{"id":46363,"date":"2026-02-09T15:54:41","date_gmt":"2026-02-09T15:54:41","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/?post_type=knowledge&#038;p=46363"},"modified":"2026-03-10T11:31:05","modified_gmt":"2026-03-10T11:31:05","slug":"how-to-find-the-best-business-insurance","status":"publish","type":"knowledge","link":"https:\/\/www.simplybusiness.co.uk\/knowledge\/sme-insurance\/how-to-find-the-best-business-insurance\/","title":{"rendered":"Ask the experts: how to find the best business insurance for you"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Insurance is essential for protecting your business but there\u2019s no doubt it can be baffling territory \u2013 particularly for complex businesses or the newly self-employed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lots of jargon, risk analysis, and different covers can leave many small business owners feeling confused. Not only that, it\u2019s an expense for something you hope you\u2019ll never need \u2013 but yet gives vital protection from everyday risks.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains what to look for to help you find the right insurance and the right provider. And we interviewed some of our own in-house insurance experts to learn more about the process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-map-the-risks-for-your-business\">Map the risks for your business<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You know your business better than anyone else, which means you understand what can go wrong and how that could impact your bottom line \u2013 and reputation.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taking the time to audit the risks associated with your business activities is an essential part of choosing the right insurance cover you\u2019ll need.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, are you working at height or using chemicals? Do you represent clients or handle data? Could someone get injured as a result of your work?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A risk map can help you.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h3 class=\"wp-block-heading\" id=\"h-risk-examples-nbsp\"><strong>Risk examples&nbsp;<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidents can happen anywhere, so <strong>public liability<\/strong> covers injury or damage to a third-party as a result of your work&nbsp;<\/li>\n\n\n\n<li class=\"wp-block-list-item\">giving advice or professional recommendations to clients can go wrong or even cause a client to lose money \u2013 <strong>professional indemnity<\/strong> protects you from the risk if you\u2019ve been negligent<\/li>\n\n\n\n<li class=\"wp-block-list-item\">hiring staff or an assistant \u2013 in most cases <a href=\"https:\/\/www.gov.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">you\u2019ll need <strong>employers\u2019 liability<\/strong> by law<\/a> to cover any accidents that could happen while they\u2019re at work&nbsp;<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-best-insurance-for-your-small-business\">How to choose the best insurance for your small business<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Covers<\/strong><\/td><td>Think about all the potential risks you could face and choose the covers that your business needs. Some companies like Simply Business let you build a tailored quote so you only pay for what you need.&nbsp;<\/td><\/tr><tr><td><strong>Reputation&nbsp;<\/strong><\/td><td>Check online review sites like Feefo to find out more about how customers feel about different providers and insurers.&nbsp;<\/td><\/tr><tr><td><strong>Compare<\/strong><\/td><td>Compare quotes with different insurers to find a price and cover level that works for you.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div id=\"nba-body-001\">\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Choosing your cover \u2013 expert tips&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance Product Manager at Simply Business, Greg Caswell-Smith, shares his expert knowledge on policy limits, disclosure accuracy, and the value of specialised cover.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage and policy limits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All covers show limits to how much will be paid out in the event of a successful claim. Choosing a lower limit means you\u2019ll only be covered up to that amount. But this can reduce your premium. A higher limit costs more but offers greater coverage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Greg says: \u201cWhen choosing cover limits, don&#8217;t just focus on the premium. Think about the largest potential loss you could face. Factor in your biggest contract values, the total value of your assets, and the potential for multi-million pound personal injury claims.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cover limit you choose is up to you, but it\u2019s a good idea to think about the cost of a worst-case scenario and how to protect your business if anything goes wrong.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-69910985 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--90)\">\n<p class=\"wp-block-paragraph\">\u201cWhen choosing cover limits, don\u2019t just focus on the premium. Think about the largest potential loss you could face.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8211; Greg Caswell-Smith, Insurance Product Manager<\/strong><\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Accurate disclosure<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Disclosure in insurance is the bit where you tell your insurer about you, your business, and your business activities. This is what\u2019s used to determine the premium and risk level of your business.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need to give accurate information on things like claims history, what your business does, location, employees, and some financial information. This can all impact your premium.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting this right is essential to avoiding underinsurance \u2013 a key reason why some claims can get rejected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Greg says: \u201cInaccurate disclosure risks invalidating your policy.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cUnder the <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2015\/4\/contents\" target=\"_blank\" rel=\"noreferrer noopener\" rel=\"noopener noreferrer\" target=\"_blank\">Insurance Act 2015<\/a>, businesses have a duty to make a &#8216;fair presentation of risk&#8217;. If you don&#8217;t tell the full and accurate story then you might not get the cover you need or risk a claim not being paid. You wouldn\u2019t insure your Ferrari as a Fiesta, so don\u2019t take that chance with your business.