There are a number of reasons you might want to consider taking out small business cover. It can protect you and your business whether you work alone like a mobile hairdresser or tradesman or if you have a bigger business with employees such as a guesthouse or a restaurant.
There are countless scenarios where you might want this cover, each being different depending on the business you're in, and each requiring a different level of cover.
- If a mobile hairdresser gives a client a chemical burn by accident, and the client takes out a lawsuit against the hairdresser you would be grateful for public liability insurance.
A waiter working at a restaurant slipping on a wet floor where there was no sign and breaks their leg as a result, then you might need employers liability insurance.
- If you're a shop owner you may want a combination of these products to ensure you're covered, including landlords insurance for business use to protect your premises.
Did you know? As an employer it is your responsibility to protect your business and employees. Visit Gov.uk for more information.
If you're still unsure which type of insurance you might need for your business take a look at our small business insurance guides. They talk about the different types of insurance that you could buy, and why you might need them.