u002Fp>\n\u003Cp>Consider checking eviews for insurers before you switch to a new one.  And if you’re happy with your current insurer and the annual premium increase isn't too bad, there is no harm in staying. Often, your broker can deal with the renewal for you. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>How does a broker help with claims?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This really varies, depending on your broker. If you need to claim or have a claim made against you, some insurers will pass you directly over to your insurer. Others will deal with the process.  \u003C\u002Fp>\n\u003Cp>At Bionic, we don’t deal directly with claims, but we can give you any policy details you need and a contact number for your insurer. \u003C\u002Fp>\n\u003Cp>Read our \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbusiness-insurance-claim\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">step by step guide to claims\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>What you need to do when making a claim\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Contact your broker or insurer as soon as possible after an incident. They'll tell you exactly what to do next, but generally you'll need: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Photos and evidence of damage \u003C\u002Fli>\n  \u003Cli>Police or incident reports where relevant \u003C\u002Fli>\n  \u003Cli>Several repair quotes or invoices \u003C\u002Fli>\n  \u003Cli>Records of business interruption losses \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Remember to keep all receipts and correspondence, you'll need to provide the facts and evidence yourself. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"de398d25_e68a_01c3_3e4d_8ce889084e8f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Common mistakes when working with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Avoid these pitfalls when working with a broker: \u003C\u002Fp>\n\u003Col>\n  \u003Cli>\u003Cstrong>Withholding information\u003C\u002Fstrong> – If your broker doesn't know about a risk, they can't get you covered for it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Choosing on price alone\u003C\u002Fstrong> – The cheapest policy might not be the best, and leave you exposed when you claim. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Forgetting to update them\u003C\u002Fstrong> – Tell your broker when your business changes. If this is not reflected in your policy, you won’t be covered. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Missing renewal deadlines\u003C\u002Fstrong> – If your policy ends before you start a new one, you're uninsured. This can leave you liable for claims. Consider auto-renewals to prevent this. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Not reading policy documents\u003C\u002Fstrong> – We know no one likes reading the small print, but it’s a legal contract. Check the details match what you discussed. \u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"a85b6af0_1f75_015d_3086_c63af75f75ab\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Can I arrange other business services with a broker?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Some brokers can sort more than just business insurance. You might find you can arrange other utilities in a ‘one-stop shop’.. This could include:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Business energy contract switching \u003C\u002Fli>\n  \u003Cli>Business VoIP and broadband comparisons \u003C\u002Fli>\n  \u003Cli>Business loans and commercial mortgages \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Sorting any of these, in addition to your insurance, can help save you the hassle of dealing with multiple brokers or suppliers, saving you time (and even money). \u003C\u002Fp>\n\u003Cp>Ask what your broker offers if you're ever interested. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help you sort all the above. From finding your next energy deal, to sorting an upgraded broadband and VoIP system or arranging a commercial loan or mortgage. Get in touch today to find out more. \u003C\u002Fp>\n\u003Cp>Or read up on what else brokers like Bionic can offer you beyond insurance.