If you run a business from home you will need to have insurance. You can insure your home as it is where your business is located and you can also cover the business equipment you use.

Simply Business gives you the ability to compare Home Business Insurance quotes from leading insurance providers in the UK. You can then buy your insurance online quickly and easily.

The following types of cover from Simply Business are particularly suitable to be included with your Home Business Insurance:

Public Liability Insurance – Even though you have a home based business you will need to be covered for injury or damage you may accidentally cause to another person or their property whilst you are carrying out your business activities.

Professional Indemnity Insurance – If you are working in an industry where you give professional advice to people, you will need to be covered by Professional Indemnity Insurance. This will protect you if any advice you give causes a financial loss for someone. You will be covered for claims made against you.

Business Buildings Insurance – You can cover your home office if it is where you do business. You will then be covered if you need to make a claim because of reasons such as your building has suffered damage and you can’t trade as normal.

Tool and Equipment Cover – You can insure the tools and equipment that you need to do business. If you work from a home office you can cover equipment such as your Laptop or other equipment you use.

Reasons why you should use Simply Business for your Home Business Insurance Quote:

• compare quotes from leading insurance providers in the UK
• buy your insurance online quickly and easily
• tailor your insurance to meet your individual needs
• receive your insurance documents online in seconds
• speak to a customer service advisor in our UK contact centre if you have any questions about your quote
• link to your insurance policy from your website

Business insurance is an important insurance cover for your business, no matter what type of business you run you will need to have insurance for the businesses buildings.

Simply Business offers you the ability to compare quotes for your business buildings insurance and buy online at a price that suits you.

Why choose Simply Business for your Small Business Insurance?

• compare quotes from leading insurance providers in the UK
• buy your insurance online quickly and easily
• tailor your insurance to meet your individual needs
• receive your insurance documents online within seconds of buying
• speak to a customer service advisor in our UK contact centre if you have any questions about your quote

Business buildings insurance can cover your office building, workshop, shop, restaurant, other retail premises or wherever your place of work is. You will be insured for standard cover from damage due to an event such as storm, flood or fire. You can also increase your insurance coverage to include other accidental damage to the property.

Business buildings are often used for a variety of purposes and a variety of cover can be included with your insurance policy.

Buildings – You can insure your business buildings from damage to the actual building from events such as a fire or flood.

Fixtures and Fittings – You can cover equipment within your office from damage.

Stock Cover – Business Buildings insurance can provide cover for stock you keep on your business premises. You can also insure any money you keep in your building.

Why you need Business Buildings Insurance

If you run a business with it’s own premises Business Buildings Insurance is important. As with all insurance it is about minimising any risk that could potentially cause your business problems in the future.

If you don’t have insurance and your buildings are severely damaged because of something you did not plan for such as a fire, you will face the costs of paying for the damage.

It is not only the costs of paying for the damage that could be a problem but also the amount of time you will be unable to trade for. If your building is not in the right condition to trade from you will be losing money.

With insurance you will have the backup of your insurance company to help you through problems you might be facing.

Insurance is extremely important for every small business to have. All businesses need to be covered no matter what size because one large claim against you could be disastrous for your business.

Simply Business gives you the ability to compare Small Business Insurance quotes and buy online. We make it as easy as possible to find the insurance that meets your needs at a price that is right for you.

Listed below are some of the core covers small businesses will need:

Public Liability Insurance – This will cover your business for claims if you or anyone from your business accidentally causes injury or damage to another person or their property. If you have business premises that customers visit this would be particularly appropriate.

Employers Liability Insurance – If you have employees this is required by law. It will cover you for claims made by your employees if they are injured or fall ill whilst at work.

Professional Indemnity Insurance – This insurance cover is appropriate if you run a consultancy business. As a consultant you are likely to give advice to other people. If the advice you give is found to have resulted in a financial loss to your client they may make a claim against you. Professional Indemnity Insurance should cover you for such a claim.

Tool and Equipment Insurance – Tools and Equipment are a vital part of running a small business. Adequate insurance cover for these will give you peace of mind that you can have them replaced quickly if anything happens to them.

