Small Business Insurance Guide
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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
