A range of business insurance covers to fit your needs

For a truly tailored business insurance policy, we offer a wide range of optional covers which you can add on to key covers such as public liability insurance.

Here is a summary of each type of cover we offer.

Public liability insurance

Public liability insurance pays out if, as a result of your business, a third party (e.g. a client or member of the public) is injured, killed or their property is damaged.
More on public liability

Professional indemnity insurance

If a client suffers a loss as a result of negligence or mistakes in the service you provide or advice your business has given, this insurance will cover the cost of claims and related legal expenses.

You can buy professional indemnity as part of your public liability business insurance policy or as a separate policy.
More on professional indemnity

Employers' liability insurance

A legal requirement if your business employs staff, employers’ liability insurance will pay out for claims resulting from injury to or death of an employee, or in some cases, employee illness.

More on employers’ liability

Business buildings insurance

Business buildings insurance pays out on claims for damage to the building your business is based in, as a result of disasters such as fire or flood. If you work from home, you can save money by having just one cover to insure your home and your home office, included in your business policy.
More on business buildings cover

Business interruption insurance

Business interruption insurance can help protect your business if you are forced to temporarily stop trading due to damage to your business premises or equipment. Revenue protection can offset your lost income, while additional trading expenses cover can give you the financial help you need to get your business back on its feet.

Laptop insurance and business equipment cover

Many businesses rely on their IT equipment. Without their trusty laptop, many business owners simply would not be able to do their job.

Laptops are particularly vulnerable to theft. Even worse, they can be hugely expensive to replace. As a result, many business owners think about taking out separate laptop insurance.

With Simply Business, separate laptop cover isn't necessary. You can easily protect your laptop by adding cover to your overall business insurance policy. More on laptop insurance.

Stock insurance

Stock insurance – if you hold any stock on your premises or in storage, this insurance will cover the cost of replacing it (at cost price) if it is damaged, destroyed or stolen. More on stock insurance.

Other business insurance covers

Tools and equipment cover – if the tools or equipment that you use in your work are damaged, destroyed, lost or stolen, this cover will pay for the cost of replacements or repairs.
More on tools cover

Contract works cover – this insures your construction projects (both permanent and temporary), along with any materials you are using on those projects, again theft or damage.  You can also get plant and plant hire cover.

Business contents insurance – you can insure the contents of your business premises against damage, loss or theft.  
More on business contents cover

Fixtures and fittings insurance – covers the cost of damage to the fixtures and fittings in your business premises, including items such as shelving, kitchen units, lights, counters etc.
More on fixtures and fittings cover

Front of premises insurance – covers the cost of repairing damage to the front of your business premises, including items such as windows, signage, canopies etc.
More on business premises cover

Loss of licence – if you lose your licence due to certain circumstances (that are detailed on the policy), you can use this cover to recoup some of the resulting reduction in the value of your business or premises.

Legal expenses – if you are involved in a legal dispute, the cost can be huge. This type of insurance covers the cost of your legal bill.