What types of small businesses can you insure?
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You can also buy the following types of policy:
- Market trader insurance
- Shop insurance
- Office Insurance
- Restaurant or café insurance
- Painter or decorator's insurance
Market trader insurance is for those with a market stall or food and drink van. It usually includes product and public liability cover with the option to add employers' liability insurance if you need it.
Shop insurance covers physical and online shops and provides cover for your stock, staff, and customers. You can usually add cover for accidental damage, terrorism, business equipment and legal expenses.
Office Insurance covers your office equipment, stock and staff. It covers anything from a flood or fire to an employee or member of the public making a legal claim against you.
Restaurant or café insurance protects your stock, building employees and customers. It's tailored to the specific business type. You'll have public and product liability, plus cover for your stock and the building premises.
Painter or decorator's insurance can cover your equipment on the job or while travelling to it. You can also add optional employers' liability insurance if you employ anyone that's not a family member. Or public liability insurance to cover yourself if there's an accident and someone sues you.