Buildings and Contents Cover – This will insure the building your business is located in, together with the fixtures and fittings in your premises. You may have a home based business which you can also insure with your Small Business Insurance.

Businesses needs vary according to the trade. For example, a Management Consultant will need a different kind of insurance to a Plumber. The Management Consultant will need Professional Indemnity Insurance whereas a Plumber probably won’t. If the Plumber employs people, he or she will need Employers Liability Insurance but the Management Consultant won’t if they don’t employ people.

Self Employed Small Business Insurance

Ever greater numbers of people in the UK are starting businesses and becoming self employed. As the numbers rise so does the need for insurance. A self employed person who runs a small business and is the only employee will still need to have insurance, it is in fact probably more important for them to have insurance and it will give their customers piece of mind.

Simply Business offers small businesses and self employed business owners the ability to link to their insurance policy from their website so as to advertise to their customers that they are insured and what their basic policy details are.

Each business has differences and each trade is different too. Simply Business gives small businesses the opportunity to tailor their insurance to meet their individual needs. Once you have specified the insurance you want you are then given a choice of quotes from leading insurance providers.

Why choose Simply Business for your Small Business Insurance?

• compare quotes from leading insurance providers in the UK
• buy your small business insurance online
• tailor your insurance to meet your individual needs
• receive your insurance documents online in seconds
• speak to a customer service advisor in our UK contact centre if you have any questions
• link to your insurance policy from your website

If you are looking for van insurance Simply Business offer you the cover that you need for your van. We give you a comparison of quotes from leading insurance companies in the UK so you can find the best van insurance quote for you at the right price. You can then buy online easily.

Why use Simply Business for your van insurance?

• compare van insurance quotes from leading insurance providers in the UK
• buy your insurance online quickly and easily
• tailor your van insurance to meet your individual needs
• receive your insurance documents online in seconds of buying
• speak to a customer service advisor in our UK contact centre if you have any questions about your quote

Simply Business offers you different types of van insurance that meet your own needs, they are:

Third Party Van Insurance – This covers damage to a third party and is required by law. For example, it would cover the damage to another vehicle that you might accidentally drive into.

Third Party Fire and Theft – This type of cover extends the basic Third Party Insurance to cover your van if it is stolen or damaged by fire. However, if you have an accident and are at fault, Third Party Fire and Theft Insurance won’t cover you.

Comprehensive Van Insurance – With this insurance you will be covered for damage to your vehicle. You will also be covered for damage to other people’s vehicles as in Third Party Insurance.

Additional Cover – You can add to your van insurance additional extras according to the activities you do as a business. For example, Goods in Transit cover will protect any stock you may carry in your vehicle. Legal Expense cover is something else you can add to recover legal expenses after accidents that weren’t your fault.

Why you need Van Insurance

If you use a van for any aspect of your business you will need to have insurance. By law you are required to have Third Party Insurance at least.

Many businesses choose comprehensive van insurance for the reason that they will be covered for damage to their vehicle, including theft and fire. Comprehensive van insurance takes a lot of the financial risk away from driving your van as you generally won’t have to pay for the costs of repairs to your vehicle.

Commercial van insurance is also important if you plan to carry stock, whether it is your own stock or your customers stock. With Simply Business you can add Goods in Transit cover to insure any stock that you carry.

Self Employed Insurance is an important factor to think about if you work for yourself. Being self employed as opposed to being employed means you are responsible for insuring your own business activities.

Simply Business offers you a comparison of self employed insurance quotes and the ability to buy your insurance online. Your insurance quote for self employed people from Simply Business will be from the leading insurers in the UK.

The following types of insurance from Simply Business are particularly suitable for self employed people:

Professional Indemnity Insurance – This is particularly important if you work for yourself and give advice to other people. Self Employed Professional Indemnity Insurance covers you if you give advice to other people that causes them to suffer a financial loss as a result of the advice that you have given.

Public Liability Insurance – This will cover you if in the course of your business activities you accidentally injure or damage another person or their property. This is where insurance for self employed people becomes important because if someone makes a claim against you, you will be covered.