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Specialised cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some insurers offer specialised cover to make sure the types of events covered by your business insurance are applicable and relevant to what you do every day.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Greg explains: \u201cSpecialised cover ensures that the specific nuances of your trade, like professional advice for consultants or hot works for plumbers, are explicitly protected. If you\u2019re not sure, contact a broker, tell them about what you do, and the covers you need.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can become more important for complex and niche businesses. For example, if your business involves operating heavy machinery or you handle large amounts of data, then you might need to discuss your policy in more depth before choosing your cover.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-69910985 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--90)\">\n<p class=\"wp-block-paragraph\">&#8220;You wouldn\u2019t insure your Ferrari as a Fiesta, so don\u2019t take that chance with your business.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8211; Greg Caswell-Smith, Insurance Product Manager<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h2 class=\"wp-block-heading\" id=\"h-insuring-your-small-business\">Insuring your small business<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you\u2019ve considered all the risks and compared quotes, it\u2019s time to find the best business insurance for you.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-\">Business insurance can be complex, so talking through with an expert can help. Simply Business has a UK-based team available over the phone who can help you understand your options. You can buy business insurance and compare quotes from leading insurers with Simply Business \u2013 we protect over 1,500 trades too.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Why choose Simply Business for your business insurance?&nbsp;<\/strong><\/td><\/tr><tr><td>Compare and buy in minutes \u2013 documents arrive the same day<\/td><\/tr><tr><td>Help from UK-based experts online or over the phone&nbsp;<\/td><\/tr><tr><td>9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo<\/td><\/tr><tr><td>Our UK-based claims helpline is available 24\/7<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-\"><strong><em>Promotion<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"543\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/12\/small-business-predictions-2026.jpg?w=815\" alt=\"Owner of The Brooklyn Brownie Co in Northampton\" class=\"wp-image-44928\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/12\/small-business-predictions-2026.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/12\/small-business-predictions-2026.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/12\/small-business-predictions-2026.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/12\/small-business-predictions-2026.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><figcaption class=\"wp-element-caption\">Photo: Simply Business<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-30c80bf8 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--90);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--90)\">\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways-from-the-experts\">Key takeaways from the experts<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">compare business insurance providers and quotes to find your price<\/li>\n\n\n\n<li class=\"wp-block-list-item\">look at the risks your business might face first&nbsp;<\/li>\n\n\n\n<li class=\"wp-block-list-item\">make sure information you share with your insurer is accurate&nbsp;<\/li>\n\n\n\n<li class=\"wp-block-list-item\">choose policy limits that you need and consider the cost of a worst-case scenario&nbsp;&nbsp;<\/li>\n\n\n\n<li class=\"wp-block-list-item\">consider all cover options, including those more specific and tailored to your industry<\/li>\n<\/ul>\n<\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<figure class=\"wp-block-pullquote\"><blockquote><p><em>\u201cChoosing insurance based solely on price might not be the best policy for your needs. A quality provider offers the breadth of cover to protect your core liabilities while providing valuable additional covers, like cyber or legal protection.<\/em><br><br><em>\u201cUltimately, the right insurance isn\u2019t just a policy, it\u2019s peace of mind for your business that could help you be able to operate after the worst happens.\u201d<\/em><br><\/p><cite>Greg Caswell-Smith, Insurance Product Manager at Simply Business<\/cite><\/blockquote><\/figure>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-related-business-insurance-and-claims-guides\">Related business insurance and claims guides<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/sme-insurance\/what-is-an-insurance-broker\/\" type=\"knowledge\" id=\"41053\" data-type=\"knowledge\" data-id=\"41053\">What is an insurance broker?&nbsp;<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/sme-insurance\/why-insurance-claims-get-delayed\/\" type=\"knowledge\" id=\"44735\" data-type=\"knowledge\" data-id=\"44735\">Why insurance claims get delayed (and how to avoid it)<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/sme-insurance\/what-is-ghost-broking-how-to-avoid-insurance-scams\/\" type=\"knowledge\" id=\"22359\" data-type=\"knowledge\" data-id=\"22359\">What is ghost broking? How to avoid insurance scams&nbsp;<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"nba-body-end\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Find out what you need to consider before buying business insurance. <\/p>\n","protected":false},"author":42,"featured_media":30414,"comment_status":"open","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_reviewed_by":"greg-caswell-smith","sb_review_date":"2026-02-09T10:24:10","sb_enable_content_gating":false,"footnotes":""},"categories":[337,339],"hidden-category":[],"coauthors":[25],"class_list":["post-46363","knowledge","type-knowledge","status-publish","has-post-thumbnail","hentry","category-sme-insurance","category-starting-out"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ask the experts: how to find the best business insurance<\/title>\n<meta name=\"description\" content=\"Insurance can be essential for protecting your business. 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