Business contents insurance

Building your business contents cover

Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

Sorting your finances

We lead in small business insurance, and our partners over at Aldermore Bank are the experts in business financing. Together, we’re able to offer clever solutions for factoring, invoice discounting and other boosts to your business development. Take a look at our finance section for all things cashflow.   

Why get business contents cover?

If you employ people, you’re legally obliged to take out employers’ liability insurance. Most businesses aren’t required to take out any other cover, meaning it’s up to you to decide what’s sensible for your line of work. However, business insurance is one of the most effective ways to maintain a stable, safe workplace and income stream. Here are a few reasons why:

• Cover like public liability is used and relied on by thousands of businesses in the UK. It’ll protect you from expensive claims for the smallest slip-ups
• Business insurance can be essential for securing contracts with clients – so check what’s needed and we’ll help you arrange cover
• Lots of trade bodies will demand that their members are insured for certain things, such as professional indemnity. Whatever they require, we’ll help you get started
• Additional covers like protection for stock, business interruption, equipment, tools and buildings can also be essential, should you hit a crisis that threatens your trade. So try and weigh up the potential risks, and decide what’s important to your business