Business Equipment – You can cover the equipment you use for your business with your insurance. If you are a self employed tradesperson you may want to cover the tools that are essential for you to run your business. If you work in a home office you can cover the equipment that is vital to you doing business such as your Laptop.

Buildings Insurance – You can insure your home office if you work from home. Simply Business can provide you with comprehensive cover for the building that you work in.

Why use Simply Business for your self employed insurance cover?

• compare self employed insurance quotes from leading UK insurers
• buy your insurance online
• tailor your insurance to meet your needs
• receive your insurance documents online in seconds
• speak to a customer service advisor at our UK contact centre if you have any questions about your quote
• link to your insurance policy from your website

As a self employed person you could be involved in a number of different situations that you may need insurance for. For example if you are a self employed builder and you accidentally damage someone’s house you may be liable to pay costs if that person makes a claim.

Another example would be if you are an IT Consultant and you give a client the wrong piece of advice, leading them to suffer some kind of financial loss. Professional Indemnity Insurance that would form part of your self employed insurance would cover the cost of the claim.

If you are a contractor you need to have insurance for the activities you carry out in your job. Whether you are consulting, or working manually on a job you will need insurance.

Simply Business can provide you with insurance that is right for your business and cover you for everything you need to be insured for.

Why choose Simply Business for your Contractor Insurance?

Simply Business allows you to choose the best quote for your Contractors Insurance. With us you can:

• compare quotes for your Contractor Insurance from leading UK insurance providers
• tailor your insurance to meet your individual business needs
• buy your insurance online in a few quick steps
• receive your insurance documents electronically within seconds of buying your policy
• speak to a customer service advisor in our UK call centre who will be able to help you with any questions you might have

What does Contractor Insurance cover you for?

Contractor Insurance from Simply Business can cover you for a number of areas such as:

Professional Indemnity Insurance – If you do any kind of consulting and offer advice to clients you will probably need to have Professional Indemnity Insurance. This will protect you if any advice you have given leaves a client suffering from a financial loss. They may claim against you but normally Professional Indemnity Insurance will cover the cost of their claim.

Public Liability Insurance – This will cover you if in the course of your business activities you injure or damage someone else or their property. If the injured party claims against you, Public Liability Insurance would normally cover the cost of the claim.

Employers Liability Insurance – This insurance will cover you if you have employees. If your employees are injured at work and make a claim against you, Employers Liability Insurance will cover you for the cost of that claim.

Additional Insurance for Contractors – As a contractor there are various other types of insurance you can purchase. You may need Tool Cover, Stock Cover, Plant Cover or other additional cover that we provide. You can choose the insurance cover that suits your businesses needs.

Tailor your insurance to meet your individual needs

With Simply Business you can put together your insurance to meet your individual needs. Choose the level of cover you think you will need and the types of cover you want to be included and compare quotes based on your requirements.

You can speak to a customer service advisor if you need any help choosing the insurance that you think will be right for you.

Recruitment Consultants need insurance for their businesses for a number of reasons. Consultants often give advice to companies and individuals regarding employment and therefore need to be covered for any financial loss a client may suffer.

Why choose Simply Business for your Recruitment Consultant Insurance?

Simply Business offers you the ability to choose an insurance quote that is right for your recruitment business. With us you can:

• compare quotes for your recruitment consultant insurance from leading UK providers
• tailor your insurance to meet your individual businesses needs
• buy your insurance online in a few quick steps
• receive your insurance documents electronically within seconds of buying your insurance
• speak to a customer service advisor if you need any help with your quote and the type of insurance you think you will need

What does Insurance for Recruitment Consultants cover?

Professional Indemnity Insurance – If you as a Recruitment Consultant give advice to a client that results in them incurring a financial loss they may be able to claim against you for their loss. Professional Indemnity Insurance is designed to insure you for claims made against you.

Public Liability Insurance – If in the course of your business activities you cause accidental injury or damage to another person or their property your business could have a claim made against it. Public Liability Insurance protects you for any claims made against you.