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n429f82f1_db5f_0196_f5ec_4b1e512b890a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Building a long-term relationship with your broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As with any relationship, a good business and broker relationship is built over time. When you use the same broker and even speak to the same person, you build that trust. Your broker learns your business, anticipates your needs, and can become a trusted ‘go-to’. \u003C\u002Fp>\n\u003Cp>So, when your business changes, it’s a good idea to stay in regular contact with your broker to keep them updated, and this doesn’t just have to be at renewal. Always inform your broker about business changes, any expansions, or concerns you have about your cover. \u003C\u002Fp>\n\u003Cp>If your broker isn't meeting your expectations, speak to them about it to see if it can be resolved. If you still have issues, remember, you can always switch brokers. \u003C\u002Fp>\n\u003Ch2>\u003Cstrong>Getting started with a broker\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Ready to begin? Start by verifying potential brokers on the \u003Ca href=\"https:\u002F\u002Fregister.fca.org.uk\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">FCA Register,\u003C\u002Fa> once you’ve chosen one, gather all your business information, write down any questions you have and get in contact. \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Compare business insurance quotes\u003C\u002Fa> with Bionic today and start a quote online. Our UK-based, friendly brokers will be on-hand to talk you through your options and help arrange cover for you, with no hassle. \u003C\u002Fp>\n\u003Cp>Start a quote online now.\u003C\u002Fp>",{"name":807,"type":15,"value":1152,"linkedItems":1153},[942],[],{"name":812,"type":15,"value":1155,"linkedItems":1156},[809],[],{"name":817,"type":818,"value":1158,"displayTimeZone":820},"2025-12-11T09:03:00Z",{"name":822,"type":818,"value":802,"displayTimeZone":820},{"name":824,"type":11,"value":1161},"working-with-a-business-insurance-broker\u002F",{"name":827,"type":7,"value":1163},"Working with a business insurance broker: A step-by-step guide",{"name":830,"type":7,"value":1165},"Learn how to work with a business insurance broker in the UK. This step-by-step guide covers choosing a broker, getting quotes, renewals, and more. ",{"name":833,"type":834,"value":1167},[1168],{"name":837,"codename":838},{"name":840,"type":7,"value":1170},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fbrokers\u002Fworking-with-a-business-insurance-broker\u002F",{"name":843,"type":15,"value":1172,"linkedItems":1173},[],[],{"name":847,"type":15,"value":1175,"linkedItems":1176},[849],[],{"name":852,"type":15,"value":1178,"linkedItems":1179},[854],[],{"name":857,"type":15,"value":1181,"linkedItems":1182},[],[],{"name":862,"type":23,"value":1184},[1185],{"name":1186,"description":1005,"type":243,"size":1187,"url":1007,"width":788,"height":787,"renditions":1188},"Working with a broker (1).jpg",151029,{},{"name":869,"type":834,"value":1190},[1191],{"name":872,"codename":873},{"name":875,"type":834,"value":1193},[1194],{"name":837,"codename":838},{"name":879,"type":834,"value":1196},[1197],{"name":837,"codename":838},{"name":883,"type":834,"value":1199},[1200],{"name":872,"codename":873},{"codename":771,"collection":75,"id":1202,"language":75,"lastModified":1030,"name":1203,"sitemapLocations":1204,"type":890,"workflowStep":81,"workflow":75},"8068f267-7f83-462c-91e2-bd40727d3eb0","INSURANCE GUIDE - BROKERS - A step-by-step guide to working with a business insurance broker",[],{"elements":1206,"system":1401},{"post__title":1207,"post__summary":1209,"post__content":1211,"post__author":1351,"post__reviewer":1354,"publish_date":1357,"updated_date":1359,"url":1360,"seo__meta_title":1362,"seo__meta_description":1364,"seo__add_no_index_tag":1366,"seo__canonical_url":1369,"related_articles":1371,"categories":1374,"subfolder":1377,"tags":1380,"thumbnail_image":1383,"show_on_index_page":1389,"hide_author":1392,"hide_reviewer":1395,"hide_tags":1398},{"name":135,"type":7,"value":1208},"Do you need business insurance when you’re working from home?",{"name":779,"type":7,"value":1210},"Does your standard home insurance protect your business activities? Learn what insurance you actually need when running a business from home in the UK.",{"images":1212,"linkedItemCodenames":1217,"linkedItems":1231,"links":1349,"name":804,"type":177,"value":1350},[1213],{"description":1214,"imageId":1215,"url":1216,"height":787,"width":788},"Bionic branded graphic stating 'do I need insurance for working at home?'","70562290-8386-4fd8-95c9-1f6205b3ad3c","https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7fc9157f-2612-4558-bc6b-817807e94afc\u002FWork%20from%20home%20%283%29%20%281%29.jpg",[1218,1219,1220,1221,1222,1223,1224,1225,1226,1227,1228,1229,1230],"n75eaac36_2025_01b0_5050_febf8c646140","n0030886b_2254_0101_cf15_874fb81a862f","e3b9523e_527b_01d6_b36e_10729feee183","adbed77f_5aa1_01ea_24ef_cfa4686d0032","n016cc14a_0ca1_010a_f101_abe606e1bc9a","n878ebf94_ec49_017c_e704_6bd1017956da","n3106f617_78b4_0168_457c_7ac6d8b2f67f","n35e7d7aa_1011_01e6_6c8d_d90534d07398","n84ed1423_ff59_0153_b255_02a4fe45f473","n85599377_07ab_0102_2aca_eb25c6e8e8e8","cc31aa1f_8cf1_015e_8a7e_d6e8869bf73e","c9bee101_68cf_0132_5576_bed4f754d7e8","n64702800_bfb8_0138_4b43_69718b77f5f3",[1232,1242,1251,1260,1269,1278,1287,1295,1304,1313,1322,1331,1340],{"elements":1233,"system":1238},{"text":1234,"anchor_id":1236},{"name":176,"type":7,"value":1235},"Standard home insurance just isn’t designed for business activities",{"name":913,"type":7,"value":1237},"standard-home-insurance-just-isnt-designed-for-business-activities ",{"codename":1218,"collection":75,"id":1239,"language":75,"lastModified":1240,"name":1239,"sitemapLocations":1241,"type":919,"workflowStep":802,"workflow":802},"75eaac36-2025-01b0-5050-febf8c646140","2025-10-30T16:34:52.445452Z",[],{"elements":1243,"system":1248},{"text":1244,"anchor_id":1246},{"name":176,"type":7,"value":1245},"Does my home insurance cover me while working from home?",{"name":913,"type":7,"value":1247},"does-my-home-insurance-cover-me-while-working-from-home",{"codename":1219,"collection":75,"id":1249,"language":75,"lastModified":1240,"name":1249,"sitemapLocations":1250,"type":919,"workflowStep":802,"workflow":802},"0030886b-2254-0101-cf15-874fb81a862f",[],{"elements":1252,"system":1257},{"text":1253,"anchor_id":1255},{"name":176,"type":7,"value":1254},"Is business insurance a legal requirement for businesses that run from home?  ",{"name":913,"type":7,"value":1256},"is-business-insurance-a-legal-requirement-for-businesses-that-run-from-home  ",{"codename":1220,"collection":75,"id":1258,"language":75,"lastModified":1240,"name":1258,"sitemapLocations":1259,"type":919,"workflowStep":802,"workflow":802},"e3b9523e-527b-01d6-b36e-10729feee183",[],{"elements":1261,"system":1266},{"text":1262,"anchor_id":1264},{"name":176,"type":7,"value":1263},"Do I need to tell my insurer if I'm working from home?",{"name":913,"type":7,"value":1265},"do-i-need-to-tell-my-insurer-if-im-working-from-home",{"codename":1221,"collection":75,"id":1267,"language":75,"lastModified":1240,"name":1267,"sitemapLocations":1268,"type":919,"workflowStep":802,"workflow":802},"adbed77f-5aa1-01ea-24ef-cfa4686d0032",[],{"elements":1270,"system":1275},{"text":1271,"anchor_id":1273},{"name":176,"type":7,"value":1272},"Do I need business insurance for employees who work from home?  ",{"name":913,"type":7,"value":1274},"do-i-need-business-insurance-for-employees-who-work-from-home",{"codename":1222,"collection":75,"id":1276,"language":75,"lastModified":1240,"name":1276,"sitemapLocations":1277,"type":919,"workflowStep":802,"workflow":802},"016cc14a-0ca1-010a-f101-abe606e1bc9a",[],{"elements":1279,"system":1284},{"text":1280,"anchor_id":1282},{"name":176,"type":7,"value":1281},"When do I need to get business insurance at home?",{"name":913,"type":7,"value":1283},"when-do-i-need-to-get-business-insurance-at-home",{"codename":1223,"collection":75,"id":1285,"language":75,"lastModified":1240,"name":1285,"sitemapLocations":1286,"type":919,"workflowStep":802,"workflow":802},"878ebf94-ec49-017c-e704-6bd1017956da",[],{"elements":1288,"system":1292},{"text":1289,"anchor_id":1291},{"name":176,"type":7,"value":1290},"Why can’t I just use standard home insurance?",{"name":913,"type":7,"value":1290},{"codename":1224,"collection":75,"id":1293,"language":75,"lastModified":1240,"name":1293,"sitemapLocations":1294,"type":919,"workflowStep":802,"workflow":802},"3106f617-78b4-0168-457c-7ac6d8b2f67f",[],{"elements":1296,"system":1301},{"text":1297,"anchor_id":1299},{"name":176,"type":7,"value":1298},"When does regular home insurance fall short? ",{"name":913,"type":7,"value":1300},"when-does-regular-home-insurance-fall-short",{"codename":1225,"collection":75,"id":1302,"language":75,"lastModified":1240,"name":1302,"sitemapLocations":1303,"type":919,"workflowStep":802,"workflow":802},"35e7d7aa-1011-01e6-6c8d-d90534d07398",[],{"elements":1305,"system":1310},{"text":1306,"anchor_id":1308},{"name":176,"type":7,"value":1307},"A real-life example of how standard home insurance fails",{"name":913,"type":7,"value":1309},"a-real-life-example-of-how-standard-home-insurance-fails",{"codename":1226,"collection":75,"id":1311,"language":75,"lastModified":1240,"name":1311,"sitemapLocations":1312,"type":919,"workflowStep":802,"workflow":802},"84ed1423-ff59-0153-b255-02a4fe45f473",[],{"elements":1314,"system":1319},{"text":1315,"anchor_id":1317},{"name":176,"type":7,"value":1316},"What type of insurance do I need if I work from