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Our business insurance is specially designed for small businesses and all their unique needs. We’re here to help you make sense of the different types of cover and find the right policy for you, leaving you free to focus on making a success of your business.
Business insurance protects businesses against losses that happen as a result of normal business activities – particularly when a compensation claim is made. There are different types of cover for different types of risk, from legal liability, to property damage, to employee-related issues.
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The cover you need depends on your individual setup. Simply Business offers public liability, professional indemnity, employers’ liability, and a range of other types of business insurance.
Here’s an example public liability insurance claim: a plumber installed a plastic push fitting which failed and caused a leak. It also affected neighbouring houses. The claim was settled for £160,000, of which the plumber only paid £500.
Read our FAQ: Is business insurance a legal requirement?
You can build your policy from a range of different covers to suit your individual needs.
Most businesses are only legally required to take out employers’ liability insurance – if they have employees, contractors, casual workers or temporary staff working for them.
So it’s up to you to decide what cover works best for your line of work.
Employers’ liability insurance covers claims from employees who’ve been injured or become seriously ill as a result of working for you.
Public liability insurance protects you if someone is injured or their property is damaged because of your business.
Professional indemnity insurance covers you in the event that your business gives faulty advice that causes financial loss to a client.
Business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why: