{"id":5152,"date":"2024-05-13T12:28:28","date_gmt":"2024-05-13T12:28:28","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/?page_id=5152"},"modified":"2026-05-11T13:09:06","modified_gmt":"2026-05-11T13:09:06","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/","title":{"rendered":"Business Insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-insurance has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-3bed416a wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-group alignwide hero-insurance__grid is-nowrap is-layout-flex wp-container-core-group-is-layout-b6b71352 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group hero-insurance__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h1 class=\"wp-block-heading has-text-align-left has-x-large-font-size\" id=\"h-seo-h1\">{{SEO H1}}<\/h1>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-9b0e11577f1e54b36017fd665f717887 wp-block-paragraph\" style=\"line-height:1.5\">{{STRAP LINE COPY}}<\/p>\n\n\n\n<div class=\"simply-business-trade-selector simply-business-trade-selector--default wp-block-simply-business-trade-selector\">\n\t\n<div data-site=\"simplybusiness\" class=\"trade-selector trade-selector--default\">\n\t<label class=\"trade-selector__label\" for=\"trade-selector\">\n\t\t<input\n\t\t\tdata-type=\"trade\"\n\t\t\tid=\"trade-selector\"\n\t\t\taria-haspopup=\"true\"\n\t\t\taria-expanded=\"false\"\n\t\t\taria-controls=\"trade-results\"\n\t\t\taria-autocomplete=\"none\"\n\t\t\taria-activedescendent=\"trade-selector\"\n\t\t\tautocapitalize=\"false\"\n\t\t\tautocorrect=\"false\"\n\t\t\tautocomplete=\"off\"\n\t\t\tclass=\"trade-selector__input\"\n\t\t\trole=\"combobox\"\n\t\t\tspellcheck=\"false\"\n\t\t\tplaceholder=\"What is your Trade \/ Profession?\"\n\t\t\ttype=\"text\"\n\t\t\tdata-quote-url=\"\"\n\t\t\/>\n\t<\/label>\n\n\t\n\t<div class=\"trade-selector__panel\" id=\"trade-panel\" role=\"listbox\" aria-label=\"Trade Results\" aria-hidden=\"true\">\n\n\t\t<div id=\"trade-selector-loading\" aria-hidden=\"true\" class=\"trade-selector__loading\">\n\t\t\tLoading&#8230;\t\t<\/div>\n\n\t\t<div id=\"trade-selector-no-results\" aria-hidden=\"true\" class=\"trade-selector__no-results\" role=\"status\" aria-atomic=\"true\">\n\t\t\tSorry, that&#039;s not a trade we know!<br>Please try again.\t\t<\/div>\n\n\t\t<div id=\"trade-results\" aria-hidden=\"true\" class=\"trade-selector__results\">\n\t\t\t<p data-result=\"exact\" role=\"heading\">\n\t\t\t\tExact Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"exact-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<p data-result=\"suggest\" role=\"heading\">\n\t\t\t\tSuggested Matches for Your Search\t\t\t<\/p>\n\t\t\t<ul id=\"suggested-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t\t<ul id=\"generic-matches\" class=\"trade-selector__results-items\" role=\"listbox\"><\/ul>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t\t<div class=\"wp-block-button has-size-medium is-style-primary\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/quote.simplybusiness.co.uk\/business\" class=\"wp-block-button__link wp-element-button trade-selector__submit\">\n\t\t\t\t\tStart your quote\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">UK-based expert support, online and on the phone<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Buy business insurance and get all your documents the same day<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get tailored business insurance quotes in 7 minutes<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{USP BULLET 4}}<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xxs-font-size wp-elements-fb6c017edb10e1b396eb76660400d448 wp-block-paragraph\" style=\"line-height:1.7\">{{HERO DISCLAIMER}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group hero-insurance__img-container has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img decoding=\"async\" fetchpriority=\"high\" loading=\"eager\" width=\"1024\" height=\"538\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"border-radius:10px;width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg 1200w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?resize=800,420 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?resize=768,403 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?resize=1024,538 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?resize=150,79 150w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-0111f410 wp-block-columns-is-layout-flex has-3-columns wp-block-block\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-f98a563b5597620ea8c0a3b82a1fd257 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20)\">Compare quotes from leading brands<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-f0b9e014 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/AIG.png\" alt=\"AIG insurance logo\" class=\"wp-image-26362\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa.webp\" alt=\"Axa insurance logo\" class=\"wp-image-6226\" style=\"width:33px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"73\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Churchill_Logo_Colour.png\" alt=\"Churchill insurance logo\" class=\"wp-image-34276\" style=\"width:73px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"119\" height=\"83\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Asset-2-1.png\" alt=\"Covea insurance logo\" class=\"wp-image-38892\" style=\"width:57px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/hiscox.webp\" alt=\"Hiscox insurance logo\" class=\"wp-image-19204\" style=\"width:65px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"98\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp\" alt=\"Zurich insurance logo\" class=\"wp-image-10327\" style=\"width:49px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp 98w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp?resize=96,66 96w\" sizes=\"auto, (max-width: 98px) 100vw, 98px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Rating_33x50_150_92f8c1.png\" alt=\"Thumbs up emoji\" class=\"wp-image-34299\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-6f58445ff9241e0ffe20be82ffeb3712 wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Rated 4.5\/5<\/strong><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-50340db96b63934a24afd89a65e92cd7 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--10)\"><svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-361daf516b3dd5bf0bd7f5d885ccc85f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">Based on&nbsp;40k&nbsp;reviews<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Claims_33x50_150_8c1442.png\" alt=\"24 hour clock emoji\" class=\"wp-image-34300\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-19421ae9553e0d28e65ad157e6bc0bac wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Claims paid in 24 hours<\/strong><mark class=\"has-inline-color has-yellow-400-color\"><\/mark><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-c1ca888616921a368ecc273fe13fad71 wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-d1190afa2e0a7bfbd4846d98d6c6a62f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">For over 95% of settled claims<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator alignfull has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background is-style-default\"\/>\n\n\n\n<div class=\"sticky-navigation-block alignwide wp-block-simply-business-sticky-navigation\">\n\t<div class=\"site-container sticky-navigation-block__container\">\n\t\t<div class=\"sticky-navigation-block__title\">\n\t\t\t<p>What&#039;s on this page<\/p>\n\t\t<\/div>\n\t\t<ul class=\"sticky-navigation-block__list\" tabindex=\"0\">\n\t\t\t\t\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#why-is-insurance-important\">Why is insurance important?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#what-does-it-cover\">What does it cover?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-much-does-it-cost\">How much does it cost?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-i-choose-insurance\">How do I choose insurance?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-claims-work\">How do claims work?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#faqs\">FAQs<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#helpful-articles\">Helpful articles<\/a>\n<\/li>\n\n\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"why-is-insurance-important\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"whatisemployersliabilityinsurance\">What is business insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether it\u2019s a third party injury or a serious business claim, if you run a small business, there\u2019s a risk that something will go wrong. From public liability insurance to employers\u2019 liability cover, professional indemnity insurance risks and specific trade and equipment insurance, business or commercial insurance can combine comprehensive cover for the specific challenges you face with Simply Business insurance.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\"><strong>compare business insurance quotes <\/strong>from globally-recognised and trusted brands<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>trusted by nearly a million customers small UK businesses<\/strong> for flexible, tailored cover<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>peace of mind,<\/strong> letting you focus on your business, not the what-ifs<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"what-does-it-cover\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"employeeinsurancewhatscovered\">What insurance do I need for my business?