home? ",{"name":913,"type":7,"value":1318},"what-type-of-insurance-do-i-need-if-i-work-from-home",{"codename":1227,"collection":75,"id":1320,"language":75,"lastModified":1240,"name":1320,"sitemapLocations":1321,"type":919,"workflowStep":802,"workflow":802},"85599377-07ab-0102-2aca-eb25c6e8e8e8",[],{"elements":1323,"system":1328},{"text":1324,"anchor_id":1326},{"name":176,"type":7,"value":1325},"Will my home insurance premium increase if I work from home?",{"name":913,"type":7,"value":1327},"will-my-home-insurance-premium-increase-if-i-work-from-home",{"codename":1228,"collection":75,"id":1329,"language":75,"lastModified":1240,"name":1329,"sitemapLocations":1330,"type":919,"workflowStep":802,"workflow":802},"cc31aa1f-8cf1-015e-8a7e-d6e8869bf73e",[],{"elements":1332,"system":1337},{"text":1333,"anchor_id":1335},{"name":176,"type":7,"value":1334},"What should I do if my home-based business grows or if I hire remote staff?",{"name":913,"type":7,"value":1336},"what-should-i-do-if-my-home-based-business-grows-or-if-i-hire-remote-staff",{"codename":1229,"collection":75,"id":1338,"language":75,"lastModified":1240,"name":1338,"sitemapLocations":1339,"type":919,"workflowStep":802,"workflow":802},"c9bee101-68cf-0132-5576-bed4f754d7e8",[],{"elements":1341,"system":1346},{"text":1342,"anchor_id":1344},{"name":176,"type":7,"value":1343},"Making insurance work for your home-based business",{"name":913,"type":7,"value":1345},"making-insurance-work-for-your-home-based-business",{"codename":1230,"collection":75,"id":1347,"language":75,"lastModified":1240,"name":1347,"sitemapLocations":1348,"type":919,"workflowStep":802,"workflow":802},"64702800-bfb8-0138-4b43-69718b77f5f3",[],[],"\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.finder.com\u002Fuk\u002Fsavings-accounts\u002Fworking-from-home-statistics\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">2 in 5 people\u003C\u002Fa> across the UK work from home (at least some of the time). And this hybrid approach has become the new norm for many, including some business owners.  \u003C\u002Fp>\n\u003Cp>Whether you're a freelancer, self-employed, or running a small business from your spare room, you might think your standard home insurance has you completely covered. But the reality is - it probably doesn't. \u003C\u002Fp>\n\u003Cp>Why? Let's break it down. \u003C\u002Fp>\n\u003Cfigure data-asset-id=\"70562290-8386-4fd8-95c9-1f6205b3ad3c\" data-image-id=\"70562290-8386-4fd8-95c9-1f6205b3ad3c\">\u003Cimg src=\"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F7fc9157f-2612-4558-bc6b-817807e94afc\u002FWork%20from%20home%20%283%29%20%281%29.jpg\" data-asset-id=\"70562290-8386-4fd8-95c9-1f6205b3ad3c\" data-image-id=\"70562290-8386-4fd8-95c9-1f6205b3ad3c\" alt=\"Bionic branded graphic stating 'do I need insurance for working at home?'\">\u003C\u002Ffigure>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n75eaac36_2025_01b0_5050_febf8c646140\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Standard home insurance just isn’t designed for business activities\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>This means if something goes wrong – like damaged stock or a client injury, you may not be covered if a claim comes your way.  Even worse, you may have to pay the costs of compensation yourself.  \u003C\u002Fp>\n\u003Cp>That’s why understanding what insurance you might need when running a business from home could save you from costly mistakes and help you get the protection your business needs – even if that's from the kitchen table.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n0030886b_2254_0101_cf15_874fb81a862f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Does my home insurance cover me while working from home?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>A personal home insurance policy is unlikely to cover working from home, especially if you are a business owner.  \u003C\u002Fp>\n\u003Cp>In general, home insurance only insures the items you own. For example, if you turned your house upside down and gave it a shake, anything that falls out would be covered by contents insurance. Everything that remains attached would be covered by buildings insurance. But it's unlikely that any products, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fstock-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">stock\u003C\u002Fa>, or equipment used for business purposes would be covered. \u003C\u002Fp>\n\u003Cp>If this is the case, it might be best to take out a business insurance policy \u003Cem>on top of\u003C\u002Fem> your existing home contents insurance.  \u003C\u002Fp>\n\u003Cp>If you only have home insurance and you’re wondering what other cover you need, then speak to your insurance provider or get in touch with us at Bionic, and we’ll be able to help with your specific situation. \u003C\u002Fp>\n\u003Cp>But that’s where business insurance could come in. Not all business insurance is mandatory by law, but some types of cover, like \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fpublic-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">public liability insurance\u003C\u002Fa>, may be worth considering.  \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"e3b9523e_527b_01d6_b36e_10729feee183\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Is business insurance a legal requirement for businesses that run from home? \u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Femployers-liability-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">Employers’ liability\u003C\u002Fa> is the only insurance that’s a legal requirement for most businesses in the UK if they have employees. It can help cover the cost of employee claims for an illness or injury due to carrying out work. \u003C\u002Fp>\n\u003Cp>Not all insurance types are legally required, but are worth considering if you want to protect your business.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"adbed77f_5aa1_01ea_24ef_cfa4686d0032\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Do I need to tell my insurer if I'm working from home?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>It’s important to tell your insurance provider if you work from home, especially as a business owner. This is to ensure you have the right cover that fits the needs of your business.  \u003C\u002Fp>\n\u003Cp>You should tell them in the following circumstances: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>You have \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fstock-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">purchased stock\u003C\u002Fa> or business equipment, and you’re storing them at home \u003C\u002Fli>\n  \u003Cli>Your business sells or creates products from your home \u003C\u002Fli>\n  \u003Cli>You have customers visiting your home for services — for nail or hair treatments, for example. \u003C\u002Fli>\n  \u003Cli>You have extended or adapted your home for business use. For example, building a home office in the garden. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n016cc14a_0ca1_010a_f101_abe606e1bc9a\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Do I need business insurance for employees who work from home? \u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>If you have any employees, \u003Cstrong>by law, you\u003C\u002Fstrong> \u003Cstrong>must take out employers’ liability insurance that covers damages of at least £5m\u003C\u002Fstrong>. This applies to employees who work at your business premises but also if they work from home.  \u003C\u002Fp>\n\u003Cp>Most policies will include cover for your employees working from home, but it’s best to double-check the policy wording or ask your insurer if you’re unsure.  \u003C\u002Fp>\n\u003Cp>For example, \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fworkshop-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">workshop insurance\u003C\u002Fa> may include employers’ liability insurance along with public liability insurance and other types of cover like business contents insurance.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n878ebf94_ec49_017c_e704_6bd1017956da\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>When do I need to get business insurance at home?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>There are many situations where your work and home life can blur – but in many situations, you may need dedicated business cover:  \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Storing business stock or inventory at home - \u003C\u002Fstrong>If you keep products for sale, materials, or supplies beyond basic office equipment, this counts as business stock. Your standard home insurance won't cover it. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Having clients, customers, or other business visitors -\u003C\u002Fstrong> If people visit your home for business purposes, you should consider public liability insurance. This can help protect you if someone gets injured on your property during a business visit. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Using specialist equipment or expensive technology – \u003C\u002Fstrong>Have a £3,000 computer setup, professional camera gear, or special machinery? Standard home contents insurance won’t cover business equipment so you should consider business cover.