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- Simply Business is a one-stop shop for business insurance where you can research, compare, buy, and claim all in one place.
- We cover over 1,000 trades – more than anyone else in the industry – and provide competitive, tailored policies allowing you to select the covers that are right for your business.
- With over 170,000 customers, we are the largest provider of commercial insurance in the UK.
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All your business insurance products in one simple policy
Public liability (up to £10m)
Public liability insurance is important for your business because it will pay out in the event that a mistake is made which causes an injury to a member of the public or customer, or which damages their property.
Incidents where customers slip or trip over are among the most common accidents which can result in public liability insurance claims. For example, if a spill on a shop floor isn’t marked sufficiently with a warning sign, and a customer slips and becomes injured as a result, they may claim for compensation. Public liability insurance covers this cost for a business.
Employers' liability (£10m)
If you have employees, there is a chance that they may become injured at work or become ill as a result of working for you. If this happens, they might be entitled to claim compensation. Employers' liability insurance covers this cost.
An example of a situation where you would need to claim on your employers’ liability cover would be if an employee is injured while working on machinery without the proper safety precautions.
It also covers claims for employee illnesses that have been contracted as a result of working for you, even if they manifest after the person has left your employment. For this reason, you must keep on file all documentation related to your employers’ liability insurance, even if it has expired.
You should consider taking out professional indemnity insurance if your business gives advice or offers a professional service to other businesses. It covers you if you are negligent or make a mistake which causes a client’s business to suffer financial loss.
For example, if an architect makes a mistake in the plans for a construction project and it is only discovered once the building work is underway and materials are purchased, the client would be likely to lose money through time for re-building and the cost of wasted materials. The architect would be liable for this cost.
Types of business that often take out professional indemnity include accountants, IT consultants, business consultants, journalists, architects, financial advisors, engineers and many more.
Other insurance products:
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 – 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.
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.