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Our small business insurance covers a variety of risks.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Man slipping over\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tPublic liability insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Man with his arm in a sling\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tEmployers\u2019 liability insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Loss-causing-advice.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Question mark and exclamation mark in purple boxes\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Loss-causing-advice.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Loss-causing-advice.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tProfessional indemnity insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"public-liability-insurancetab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">Public liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\">Public liability insurance<\/a> protects you if someone is injured or their property is damaged because of your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you do employ anyone, you\u2019re usually required by law to have employers\u2019 liability insurance too.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">your coffee shop business is held responsible for damage to a neighbouring shop\u2019s front window<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the building business you own receives a third party injury claim, after a member of the public trips and falls over your tool kit, breaking their knee<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need additional cover for accidents caused by your employees that aren\u2019t covered by your public liability insurance policy, but you can easily add employers\u2019 liability insurance to help take care of this.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"employers-liability-insurancetab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">Employers\u2019 liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\">Employers\u2019 liability insurance<\/a> covers claims from employees who\u2019ve been injured or become seriously ill as a result of working for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">your employee catches their hand on an exposed nail in your premises, which becomes infected<\/li>\n\n\n\n<li class=\"wp-block-list-item\">an apprentice training with you slips on a wet floor while cleaning down, injuring their lower back<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Employers\u2019 liability insurance is required by law if you have people working for you. Without it, you could be fined up to \u00a32,500 a day for each employee.<\/strong><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"professional-indemnity-insurancetab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Professional indemnity insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/professional-indemnity-insurance\/\" data-type=\"page\" data-id=\"720\">Professional indemnity insurance<\/a> covers you in the event that your business gives faulty advice that causes financial loss to a client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">you provide investment advice to your client and they hold you responsible for a subsequent financial loss<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you\u2019ve issued certification to a client which contains an error, and your client suffers a financial loss<\/li>\n<\/ul>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-84122ba7d1851f60be7f1088ff30751e has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>This content has been created for general information purposes. Make sure you have the right level of <a href=\"\/business-insurance\/\">business insurance<\/a> by checking your policy documentation for details. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-much-does-it-cost\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howmuchdoesemployeeliabilityinsurancecost\">How much is business insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The cost of your business insurance depends on the nature of your work, the type of insurance you need, and your cover levels. The amount you pay for your insurance is called your premium. Insurers calculate your premium based on a number of things, including the work you do, the size of your contracts, and the cover types and cover levels you choose. As with other types of insurance, business insurers calculate how likely you are to make a claim and how much a claim could cost, meaning that businesses that face higher levels of risk will usually pay higher premiums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Find out how much you\u2019ll pay by comparing business insurance from a range of <a href=\"\/business-insurance\/insurers\/\" data-type=\"page\" data-id=\"643\">trusted insurers<\/a>. You choose what goes into your policy, so you only pay for what you need.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group cta-box has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>{{PRICE MESSAGING}}<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color has-xxs-font-size wp-elements-90c8bcdb05d6f36b866ba0888c76e9e0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-6a7819a8be72bc49312bd8de60cec980 wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\"><em>{{PRICING CTA DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"exampleemployersliabilityinsurancequotesrealprices\"><strong>Business insurance quote example<\/strong>, real prices<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE A}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-f413a5a648ed7a401ba28b567f54ee2a wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE A}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-5a3d935c3efd00eba721bdaff6f76584 wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE A}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-72ede423982469ecbba424a60b702a25 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE A}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-144ca3f5d2f5714b0502dd6031facc94\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE A}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-4cab893a484f41435e7ce1d81f33f1df is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE A}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE B}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-1761615dcec384ecea9a504af30bc541 wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE B}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-e654ae0339daeeff98fb0bbcde1bc6ca wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE B}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-d7de148fa6627d2dd40dec329e48bfb9 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE B}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-159db0980dd7ea8fffc2e0df1de68f70\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE B}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-a88a70f7571ef790d5a96f3279432ca9 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE B}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-b320564db84ec4b9933714f55c53e45f has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em><strong>How we work out example quotes:<\/strong> These examples are real quotes from our online system (created {{EXAMPLE QUOTE DATE}}). They\u2019re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you\u2019re quoted may differ to the ones you see here.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"how-getting-a-business-insurance-quote-works\">\n<div class=\"wp-block-group alignwide list-table has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h2 class=\"wp-block-heading\" id=\"h-how-it-works\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-group list-table__stepper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-pick-what-goes-into-your-policy\" style=\"margin-top:0;margin-bottom:0\">Pick what goes into your policy<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-543e61b7840f6aacb7765e2c5f297d36 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Only pay for what you need<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-get-prices-from-a-range-of-insurers\" style=\"margin-top:0;margin-bottom:0\">Get prices from a range of insurers<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-353915448579f5843ccd3d48a6308003 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Choose the best fit for you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-buy-online-in-minutes\" style=\"margin-top:0;margin-bottom:0\">Buy online in minutes<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-e5970816c7921913b7c8ba5457a2eeb3 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Get your documents the same day<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center list-table__table is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns list-table__table-column-head is-layout-flex wp-container-core-columns-is-layout-b72f7a82 wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--dark-800);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"108\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?w=390\" alt=\"\" class=\"wp-image-26483\" style=\"width:90px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png 390w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?resize=150,42 150w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Direct to<br>insurer<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Highstreet<br>broker<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-c155f70b7a56451613a4a356b3b93530 wp-block-paragraph\" style=\"line-height:1.3\">Compare policies from a range of trusted insurers<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-420821db296939de244288cb0da6161e wp-block-paragraph\" style=\"line-height:1.3\">Buy online or over the phone in minutes<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:30px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-i-choose-insurance\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"doesemployersliabilityinsurancecovermywork\">Who needs business insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Business insurance is important for all types of SME businesses, whether you employ staff, interact with the public, or provide professional services. Check out our list below and find tailored insurance for some of the businesses we insure:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"33\" fill=\"none\" viewBox=\"0 0 33 33\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M15.334 27.245h-8.07a2.026 2.026 0 0 1-2.017-2.034V13.204M1.214 11.17 14.03 1.481a2.004 2.004 0 0 1 2.607 0l12.816 9.689\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.299 27.245v-5.494c0-1.123.903-2.034 2.017-2.034h2.017\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M15.334 13.204c1.67 0 3.026-1.366 3.026-3.051s-1.355-3.051-3.026-3.051-3.026 1.366-3.026 3.05c0 1.686 1.355 3.052 3.026 3.052\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.411 21.34v10.17\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M27.436 21.34h-5.042c-.89.153-1.667.7-2.114 1.491a.503.503 0 0 1-.912-.3v-2.208c0-2.247 1.806-4.068 4.034-4.068h4.034zm.672-6.102h3.362v7.119h-3.36a.675.675 0 0 1-.673-.678v-5.763c0-.375.301-.678.672-.678Z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-builders\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/builders-insurance\/\" data-type=\"page\" data-id=\"471\">Builders<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"32\" fill=\"none\" viewBox=\"0 0 30 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M5.31 1c-1.107-.002-2.026.814-2.1 1.867l-1.818 26a1.95 1.95 0 0 0 .563 1.5c.398.405.954.634 1.535.633h2.415c.963 0 1.802-.625 2.036-1.515l.254-.969C8.428 27.626 9.268 27 10.231 27h9.315c.963 0 1.802.625 2.035 1.516l.255.97c.233.89 1.073 1.514 2.035 1.514h2.415a2.15 2.15 0 0 0 1.536-.632c.398-.404.601-.948.563-1.501l-1.82-26c-.072-1.053-.99-1.87-2.097-1.867z\" clip-rule=\"evenodd\"\/><rect width=\"10.493\" height=\"4\" x=\"9.642\" y=\"5\" stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" rx=\".5\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M14.889 23c2.897 0 5.246-2.239 5.246-5s-2.35-5-5.247-5-5.246 2.238-5.246 5 2.349 5 5.247 5\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m11.18 21.536 7.414-7.068\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-cleaners\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/cleaning-insurance\/\" data-type=\"page\" data-id=\"541\">Cleaners<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-taylor-700-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6B5BE0\" d=\"M3.875 8.398 12 13.984l8.125-5.586V6.875H3.875zm16.25 2.266L12 16.25l-8.125-5.586v7.461h16.25zM2 18.125V5h20v15H2z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-couriers\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/courier-insurance\/\" data-type=\"page\" data-id=\"551\">Couriers<\/a> <\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M6.836 30.117a2.983 2.983 0 0 1-4.236 0 3.026 3.026 0 0 1 0-4.261l8.473-8.517 4.236 4.262-8.473 8.517Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M25.193 7.388 13.191 19.463\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M28.018 7.388a1.99 1.99 0 0 1-2.825.001 2.02 2.02 0 0 1 0-2.841L28.724 1l2.823 2.84-3.53 3.548Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m14.69 11.069-3.048-3.074a5 5 0 0 0-.366-4.426 4.95 4.95 0 0 0-3.731-2.373 4.026 4.026 0 0 1-.558 4.961 3.97 3.97 0 0 1-4.931.566 4.99 4.99 0 0 0 2.361 3.744 4.93 4.93 0 0 0 4.393.369l2.098 2.11 8.771 8.824\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m19.68 21.77 2.363 2.377a5.04 5.04 0 0 0 1.914 6.034 4.97 4.97 0 0 0 6.263-.652 5.04 5.04 0 0 0 .645-6.3 4.976 4.976 0 0 0-5.999-1.924l-3.343-3.363-6.832-6.873\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M26.334 25.621a.5.5 0 0 1 .706 0 .504.504 0 0 1 0 .71.498.498 0 0 1-.853-.354c0-.134.053-.262.147-.356\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-contractors\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/contractors-insurance\/\" data-type=\"page\" data-id=\"548\">Contractors<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6B5BE0\" d=\"m13.875 17.656-1.25-.703a13.77 13.77 0 0 1-5.078-5.078l-.703-1.25 1.015-1.016L9.15 8.32 7.702 4.648l-3.828.665c.156 8.398 6.914 15.156 15.313 15.312l.664-3.828-3.672-1.445-1.29 1.289zm1.875-4.531 6.25 2.5-1.25 6.875H19.5C9.813 22.5 2 14.688 2 5V3.75L8.875 2.5l2.5 6.25-2.187 2.188a11.76 11.76 0 0 0 4.374 4.374z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-office-based-businesses\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/commercial-buildings-insurance\/\" data-type=\"page\" data-id=\"494\">Office-based businesses<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"32\" fill=\"none\" viewBox=\"0 0 34 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m22.012 6.98-3.025 10.008h-8.065l-2.016-6.005h11.896m-9.375 9.007c.278 0 .504.225.504.501s-.226.5-.504.5a.503.503 0 0 1-.505-.5c0-.276.226-.5.505-.5m7.057-.001c.28 0 .505.225.505.501s-.226.5-.505.5a.503.503 0 0 1-.505-.5c0-.276.227-.5.505-.5\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19.465 26.205c-5.727 2.08-12.14-.042-15.468-5.114A12.926 12.926 0 0 1 5.54 4.979C9.77.62 16.474-.262 21.702 2.852c5.23 3.113 7.601 9.398 5.72 15.156\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M22.827 21.799 26.39 31l2.139-3.539 3.564-2.123-9.266-3.54v0Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m32.093 31-3.564-3.539\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-online-retailers\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/online-retailers-insurance\/\" data-type=\"page\" data-id=\"701\">Online retailers<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-taylor-700-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-security-guards\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/security-guard-insurance\/\" data-type=\"page\" data-id=\"738\">Security guards<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"border-style:none;border-width:0px\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-taylor-700-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-self-employed\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/self-employed-insurance\/\" data-type=\"page\" data-id=\"380\">Self-employed<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-hyperlink has-border-color has-azure-600-color has-text-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-0269d83e wp-block-group-is-layout-constrained\" style=\"border-color:var(--wp--custom--color--taylor--700);border-width:1px;border-radius:8px;min-height:0px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 1.8125rem; height: 1.8125rem; margin-right:var(--wp--preset--spacing--40);\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6b5be0\" d=\"M15.125 7.5c0-1.094-.625-2.11-1.562-2.695-.977-.547-2.188-.547-3.126 0-.976.586-1.562 1.601-1.562 2.695 0 1.133.586 2.148 1.563 2.734.937.547 2.148.547 3.124 0 .938-.586 1.563-1.601 1.563-2.734M7 7.5c0-1.758.938-3.398 2.5-4.297 1.523-.898 3.438-.898 5 0 1.523.899 2.5 2.54 2.5 4.297 0 1.797-.977 3.438-2.5 4.336-1.562.898-3.477.898-5 0A4.97 4.97 0 0 1 7 7.5M5.79 20.625h12.42l-1.366-4.375H7.117zm-.04-6.25h12.5l1.914 6.25.586 1.875H3.25l.547-1.875z\"\/><\/svg>\n\n\n<h3 class=\"wp-block-heading has-small-font-size\" id=\"h-sole-traders\" style=\"margin-top:0;margin-bottom:0;line-height:1.2\"><a href=\"\/business-insurance\/sole-trader-insurance\/\" data-type=\"page\" data-id=\"755\">Sole traders<\/a><\/h3>\n\n\n<svg class=\"arrow-right wp-elements-77599950da22871a201f114b2f7cebd5 wp-block-tenup-icon has-text-color has-azure-600-color\" style=\"width: ; height: ;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\"\/><\/svg><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Don&#8217;t worry if your trade isn&#8217;t listed above. When running <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">business insurance quotes<\/a> you can choose from over 1,500 trades.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">What if I have multiple trades?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have multiple trades, you may be able to get a business insurance policy for your SME that covers all of your operations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need to be very clear about all of your trades and their associated risks. If you have a complex business, it\u2019s usually worth speaking to an insurance expert to help you get the right cover.