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Modifying your home for business activities -\u003C\u002Fstrong> Converting a garage into a workshop, building a studio, or making structural changes for business use could mean your buildings insurance may need updating too. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Employing staff – even one person - \u003C\u002Fstrong>This is non-negotiable. UK law requires employers' liability insurance if you have any employees, regardless of where they work. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n3106f617_78b4_0168_457c_7ac6d8b2f67f\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Why can’t I just use standard home insurance?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Standard home insurance policies exclude business use for good reason. Running a business from home changes your risk profile, this means insurers may see more risks!  \u003C\u002Fp>\n\u003Cp>You might have more valuable equipment, more visitors like supplies or customers, or even hazardous materials that wouldn't normally be in a residential property – especially if you are a tradesman. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n35e7d7aa_1011_01e6_6c8d_d90534d07398\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>When does regular home insurance fall short?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Imagine if a client trips on your doorstep during a business meeting and suffers an injury, or if your laptop containing client data gets stolen. Maybe you're a baker and your fridge full of cake orders stops working overnight and they spoil. You need the right business cover to help protect you from a claim in any of these instances.\u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n84ed1423_ff59_0153_b255_02a4fe45f473\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>A real-life example of how standard home insurance fails\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Imagine you run a bakery from your home and don’t tell your insurer. One day, when baking an order of cupcakes, your oven malfunctions and sets on fire. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fbakery\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">bakery insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>You need to make a claim, but when you contact your home insurer, they denied the claim and then cancelled your policy due to non-disclosure. \u003C\u002Fp>\n\u003Cp>Remember, \u003Cstrong>always tell your home insurance provider\u003C\u002Fstrong> if you are running a business at home. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n85599377_07ab_0102_2aca_eb25c6e8e8e8\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What type of insurance do I need if I work from home?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>As a business owner, if you work from home and have clients, suppliers, or members of the public visiting your home for business purposes, then you should consider taking out \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fhome-based-business\u002F\">home-based business insurance\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>This is a package of cover that can be tailored to your home-based business, it could include: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Public liability insurance\u003C\u002Fstrong> - Public liability insurance can help cover the cost of claims if someone gets hurt or their property is damaged because of your business.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Professional indemnity insurance \u003C\u002Fstrong>- This protects you if a customer sues you for damages because of professional negligence or due to a mistake in your work. For example, if you are a solicitor and provide legal advice, this cover can protect you if a client suffers financial or even reputational loss and wishes to sue you.  \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Stock and contents insurance\u003C\u002Fstrong> - This type of cover can help protect your goods against theft, floods or fire and is an important consideration for traders, manufacturers and those in hospitality – especially if you store stock at home. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Product liability insurance \u003C\u002Fstrong>– This covers you in case a product you have sold, manufactured, or designed injures someone or damages something. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Legal expenses insurance\u003C\u002Fstrong> - This insurance will protect businesses against the cost of most legal action in the UK, whether the case is brought by you or against you. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Business interruption insurance -\u003C\u002Fstrong> This cover is designed to help protect the profits and cash flow of your business if a disaster or event causes material damages and you're not able to operate normally. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"cc31aa1f_8cf1_015e_8a7e_d6e8869bf73e\">\u003C\u002Fobject>\n\u003Ch3>\u003Cstrong>Will my home insurance premium increase if I work from home?\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>It's possible, but it may not be as much as you think. Telling your home insurer about business activities could potentially increase your premium because you have more risks. Remember, always tell your home insurer if you work from home, you won’t be able to make a claim if you don’t. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>How working from home affects premiums\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Several factors may influence whether and how much your premium increases: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Type of work - \u003C\u002Fstrong>Office work that is generally lower risk (like writing, consulting, or design) may be seen as less risky than some other trades. High-risk activities (manufacturing, a food business or storing chemicals) may be more likely to increase premiums.) \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Visitors -\u003C\u002Fstrong> Occasional client meetings in a home office may seem less risky than running a bakery or salon in your home, where supplies, stock and even customers could be present. Learn more about \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fsalon\u002F\">salon insurance\u003C\u002Fa>. \u003C\u002Fli>\n  \u003Cli>\u003Cstrong>Equipment value - \u003C\u002Fstrong>Adding £500 of business equipment could affect your home contents value, so it’s worth checking this. \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"c9bee101_68cf_0132_5576_bed4f754d7e8\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>What should I do if my home-based business grows or if I hire remote staff?\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>Growing your business can be exciting, but it can also bring new insurance needs.  \u003C\u002Fp>\n\u003Cp>If you move from running your business from a spare bedroom to converting your garage or building a garden office, make sure you tell both your home and business insurers. These changes could affect: \u003C\u002Fp>\n\u003Cul>\n  \u003Cli>Buildings insurance (structural changes need declaring) \u003C\u002Fli>\n  \u003Cli>Planning permission requirements \u003C\u002Fli>\n  \u003Cli>Business rates (you might become liable) \u003C\u002Fli>\n  \u003Cli>Scope of cover (more space often means more equipment and stock) \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cstrong>Increasing stock levels or equipment\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>As your business grows, and you sell more stock – you should tell your insurer so they can increase your level of cover. \u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Taking on commercial contracts\u003C\u002Fstrong> \u003C\u002Fh3>\n\u003Cp>Some clients may require proof of specific insurance before working with you.  \u003C\u002Fp>\n\u003Cp>Depending on what area you work in - professional indemnity of £1 million or public liability of £5 million could be common requirements. \u003C\u002Fp>\n\u003Cp>If a contract demands higher limits than you currently have, you should contact your broker or insurer to talk about increasing your cover limits. This is usually a straightforward process. \u003C\u002Fp>\n\u003Cobject type=\"application\u002Fkenticocloud\" data-type=\"item\" data-rel=\"component\" data-codename=\"n64702800_bfb8_0138_4b43_69718b77f5f3\">\u003C\u002Fobject>\n\u003Ch2>\u003Cstrong>Making insurance work for your home-based business\u003C\u002Fstrong> \u003C\u002Fh2>\n\u003Cp>The bottom line? If you run any kind of business from home – even part-time – you should think about finding the right business insurance, as it’s unlikely you’ll be covered by your home insurance. \u003C\u002Fp>\n\u003Cp>At Bionic, we can help sort your business essentials – from insurance and energy to broadband and phone. Start a quote online today to \u003Ca href=\"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002F\" data-new-window=\"true\" target=\"_blank\" rel=\"noopener noreferrer\">compare business insurance quotes.