Employers Liability Insurance – If you employ anyone in your recruitment consultancy you need by law to have Employers Liability Insurance. This will cover you for a claim made against you by an employee if they are injured or fall ill whilst at work and suffer a financial loss because of this.

Tailor your Recruitment Consultant Insurance to meet your needs

Buying your insurance for Recruitment Consultants through Simply Business means you can tailor your insurance so it meets your individual needs as a business. You can choose the level of cover you require and you can buy any additional extras for your insurance if you need them.

A customer service advisor can guide you through the process of buying your insurance if you need any help or advice.

A Beauty Consultant will need insurance to do their job because they will be giving advice to people about their makeup and appearance. They may also provide makeup artistry for clients.

Simply Business provides insurance for Beauty Consultants and those who work in the beauty industry.

Why use Simply Business for your Beauty Consultant Insurance?

Simply Business can provide you with all the insurance cover you need if you are a Beauty Consultant. With us you can:

• compare quotes for Beauty Consultant Insurance from top UK providers
• tailor your insurance so you get the level and type of cover that you want
• buy your insurance online in a few quick steps
• receive your insurance documents electronically within seconds of your purchase
• speak to one of our customer advisors in our UK contact centre if you need any help with your quote

What does Beauty Consultant Insurance from Simply Business Cover?

Professional Indemnity Insurance – This will cover you if any advice you give to clients leads to any financial loss for them

Public Liability Insurance – This insurance covers you for any damage or injury you may cause to another person or property

Employers Liability Insurance – If you employ anyone as part of your beauty consultancy you will need to have Employers Liability Insurance by law. This will cover you if an employee is injured or falls ill whilst at work and makes a claim against you

Additional Cover – You can add on different cover according to your needs, for example if you use a lot of expensive equipment you might need these to be covered from theft or damage with our Tool and Equipment Cover.

Tailor your Insurance to meet your Individual needs as a Beauty Consultant

With Simply Business you can tailor your insurance so you get the cover that is right for your business. Choose the level of cover you want to have and the additional extras that are specific to your business.

If you need any help with your quote you can speak to one of our customer service advisors who will be able to help you choose the right insurance for you.

If you are a Marketing Consultant you will need insurance for your business. Simply Business gives you the opportunity to compare quotes to find the insurance cover that fits your business.

The types of Insurance you need as a Marketing Consultant

Professional Indemnity Insurance – As a Marketing Consultant you will be giving advice and getting paid for your advice. If that advice causes one of your customers to suffer a financial loss you may have a claim made against you. Professional Indemnity Insurance covers you for claims that are made against you.

Public Liability Insurance – If you run your own business you will need to have Public Liability Insurance cover to protect you if you or your business cause injury or damage to another person or their property.

Why choose Simply Business for your Insurance?

Simply Business offers you the ability to choose between different quotes for insurance for marketing consultants. With us you can:

• compare quotes from top insurance providers in the UK
• tailor your insurance to meet your businesses individual needs and the level of cover you require
• choose the price for your insurance that is right for you
• receive your insurance documents electronically within seconds of buying your policy
• speak to one of our customer service advisors if you have any questions and need any help deciding the type of cover you require

Make sure your insurance meets your individual needs

With Simply Business you can tailor your insurance so it meets your particular needs as a Marketing Consultant. You can purchase the level of cover that is right for your business and make sure that you include all the optional extras that are essential for you as a Marketing Consultant.

If you are unsure about the type of cover you think you might need you can speak to our customer service advisors who will be able to help you through the process of getting the insurance that is right for your business.

If you are a Business or Management Consultant you will need to have insurance for your business if you are giving advice or just providing a service to your customers. If you are a self-employed consultant or a larger business you need to cover your business for any financial claims made against you by your clients.

What does Insurance for Business and Management Consultants Cover?

Professional Indemnity Insurance – When you purchase Management Consultant Insurance you will need to have Professional Indemnity Insurance if you give advice to your clients. If a client suffers a financial loss from any advice you have given them your business could have a claim made against it. Professional Indemnity Insurance protects you for the financial loss you could suffer as the result of a claim.