<br><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-89844a45 wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-top:42px;padding-right:var(--wp--preset--spacing--30);padding-bottom:42px;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-talk-to-an-expert\">Talk to an expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--100);margin-left:var(--wp--preset--spacing--10)\">Our team of UK-based insurance experts are here to help,&nbsp;Mon 09.00am &#8211; 05.30pm, Tues 09.00am &#8211; 05.30pm, Weds 09.00am &#8211; 05.30pm, Thurs 09.30am &#8211; 05.30pm, Fri 09.00am &#8211; 05.30pm, Sat 09.00am &#8211; 02.00pm<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png\" alt=\"\" class=\"wp-image-14026\" style=\"width:97px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png 128w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png?resize=96,96 96w\" sizes=\"auto, (max-width: 128px) 100vw, 128px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><span style=\"color: var(--wp--preset--color--azure-800);font-family: var(--wp--preset--font-family--museo-sans);font-size: revert;font-weight: var(--wp--custom--font--weight--500)\">Call our team<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><a href=\"tel:+443330438527\"><strong>0333 043 8527<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-online\"><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\">Online<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us on our website whenever suits you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-phone\"><a href=\"tel:+443330438527\">Phone<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Call our insurance experts during office hours (calls are charged at a local rate)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/\">FAQs<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Find answers to common insurance questions<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-claims-work\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">Your business insurance policy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can build your policy from a range of different covers to suit your individual needs, making sure you get the right commercial cover for your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\"><strong>Public liability insurance<\/strong><\/a> is an important cover for lots of businesses. And if you have employees it&#8217;s likely that you&#8217;re legally required to take out <a href=\"\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\"><strong>employers&#8217; liability insurance<\/strong><\/a> (even if they&#8217;re contractors, casual workers or temporary staff).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s up to you to decide what cover works best for your line of work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re buying business insurance for your SME, it\u2019s really important that you answer all questions accurately and that you choose a high enough level of cover so that you\u2019re protected if you need to make a claim.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">Benefits of business insurance (beyond protection)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As well as protecting your livelihood, business insurance can help to position your business as credible and professional. In some cases, it may also help you to win contracts if clients require you to have this type of insurance to work with them.<br><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group pricing-cta has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-large-font-size\" id=\"pricesstartfrom556permonth\" style=\"padding-top:0;padding-bottom:0\"><strong>{{TRADE CLAIM MESSAGING}}<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-7a371b99333eebf410dc973851e4fb81 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>{{TRADE CLAIM DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"exampleclaim\"><strong>Business insurance claim example<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having small business insurance through Simply Business has saved companies thousands of pounds when the unexpected happened.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"has-azure-500-color has-text-color has-link-color has-medium-font-size wp-elements-4503aac8f99f47255ab2aafe599cf5f2 wp-block-paragraph\"><strong>Ben saved more than \u00a321,200<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ben (not his real name) is a builder working on local domestic properties. After removing a supporting wall and installing metal beams for a client, the walls in the rooms above his work area have developed cracks, and he receives a claim for compensation. The public liability cover in Ben\u2019s small business insurance policy covered the accidental damage.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-17eb6a70c9266b33e8ab38d9fe14a0ba is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-22f03c4a6f80da12e88de45bac6b5119 wp-block-paragraph\"><strong>Insurance payout<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-28bad55be3195e0c9395fab6aa35b9e8 wp-block-paragraph\">\u00a321,290.00<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Covering the cost of accidental damage<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-amethyst-700-color has-alpha-channel-opacity has-amethyst-700-background-color has-background\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f0342b05 wp-block-columns-is-layout-flex has-2-columns\" style=\"margin-top:0;margin-bottom:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-1820f23718746bb0d9f392cb275d6276 wp-block-paragraph\">Ben&#8217;s costs<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-32f0fa69fa18a0d21099ee0b6297ff0c wp-block-paragraph\">\u00a3100<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The excess amount stated in Ben&#8217;s policy terms<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" id=\"process\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-570ff715 wp-block-columns-is-layout-flex has-2-columns\" id=\"Process\" style=\"padding-top:var(--wp--preset--spacing--130);padding-bottom:var(--wp--preset--spacing--130)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" id=\"four-step-process\">\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-insurance-claims-process\">What is the insurance claims process?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list is-style-stepper\">\n<li class=\"wp-block-list-item\"><strong>Contact us\u2028<br><\/strong>Please contact our Claims partner as soon as you can to report what&#8217;s happened, either <a href=\"https:\/\/intake.sedgwick.com\/u\/SimplyBusiness\/SBEnol\" rel=\"noopener noreferrer\" target=\"_blank\">online<\/a> or by phone on 0333 207 0560.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Fill in the gaps<br><\/strong>A dedicated claims handler will work closely with you to understand the details of your claim.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Review your claim<br><\/strong>Your <a href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/business-claims\/\">claim<\/a> will then be reviewed and you\u2019ll be contacted if more supporting documentation is needed. You can track the progress of your claim through the online claims portal.\u00a0<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Decision<br><\/strong>With all the details provided, your claim will be reviewed and a decision and any options will be given.<br><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-2ee3cf718fa44987e7b4dd16c8ef10f7 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xsmall-font-size wp-block-paragraph\"><em>These steps are an overview of the main stages of the claims process and do not reflect all the details of the claims process. <a href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/\">Visit our claims page<\/a> for more information.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<hr style=\"border-bottom-width: 0px; border-top: none;\" class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-e14f76137fe10a2b08dbfb960dce5899 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--30);letter-spacing:0px;line-height:1.2\"><strong>Chosen by nearly one million small business and landlord customers<\/strong><\/p>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-5fb67d827c00dbcd7402c398052ea5ae wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">With insurance for over 1,500 trades, and 9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy \u2013 all in one place.