\u003C\u002Fa> \u003C\u002Fp>",{"name":807,"type":15,"value":1352,"linkedItems":1353},[942],[],{"name":812,"type":15,"value":1355,"linkedItems":1356},[809],[],{"name":817,"type":818,"value":1358,"displayTimeZone":820},"2025-10-30T15:32:00Z",{"name":822,"type":818,"value":802,"displayTimeZone":802},{"name":824,"type":11,"value":1361},"do-you-need-business-insurance-working-from-home\u002F",{"name":827,"type":7,"value":1363},"Do I need ‘work from home’ insurance? A UK small business guide",{"name":830,"type":7,"value":1365},"Is your home insurance enough? Find out what cover you really need for running a business at home.",{"name":833,"type":834,"value":1367},[1368],{"name":837,"codename":838},{"name":840,"type":7,"value":1370},"https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fguides\u002Fdo-you-need-business-insurance-working-from-home\u002F",{"name":843,"type":15,"value":1372,"linkedItems":1373},[],[],{"name":847,"type":15,"value":1375,"linkedItems":1376},[849],[],{"name":852,"type":15,"value":1378,"linkedItems":1379},[],[],{"name":857,"type":15,"value":1381,"linkedItems":1382},[],[],{"name":862,"type":23,"value":1384},[1385],{"name":1386,"description":1214,"type":243,"size":1387,"url":1216,"width":788,"height":787,"renditions":1388},"Work from home (3) (1).jpg",205126,{},{"name":869,"type":834,"value":1390},[1391],{"name":872,"codename":873},{"name":875,"type":834,"value":1393},[1394],{"name":837,"codename":838},{"name":879,"type":834,"value":1396},[1397],{"name":837,"codename":838},{"name":883,"type":834,"value":1399},[1400],{"name":872,"codename":873},{"codename":772,"collection":75,"id":1402,"language":75,"lastModified":1240,"name":1403,"sitemapLocations":1404,"type":890,"workflowStep":81,"workflow":75},"3f200e9f-ec7c-43ec-8ef6-0a164f35fb70","INSURANCE GUIDE - Do you need business insurance when you’re working from home?",[],{"codename":128,"collection":75,"id":1406,"language":75,"lastModified":1407,"name":1408,"sitemapLocations":1409,"type":128,"workflowStep":81,"workflow":75},"6ec02a75-79c8-4487-b38e-10badfbf465c","2026-02-04T11:42:05.9346731Z","Content Block - Guides",[],{"elements":1411,"system":1435},{"title_left":1412,"text_left":1414,"cta_button_text":1420,"cta_link_url":1422,"image_right":1424},{"name":501,"type":7,"value":1413},"Not your usual boring business content!",{"images":1415,"linkedItemCodenames":1416,"linkedItems":1417,"links":1418,"name":150,"type":177,"value":1419},[],[],[],[],"\u003Cp>\u003Cstrong>Sign-up to The Backbone\u003C\u002Fstrong>, our free fortnightly newsletter for anyone who owns, runs, or works in one of the millions of businesses across the UK. Get the inside track from real business owners just like you\u003C\u002Fp>",{"name":49,"type":7,"value":1421},"Yes, sign me up",{"name":52,"type":7,"value":1423},"https:\u002F\u002Fbackbone.bionic.co.uk\u002Fsign-up",{"name":1425,"type":23,"value":1426},"Image Right",[1427],{"name":1428,"description":1429,"type":28,"size":1430,"url":1431,"width":1432,"height":1433,"renditions":1434},"backbone-image.png","Backbone cover photo",144987,"https:\u002F\u002Fassets-eu-01.kc-usercontent.com:443\u002F77bbf83a-1306-0152-fea5-3b5eaf937634\u002F3212614b-64af-47bf-8de8-bb4b18ed29cb\u002Fbackbone-image.png",452,403,{},{"codename":129,"collection":75,"id":1436,"language":75,"lastModified":1437,"name":1438,"sitemapLocations":1439,"type":1440,"workflowStep":81,"workflow":75},"31d6b6b9-30ef-4f5a-bde5-ec18f1823f86","2024-11-19T13:47:59.5857742Z","Content Block - Image with CTA - Ins Backbone",[],"content_block___image_with_cta",{"elements":1442,"system":1443},{},{"codename":130,"collection":75,"id":1444,"language":75,"lastModified":1445,"name":1446,"sitemapLocations":1447,"type":130,"workflowStep":81,"workflow":75},"27c81dfe-7041-4ad0-913b-6f7b41ef4a2b","2024-11-12T12:29:58.1483257Z","Content Block - Social",[],{"name":1449,"type":7,"value":1450},"Meta Title","Product Liability Insurance Quotes for Small Business with Bionic",{"name":1452,"type":7,"value":1453},"Meta Description","Compare product liability insurance quotes from our panel and protect your business against claims. Compare, switch and renew with Bionic.",{"name":1455,"type":7,"value":1456},"Meta Canonical","https:\u002F\u002Fbionic.co.uk\u002Fbusiness-insurance\u002Fproduct-liability-insurance\u002F",{"name":1458,"type":834,"value":1459},"Meta Robots",[1460],{"name":1461,"codename":1461},"index",{"name":1463,"type":834,"value":1464},"Meta Aggregate Schema",[],{"codename":1466,"collection":75,"id":1467,"language":75,"lastModified":1468,"name":1469,"sitemapLocations":1470,"type":1471,"workflowStep":81,"workflow":75},"product_liability_insurance___new_6094a21","6094a218-cd2a-416f-aab2-655fa63f1a36","2026-05-11T09:39:11.0406145Z","Product Liability Insurance - New",[],"seo_product_page",1785233437975]