Public Liability Insurance – If you run a business no matter if you are just one person or a larger business and you work with members of the Public it is always advisable to have Public Liability Insurance. This will protect you if you or anyone in your business accidentally causes injury to another person or damages their property. You will then be covered for any financial claims made against you.

Employers Liability Insurance – If you have any employees you need to be covered by Employers Liability Insurance by law. This insurance will protect you for any claims your employees could make against your business if they were to be injured whilst at work or fall ill.

Why Choose Simply Business for your Insurance?

• compare quotes from leading UK insurance providers
tailor your Business and Management Consultant Insurance to meet your businesses individual needs buy your insurance online in a few quick steps receive your insurance documents electronically within seconds of buying your policy speak to a customer service advisor in our UK call centre if you have any questions about the type of insurance you think you need

Tailor your insurance to meet your needs as a Business and Management Consultant

Many businesses are different, you could be a one person self-employed Business Consultant looking for insurance or a larger company with different needs. With Simply Business you can tailor your insurance so you buy the level of cover you need and the right types of cover.

If you are unsure about what you need or don’t know if you have the right quote you can speak to one of our customer service advisors who will be able to help you get the insurance cover that is right for your business.

If you are looking for restaurant insurance Simply Business offers you the chance to find the right insurance cover for your restaurant business at a price that suits you.

Simply Business lets you compare quotes for your restaurant insurance and buy your policy online, with us you can:

• get a quote for your restaurant insurance in minutes in a few easy steps
• compare quotes from leading insurance providers and easily choose the insurance cover that is right for your restaurant
• buy your restaurant insurance online quickly and easily
• receive your insurance policy documents electronically within seconds
• make sure you get the insurance cover that meets the needs of your business, if you have any doubts you can speak to our customer advisors in our UK contact centre who will answer any questions you may have
• link to your restaurant insurance policy from your own website so you can let your site visitors know you have insurance

You might need restaurant insurance if…

There is a fire in your restaurant which causes a lot of damage and stops you from trading for some time. This could be particularly serious for your business and many small businesses have had to cease trading after a fire or similar event because they did not have proper cover for this kind of situation.

Simply Business can offer you restaurant insurance cover that will protect you if anything such as a fire stops you from trading.

Your restaurant suffers a burglary and stock is stolen. Depending upon how much stock you have stolen this could have a serious impact on your trading. In this scenario you would be covered by your Simply Business restaurant insurance policy because it has contents insurance included in it.

An employee could be injured whilst at work in your restaurant. They may seek to make a claim against you for their loss of income if they can’t work.

With your restaurant insurance from Simply Business you can take out Employers Liability Insurance cover that will cover you for a claim made against you by one of your employees if they have been injured or taken ill whilst at work.

Types of Restaurant Insurance Cover

Public Liability Insurance – An important piece of cover for any business, Public Liability Insurance protects you for any claims that may be made against you for damage you or your business might cause to someone else or their property. Taking out insurance for Public Liability could save you a large amount of money if someone were to make a claim against you.

Contents Insurance – You probably keep stock and equipment in your restaurant which will have value for your business. Business contents insurance will cover you if any of this stock is stolen or damaged.

Employers Liability Insurance – This will cover your business if an employee of yours is injured or falls ill whilst working at your restaurant. If a claim is made against you, your insurance will be able to cover the cost of the claim up to the limit that you are covered for.

Business Interruption Insurance – If you have to stop trading for any reason such as a fire, flood or burglary our Business Interruption Insurance will cover you for the loss of income that you might suffer whilst you get your restaurant up and running again.

Buildings Insurance – You may need to take out buildings insurance if your restaurant is a particularly old building or has certain features that need protection. There can be a number of other reasons why you might need building insurance. If you are unsure you can speak to one of our customer service advisors who will be able to help you further.

Restaurant insurance cover that meets your individual needs

You can be sure that by buying your insurance policy with Simply Business you will be taking out insurance that is tailored to your restaurants individual needs. You can take out the level of cover that you require as well as add on any additional cover that you might need.