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2256e7f1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-605425aa wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2.5rem; height: 2.5rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.622 29.829H8.812l-2.055-8.93a1.41 1.41 0 0 1 .22-1.133 1.19 1.19 0 0 1 .96-.513h17.559c.388.008.748.2.96.513.232.332.312.742.22 1.134z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.723 29.829H31.71\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.716 25.985c1.105 0 2-.86 2-1.922s-.895-1.922-2-1.922-1.999.86-1.999 1.922.895 1.922 2 1.922Zm.001-14.415c3.036 0 5.498-2.366 5.498-5.285S19.753 1 16.717 1s-5.498 2.366-5.498 5.285 2.462 5.285 5.498 5.285\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M23.38 16.375c-1.688-1.835-4.115-2.886-6.663-2.886-2.55 0-4.976 1.05-6.664 2.886\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-27cc22f094adc40f27a74d011fdbe779\" id=\"h-compare-and-buy-in-minutes\" style=\"margin-bottom:0\">Compare and buy in minutes<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-1678a01e7803e76483b7200495ea0631 wp-block-paragraph\" style=\"margin-top:0\">Documents arrive today<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-6969d2fc wp-block-group-is-layout-flex\" style=\"padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-118c8280014805ccb4ac91f06f5b1338\" id=\"h-rated-uk-sb-feefo-score\" style=\"margin-bottom:0\">Rated 4.5\/5<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-b38a3849b2977c4333453f8104a5603c wp-block-paragraph\" style=\"margin-top:0\">Based on 40k <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" rel=\"noopener noreferrer\" target=\"_blank\">Feefo<\/a><a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" rel=\"noopener noreferrer\" target=\"_blank\"> reviews<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e5fbeb3a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-302f6e57 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" fill=\"none\" viewBox=\"0 0 29 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.142 20.699a1.995 1.995 0 0 1-2.884 0l-5.367-5.6a4.04 4.04 0 0 1-.755-4.656v0a4.025 4.025 0 0 1 6.452-1.048l1.112 1.107 1.112-1.113a4.025 4.025 0 0 1 6.452 1.048v0a4.04 4.04 0 0 1-.755 4.655z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.718 5.232v10.151c0 4.964 2.17 11.733 11.548 15.35a4 4 0 0 0 2.868 0c9.375-3.61 11.547-10.428 11.547-15.35V5.232a1.98 1.98 0 0 0-1.155-1.816A28.9 28.9 0 0 0 14.7 1 28.9 28.9 0 0 0 2.874 3.416a1.98 1.98 0 0 0-1.156 1.816\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-11298f433c5c8a656f0286dbaea945fd\" id=\"h-here-to-help\" style=\"margin-bottom:0\">Here to help<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-e907ebeab2058a1716e249ffa2128461 wp-block-paragraph\" style=\"margin-top:0\">Help from UK-based experts<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-eba800c7 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-6dbac112d39cf9d89ecc0a895b22fac1\" id=\"h-24-7-claims\" style=\"margin-bottom:0\">24\/7 claims<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-9787d1adb445f0193cb88f694938936c wp-block-paragraph\" style=\"margin-top:0\">Make a claim any time<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"faqs\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"employersinsurancefaqs\">Business insurance FAQs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re new to buying business insurance or you\u2019ve been trading for a while, here are the answers to some commonly asked questions about business insurance for SMEs. You can also check out our <a data-type=\"page\" data-id=\"572\" href=\"\/business-insurance\/faq\/\">business insurance FAQs<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-2&quot;,&quot;contentId&quot;:&quot;tenup-accordion-2-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-2-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-2-content\" aria-expanded=\"false\" id=\"tenup-accordion-2-header\" class=\"tenup-uikit-container-1 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat is business insurance for SMEs for?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-2-header\" id=\"tenup-accordion-2-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>Business insurance protects businesses against losses that happen as a result of normal business activities<\/strong> \u2013 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. Typical cover  includes public liability, professional indemnity and employers\u2019 liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more information check out our <a href=\"\/business-insurance\/faq\/what-is-business-insurance\/\" data-type=\"page\" data-id=\"595\">business insurance FAQ pages<\/a>.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-4&quot;,&quot;contentId&quot;:&quot;tenup-accordion-4-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-4-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-4-content\" aria-expanded=\"false\" id=\"tenup-accordion-4-header\" class=\"tenup-uikit-container-3 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhy choose Simply Business for business insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-4-header\" id=\"tenup-accordion-4-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Here at Simply Business, nearly one million customers trust us with their business insurance. Our expert team is on hand to help you find the right level of cover to protect your business. We allow you to compare quotes from a range of leading insurers and choose the best policy for your needs. Get started today and get your tailored business insurance quote in minutes.&nbsp;<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-6&quot;,&quot;contentId&quot;:&quot;tenup-accordion-6-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-6-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-6-content\" aria-expanded=\"false\" id=\"tenup-accordion-6-header\" class=\"tenup-uikit-container-5 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs business insurance a legal requirement?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-6-header\" id=\"tenup-accordion-6-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>While business insurance isn&#8217;t a legal requirement, some regulators may require you to have it in order to operate.<\/strong> The only type of business insurance that&#8217;s mandatory under the law is employers&#8217; liability insurance \u2013 it&#8217;s likely that if you have staff, you need this cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/is-business-insurance-a-legal-requirement\/\" data-type=\"page\" data-id=\"585\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-8&quot;,&quot;contentId&quot;:&quot;tenup-accordion-8-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-8-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-8-content\" aria-expanded=\"false\" id=\"tenup-accordion-8-header\" class=\"tenup-uikit-container-7 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow much business insurance do I need?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-8-header\" id=\"tenup-accordion-8-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Most businesses with employees need to have at least \u00a35 million of employers&#8217; liability insurance. It also depends on the nature of your work, and whether clients, contracts or regulatory bodies specify a particular level of cover. Think about how much you might need to pay out in claims if something goes wrong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simply Business offers between \u00a31 million to \u00a35 million of&nbsp;public liability insurance, \u00a350,000 to \u00a35 million of&nbsp;professional indemnity insurance, and \u00a310 million as standard of employers\u2019 liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare business insurance quotes today to get the right level of cover for your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/faq\/how-much-business-insurance-do-i-need\/\" data-type=\"page\" data-id=\"578\">Read more<\/a><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-10&quot;,&quot;contentId&quot;:&quot;tenup-accordion-10-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-10-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-10-content\" aria-expanded=\"false\" id=\"tenup-accordion-10-header\" class=\"tenup-uikit-container-9 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat is the difference between small business insurance and commercial insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-10-header\" id=\"tenup-accordion-10-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">There\u2019s no difference between small business insurance and commercial insurance \u2013 they\u2019re simply interchangeable names for the same thing.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, small business insurance or commercial insurance can protect your business in the event of a legal dispute or an injury to one of your employees.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-12&quot;,&quot;contentId&quot;:&quot;tenup-accordion-12-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-12-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-12-content\" aria-expanded=\"false\" id=\"tenup-accordion-12-header\" class=\"tenup-uikit-container-11 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tCan I get business insurance before registering my business?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-12-header\" id=\"tenup-accordion-12-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>Yes, you can buy business insurance before registering your business, and even before you&#8217;ve started trading.<\/strong> Keep in mind that when buying a <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/commercial-insurance\/\" data-type=\"page\" data-id=\"543\">commercial insurance policy<\/a>, insurers will ask for details like your business address, your trade type, and your actual or projected turnover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Registering your business<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re starting your business you can set up as a sole trader or start a limited company. As a sole trader, the only business registration you generally need to complete is a registration for the HMRC self-assessment tax system. You can do this on the .gov website.