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What are the main types of business insurance?

Different types of commercial insurance policies are designed to cover different kinds of risks. The key to getting the right cover for your business is working out which ones you need and which ones you don’t. Here are the main types of cover you might need to consider for your business:

Commercial building insurance

To protect business premises that you own, whether you're using them or renting them out to others.

Professional indemnity insurance

In case a customer sues you for damages because of a mistake in your work.

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Employers’ liability insurance

In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.

Public liability insurance

In case you injure someone or damage something while providing your services.

Stock and contents insurance

Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events.

Product liability insurance

In case a product you have sold, manufactured, or designed injures someone or damages something

Legal expenses insurance

To cover the cost of the legal expenses of any claims you make or that are made against you

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Business interruption insurance

To provide compensation if a listed event stops your business from running normally.

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