If you compare quotes online at Simply Business and are unsure about the type of restaurant insurance cover that you want to take out you can speak to one if our customer service advisors who will be able to guide you through the process of buying the right insurance for your restaurant.

Simply Business offers you pub insurance that is tailored to what you actually need. You can choose the level of cover that you need for your pub and any extra cover that you might wish to have.

You can compare pub insurance quotes with Simply Business and then buy your insurance online, with us you can:

• get an online tailored quote for your pub in minutes in a few quick steps
• compare quotes from different leading insurance providers and then choose the price and cover that is best for you
• buy your policy online quickly and easily
• receive your insurance documents electronically in seconds
• make sure you get the right cover, you can speak to our UK contact centre after you have been quoted to ask any questions about your pub insurance
• link to your pub insurance policy from your own website, letting your website visitors know you have insurance cover

Your Pub Insurance would cover you if…

Your pub is burgled and contents of value are stolen from the premises. You may have stock stolen and this might cause disruption to your regular trading which is probably vital to your business together the fact that your stock is valuable.

Simply Business allows you to compare quotes and buy an insurance policy online that covers for a situation like this.

Your pub is damaged by anything such a fire or malicious damage. With insurance from Simply Business you can tailor your insurance to meet any specific needs your pub might have.

Types of Pub Insurance Cover

Contents Insurance – This will cover the stock and contents of your pub in the event of any theft or damage to your stock.

Public Liability Insurance – This is an important requirement for any business, including a pub. If you or your business damage someone else or their property you will be covered for any claim made against you. Claims can have a very high cost so this is recommended.

Employers Liability Insurance – This insurance cover is a legal requirement if you have employees. If a member of your staff is taken ill or has an accident whilst at work you will be covered if they make a claim against you.

Buildings Insurance – This insurance cover provides insurance for the actual pub building. Each building may have different needs in terms of insurance, some pubs may be very old listed buildings with individual features that need to be insured. Simply Business offers you tailored insurance quotes to make sure you receive the right cover for your pub.

Pub insurance cover that meets your individual needs

When you compare quotes for your pub insurance with Simply Business you can find the best price but just as importantly you can get the insurance cover that meets the needs of your Public House and the type of insurance that you think you might need.

If you are not sure what type of insurance you think you might need our customer service advisors can help you through the process of choosing and buying your insurance cover so that you buy exactly what you want and don’t buy anything that you don’t need.

If you wish to add on certain features then you can easily do this and you will have a complete Public House insurance package giving you peace of mind to get on with running your pub.

If your business deals with clients or members of the public, or if you come into contact with the public in the course of your business activities, Public Liability Insurance should be the top priority insurance cover on your list.

Public Liability Insurance claims are often extremely high, sometimes running into the hundreds of thousands. This means that a business which isn’t covered could be in serious financial trouble if it found itself liable to pay damages or compensation from its own pocket.

The number of firms now offering ‘no win no fee’ claims services means that no business can afford to be without comprehensive business insurance.

What is Public Liability Insurance?

Public Liability Insurance can cover your business for damages and compensation payouts along with any related legal fees in the event that your business has caused injury or death to a member of the public or damage to their property.

While it is not a legal requirement to have Public Liability cover, most businesses are expected to have a minimum cover of £2m. Companies operating without it may find it more difficult to do business.

Why buy Public Liability Insurance with Simply Business?

• Compare live insurance quotes from leading insurance companies
• Buy direct with us – either online or by phone
• Tailor your policy to your exact business needs
• Speak to knowledgeable staff at our UK contact centre
• No messy paperwork – your documents are held online until you need them
• Link to your policy from your website – show your customers you’re covered

Public Liability Insurance claim examples

A contractor drives his cherry picking vehicle into a fellow contractor
After driving his cherry picking vehicle from one site to another, the man who was guiding him through the dark street inadvertently found himself trapped when the vehicle was being parked and it ran over his leg, breaking it in two places.