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you set up a limited company, there\u2019s a bit more paperwork involved. You need to <a href=\"\/knowledge\/starting-out\/how-to-register-with-companies-house\/\" data-type=\"knowledge\" data-id=\"850\">register your business with Companies House<\/a> (this is sometimes called \u2018incorporating\u2019) and you\u2019ll then be given a company registration number (CRN). Some businesses can complete the registration process online).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Buying your business insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although it\u2019s really important to register your business and tick all the legal boxes when you\u2019re getting started, you don\u2019t need to register your business before you can buy your business insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re buying your policy, insurers need to know things like your business address, your trade type, and your actual or projected turnover. You may also be asked about your business structure (whether you\u2019re a sole trader or a limited company, for example). However, you won\u2019t be asked for your CRN or other business registration details.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that you can buy your business insurance while you\u2019re doing all the other paperwork to set up your business.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-14&quot;,&quot;contentId&quot;:&quot;tenup-accordion-14-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-14-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-14-content\" aria-expanded=\"false\" id=\"tenup-accordion-14-header\" class=\"tenup-uikit-container-13 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tCan I get business insurance without a trade licence?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-14-header\" id=\"tenup-accordion-14-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>Yes, as you can buy business insurance before you begin trading.<\/strong> But <a href=\"\/knowledge\/management\/business-licence-uk-guide\/\" data-type=\"knowledge\" data-id=\"1354\">some types of business will need a trade licence to operate<\/a> \u2013 and if you need a licence and start trading without it, your business insurance policy may be invalid. Trade licences are usually issued by the relevant licensing authority or by the local authority.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trade licences<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not every business needs a trade licence. There are certain business types, however, that require licences, and these are usually issued by the relevant licensing authority or by the local authority. Businesses that need trade licences include market traders, taxi drivers, and pet shops. You can use the licence finder tool on the government\u2019s website to check whether your business needs a licence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that even if you don\u2019t need a trade licence, you do need to register your business. If you\u2019re a sole trader, you need to register for self-assessment tax, and if you\u2019re setting up as a limited company you need to \u2018incorporate\u2019, which means registering with Companies House and getting a company registration number (CRN).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Buying your business insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s possible to buy your business insurance before your trade licence has been issued. Your insurer won\u2019t ask for your licence details when you buy your insurance, and you can get your insurance in place before you begin trading.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, part of your agreement with your insurer is that you\u2019ll comply with all laws and regulations, so if you start trading without a necessary licence, your business insurance may be rendered invalid. This could mean that any claim you make is refused by your insurer. Therefore it\u2019s important to get all your paperwork in order, and get your trade licence sorted before you begin trading.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-16&quot;,&quot;contentId&quot;:&quot;tenup-accordion-16-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-16-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-16-content\" aria-expanded=\"false\" id=\"tenup-accordion-16-header\" class=\"tenup-uikit-container-15 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat kind of excess should I expect?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-16-header\" id=\"tenup-accordion-16-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">An excess is an amount you pay towards any claim you make on your business insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurance cover<\/th><th class=\"has-text-align-left\" data-align=\"left\">Lowest excess<\/th><th class=\"has-text-align-left\" data-align=\"left\">Highest excess<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Public liability<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a3100<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a32500<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Employers&#8217; liability<\/td><td class=\"has-text-align-left\" data-align=\"left\">No excess<\/td><td class=\"has-text-align-left\" data-align=\"left\">No excess<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Tools<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a360<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a3500<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Stock<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a3100<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a3500<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Business and office equipment<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a350<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00a3750<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*The figures above are for guidance only and any excess applying to your business insurance quote may differ. You\u2019ll get a breakdown of the excesses for each quote when you compare with us.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-18&quot;,&quot;contentId&quot;:&quot;tenup-accordion-18-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-18-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-18-content\" aria-expanded=\"false\" id=\"tenup-accordion-18-header\" class=\"tenup-uikit-container-17 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat can affect the price of my business insurance policy?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-18-header\" id=\"tenup-accordion-18-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">The cost of your business insurance is tailored to your business. It\u2019s based on a number of factors, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your claims history, particularly the past five years<\/li>\n\n\n\n<li class=\"wp-block-list-item\">how long you&#8217;ve been operating in your trade<\/li>\n\n\n\n<li class=\"wp-block-list-item\">working in dangerous environments<\/li>\n\n\n\n<li class=\"wp-block-list-item\">working with dangerous materials<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the value of goods, equipment, or tools you insure<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the number of covers you add (the more covers, the greater the price)<\/li>\n<\/ul>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-20&quot;,&quot;contentId&quot;:&quot;tenup-accordion-20-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-20-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-20-content\" aria-expanded=\"false\" id=\"tenup-accordion-20-header\" class=\"tenup-uikit-container-19 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDoes business insurance cover me for theft?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-20-header\" id=\"tenup-accordion-20-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Most business insurance policies will cover you for theft. However, the level of cover and what it protects will depend on your policy.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you want to protect your tools or the equipment you use to run your business, you\u2019ll need to add tools insurance or business equipment insurance to your policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, public liability insurance can cover you for the theft of someone else\u2019s property that you\u2019re responsible for, while stock insurance can cover the cost of replacing your stock if it\u2019s stolen.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-22&quot;,&quot;contentId&quot;:&quot;tenup-accordion-22-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-22-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-22-content\" aria-expanded=\"false\" id=\"tenup-accordion-22-header\" class=\"tenup-uikit-container-21 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tCan I add cover for a different trade or profession to my business insurance policy?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-22-header\" id=\"tenup-accordion-22-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>Yes. It\u2019s important to make sure you have the right type and level of insurance for the different types of work you do.<\/strong> For example, if you\u2019re a builder, you may also do roofing work on certain jobs \u2013 you\u2019ll need additional cover for this, but you can have it all on the one policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When looking for best-rated business insurance quotes, you\u2019ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on <strong>0333 043 8527<\/strong> and one of our insurance experts will help you set up your policy in minutes.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-24&quot;,&quot;contentId&quot;:&quot;tenup-accordion-24-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-24-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-24-content\" aria-expanded=\"false\" id=\"tenup-accordion-24-header\" class=\"tenup-uikit-container-23 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDoes public liability insurance cover my business for the actions of my employees?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-24-header\" id=\"tenup-accordion-24-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This will depend on whether you have <strong>employers&#8217; liability insurance<\/strong> in place. <strong>Public liability insurance<\/strong> is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers&#8217; liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-26&quot;,&quot;contentId&quot;:&quot;tenup-accordion-26-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-26-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-26-content\" aria-expanded=\"false\" id=\"tenup-accordion-26-header\" class=\"tenup-uikit-container-25 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need cover for other types of work?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-26-header\" id=\"tenup-accordion-26-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><strong>Make sure you\u2019re covered for the services you provide:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/beauty-therapist-insurance\/\" data-type=\"page\" data-id=\"487\">Beauty therapist insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/market-traders-insurance\/\" data-type=\"page\" data-id=\"376\">Market traders insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/personal-trainer-insurance\/\" data-type=\"page\" data-id=\"707\">Personal trainer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/plumbers-insurance\/\" data-type=\"page\" data-id=\"716\">Plumbers liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/by-industry\/\" data-type=\"page\" data-id=\"503\">More insurance by industry<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Other types of business insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We offer several different types of business insurance, with some of the most common types of insurance listed below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\">Public liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/professional-indemnity-insurance\/\" data-type=\"page\" data-id=\"720\">Professional indemnity insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\">Employers&#8217; liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/commercial-insurance\/\" data-type=\"page\" data-id=\"543\">Commercial insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/product-liability-insurance\/\" data-type=\"page\" data-id=\"719\">Product liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/tool-insurance\/\" data-type=\"page\" data-id=\"769\">Tool insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/stock-insurance\/\" data-type=\"page\" data-id=\"759\">Stock insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/personal-accident-insurance\/\" data-type=\"page\" data-id=\"705\">Personal accident insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/office-insurance\/\" data-type=\"page\" data-id=\"700\">Office insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/business-contents-insurance\/\" data-type=\"page\" data-id=\"495\">Business contents insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/online-retailers-insurance\/\" data-type=\"page\" data-id=\"701\">Online retailer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/types-of-insurance-covers\/\" data-type=\"page\" data-id=\"552\">More business insurance covers<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Landlord covers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">Landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/commercial-landlord-insurance\/\" data-type=\"page\" data-id=\"1613\">Commercial landlord insurance<\/a><\/li>\n<\/ul>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-28&quot;,&quot;contentId&quot;:&quot;tenup-accordion-28-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-28-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-28-content\" aria-expanded=\"false\" id=\"tenup-accordion-28-header\" class=\"tenup-uikit-container-27 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need business insurance if I\u2019m self-employed?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-28-header\" id=\"tenup-accordion-28-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you\u2019re self-employed and hire staff you\u2019ll be required by law to have employers\u2019 liability insurance. There aren\u2019t any other types of insurance that are legal requirements for self-employed businesses. However, it\u2019s important that you have the right cover in place so you\u2019re protected if something goes wrong or a claim is made against your business.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alongside employers&#8217; liability insurance if you have staff, you&#8217;ll probably want to take out public or product liability cover and professional indemnity cover. Depending on your business, there are a range of other covers you can add into your business insurance policy including tools insurance, legal expenses insurance, and stock insurance. You can find out more on our <a href=\"\/business-insurance\/self-employed-insurance\/\" data-type=\"page\" data-id=\"380\">self-employed insurance page<\/a>.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-30&quot;,&quot;contentId&quot;:&quot;tenup-accordion-30-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-30-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-30-content\" aria-expanded=\"false\" id=\"tenup-accordion-30-header\" class=\"tenup-uikit-container-29 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need business insurance for an online business?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-30-header\" id=\"tenup-accordion-30-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If your online business hires staff then you\u2019ll need employers\u2019 liability insurance as a legal requirement. You\u2019re not legally required to have any other insurance for your online business, but it\u2019s crucial that you\u2019re covered in case something goes wrong.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As well as employers\u2019 liability insurance (for business with staff), online businesses usually include cover for things like public and product liability, professional indemnity, legal expenses, and stock in their insurance policy.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visit our <a href=\"\/business-insurance\/online-retailers-insurance\/\" data-type=\"page\" data-id=\"701\">online business insurance page<\/a> to find out more about the types of cover that could help to protect your business.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-32&quot;,&quot;contentId&quot;:&quot;tenup-accordion-32-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-32-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-32-content\" aria-expanded=\"false\" id=\"tenup-accordion-32-header\" class=\"tenup-uikit-container-31 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need business insurance to work from home?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-32-header\" id=\"tenup-accordion-32-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you work from home regularly, it\u2019s not a requirement to have business insurance. However, it\u2019s worth checking your home insurance policy and in some cases making your insurer aware of your situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you run your business from home and you employ staff, you\u2019ll need employers\u2019 liability insurance as a legal requirement. You\u2019re not required to have any other types of cover if you run a home business, but there are several risks it\u2019s important to protect yourself against. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if your home business handles client data you may need to take out professional indemnity insurance. Meanwhile if you store stock or business equipment at home, you may need insurance to cover you for theft or damage. If your customers or clients visit your home, then public liability insurance can cover you if someone is injured or their property is damaged because of your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although standard home insurance can cover you if you work from home regularly, if you\u2019re running your business from home it\u2019s likely you\u2019ll need <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/commercial-buildings-insurance\/\" data-type=\"page\" data-id=\"494\">commercial property insurance<\/a>.