As a contractor, the driver was required to have his own public liability insurance, and as such the injured party was able to claim damages covering: PSLA (pain, suffering and loss of amenity) of £15,000; Loss of earnings to £8,000; Care to trial of £1,500; Medical expenses of £7,000; Claimant costs of £8,500 and his own costs of £7,000.

A joiner punctures a water pipe and causes extensive damage to a development
A joiner was contracted to install all the joinery in 26 of the flats in a housing development. When the cold water system was tested the piping was found to have been punctured, which caused extensive water damage to some of the flats.

Although not completely aware that he had caused the damage himself, he found himself liable for the damage and had to claim on his insurance for covering the cost of the repair work and his own related costs, amounting to £35,000.

Repairs to shopping centre sprinkler system result in claims from several parties
Two employees from a company contracted to refurbish the sprinkler system at a large shopping centre neglected to cap off the end of part of some pipework, which resulted in a flood once the water was switched back on. Water damage was caused in the centre premises to the stock of several shops.

The sprinkler maintenance company had insurance to a limit of £5m, which more than covered them for the resulting claims of around £25,000.

If your business manufactures or supplies goods to customers you could be liable for any defects that occur in that product that might cause damage or injury to another person or their property.

Simply Business offers you Product Liability Insurance for your business. You can compare quotes and buy your insurance online.

What is Product Liability Insurance?

If you manufacture goods and supply them to a third party and these goods are found to be faulty or defective in any way and subsequently cause damage or injury to another person or their property you could be liable to pay the costs of a claim made against you.

In some cases even if you don’t manufacture the goods and just supply them to third parties and they are found to be faulty you could still be liable if you are associated closely enough with the products. For example, if your name is one the goods you supply or the manufacturer has gone out of business you could still be liable.

Why choose Simply Business for your Product Liability Insurance?

Simply Business allows you to compare quotes and find the best price and type of Product Liability Insurance for your business. With us you can:

• compare quotes from leading UK insurers for Product Liability Insurance online
• find the best price for your insurance
• buy your insurance quickly and easily in a few simple steps
• receive your insurance documents within seconds after you have bought online
• speak to a customer advisor at our UK contact centre if you have any questions or problems when deciding to buy your insurance policy

What does Product Liability Insurance Cover?

Product Liability Insurance covers you for claims made against your business for injury caused to a person or property as a result of defective products being supplied that you were responsible for.

Simply Business can cover your business and tailor your policy to the level of cover you need. Compare quotes online and speak to a customer advisor if you have any questions or problems regarding the cover you think you need

Every business that employs staff is legally obliged to have employers’ liability insurance to a minimum cover level of £5 million.

Even if you are a small business, insurance covering your employees for injury and illness at work is compulsory, whether you employ 1 member of staff or 50 and whether they are casual workers or full-time.

What is Employer’s Liability Insurance?

Employers’ Liability insurance covers you and your business for any claims against you arising from employees who have been injured at work or experienced illness as a result of working for you, and where the fault lies with you. It also covers you for expenses in legal cases against your business taken by employees.

Holding this type of liability cover means that your business is able to pay any compensation claims by staff without compromising its financial stability. However, if your business does go into liquidation or receivership, holding the cover means that your employee can still claim and be paid damages.

Why buy Employer’s Liability with Simply Business?

What does Employers’ Liability cover?

• If one of your employees became seriously ill, was injured or even killed while working for you, your business could be liable. Employers’ Liability would cover the cost of any claims made and awarded to the employee.
• The insurance also covers the legal cost of the claim, including your own legal fees, and can cover the fees of the claimant.
• If you are involved in a case relating to the welfare of an employee, for example where you may have breached health and safety regulations, employers’ liability insurance would cover your costs and expenses in the defence of the prosecution.

Penalties for failing to get Employers’ Liability insurance

If you do not take employers’ liability insurance to take effect when your employee starts work, you could face a fine of up to £2,500 for each day you do not have it.

Fortunately, Simply Business offers a fast, easy insurance service where you can compare a range of prices from leading insurers and buy a policy instantly, meaning that you can get cover as soon as you need it. All the documents and certificates are available in seconds online for printing, and remain in your online account to be accessed when needed.