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-34&quot;,&quot;contentId&quot;:&quot;tenup-accordion-34-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-34-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-34-content\" aria-expanded=\"false\" id=\"tenup-accordion-34-header\" class=\"tenup-uikit-container-33 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs business insurance tax-deductible?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-34-header\" id=\"tenup-accordion-34-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Business insurance is usually tax-deductible, which means it can reduce your tax bill. HMRC considers business insurance to be an \u2018allowable expense\u2019, so you can deduct the cost of it from your taxable profit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can deduct business insurance from your profit to reduce your tax bill whether you\u2019re a <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/sole-trader-insurance\/\" data-type=\"page\" data-id=\"755\">sole trader<\/a> and submit a <a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/self-assessment\/how-to-do-a-self-assessment-tax-return\/\" data-type=\"knowledge\" data-id=\"24133\">Self Assessment<\/a>, or own a <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/limited-company-insurance\/\" data-type=\"page\" data-id=\"676\">limited company<\/a> and pay corporation tax.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-e38ea13205ba8db4d8b3cfc74a6b9239 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group wp-block-group--author-bio has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-reduced-gap is-nowrap is-layout-flex wp-container-core-group-is-layout-0ebbc8f5 wp-block-group-is-layout-flex wp-block-null\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-right:0;padding-left:0\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38\" width=\"48\" height=\"48\" sizes=\"auto, 48px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=19 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=77 96w\" style=\"border-radius:100px;\"\/><\/div><div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-de426fab6e76d6ad2546f65b5fa7f93b wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:0;font-style:normal;font-weight:700;line-height:1.2\">Reviewed by<\/p><p style=\"font-style:normal;font-weight:700;line-height:1.2;\" class=\"wp-elements-5ae0374f373cf4f908ba1fe736fa2376 wp-block-co-authors-plus-name has-text-color has-slate-blue-color has-medium-font-size\">Greg Caswell-Smith<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"helpful-articles\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide post-list-picker has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-helpful-articles-for-small-businesses\">Helpful articles for small businesses<\/h3>\n\n\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1444 knowledge type-knowledge status-publish has-post-thumbnail hentry category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two women in a shop, the employee hands a bag to the customer after a purchase\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=800,446 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=768,429 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=1024,571 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/07\/HowtoStartaBusiness-scaled.png?resize=150,84 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/how-to-start-a-business\/\" target=\"_self\" >How to start a business in 9 steps<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-24127 knowledge type-knowledge status-publish has-post-thumbnail hentry category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"503\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png 1631w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=800,393 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=768,377 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=1024,503 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=1536,754 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/business-ideas-sub-pillar.png?resize=150,74 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/small-business-ideas\/\" target=\"_self\" >Small business ideas \u2013 best businesses to start yourself<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1525 knowledge type-knowledge status-publish has-post-thumbnail hentry category-funding is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Man working at a laptop\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg 7360w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=800,534 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=768,513 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=1024,683 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=1536,1025 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=2048,1367 2048w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/funding\/small-business-grants\/\" target=\"_self\" >Small business grants: everything you need to know<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1532 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-structure category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"458\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Small business owner on phone taking sales orders and checking inventory.\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?resize=800,450 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?resize=768,432 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/sole-trader-vs-limited-company.jpg?resize=150,84 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/sole-trader-vs-limited-company\/\" target=\"_self\" >Sole trader vs limited company \u2013 what&#8217;s the difference?<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A free monthly newsletter with the latest news and tools for small businesses and landlords.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-222c5d1d wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-outline has-size-medium is-style-outline--35\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.simplybusiness.co.uk\/about-us\/newsletter-signup\/\">Subscribe to our newsletter<\/a><\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-social-links has-small-icon-size is-style-logos-only is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Facebook<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-x  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.x.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M13.982 10.622 20.54 3h-1.554l-5.693 6.618L8.745 3H3.5l6.876 10.007L3.5 21h1.554l6.012-6.989L15.868 21h5.245l-7.131-10.378Zm-2.128 2.474-.697-.997-5.543-7.93H8l4.474 6.4.697.996 5.815 8.318h-2.387l-4.745-6.787Z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on X<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-youtube  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.youtube.com\/user\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Subscribe to Simply Business Videos on Youtube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/company\/simply-business_39914\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.instagram.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 s-0.009,2.688-0.052,3.637c-0.04,0.877-0.187,1.354-0.31,1.671c-0.163,0.42-0.358,0.72-0.673,1.035 c-0.315,0.315-0.615,0.51-1.035,0.673c-0.317,0.123-0.794,0.27-1.671,0.31c-0.949,0.043-1.233,0.052-3.637,0.052 s-2.688-0.009-3.637-0.052c-0.877-0.04-1.354-0.187-1.671-0.31c-0.42-0.163-0.72-0.358-1.035-0.673 c-0.315-0.315-0.51-0.615-0.673-1.035c-0.123-0.317-0.27-0.794-0.31-1.671C4.631,14.688,4.622,14.403,4.622,12 s0.009-2.688,0.052-3.637c0.04-0.877,0.187-1.354,0.31-1.671c0.163-0.42,0.358-0.72,0.673-1.035 c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-tiktok  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/@simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 32 32\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 0.109-3.812-0.411-5.437-1.369-2.693-1.588-4.588-4.495-4.864-7.615-0.032-0.667-0.043-1.333-0.016-1.984 0.24-2.537 1.495-4.964 3.443-6.615 2.208-1.923 5.301-2.839 8.197-2.297 0.027 1.975-0.052 3.948-0.052 5.923-1.323-0.428-2.869-0.308-4.025 0.495-0.844 0.547-1.485 1.385-1.819 2.333-0.276 0.676-0.197 1.427-0.181 2.145 0.317 2.188 2.421 4.027 4.667 3.828 1.489-0.016 2.916-0.88 3.692-2.145 0.251-0.443 0.532-0.896 0.547-1.417 0.131-2.385 0.079-4.76 0.095-7.145 0.011-5.375-0.016-10.735 0.025-16.093z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on TikTok<\/span><\/a><\/li><\/ul>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Compare business insurance quotes tailored to your trade. Find the right cover from leading insurers in 7 minutes and get covered and your documents the same day.<\/p>\n","protected":false},"author":11,"featured_media":26916,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"en-us","sb_hreflang_url":"https:\/\/www.simplybusiness.com\/business-insurance\/","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_faq_schema":"","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"nav_contact_cta","sb_primary_cta_id":"nav_primary_cta","sb_secondary_cta_id":"nav_secondary_cta","sb_no_sticky_header":false,"sb_show_last_updated_date":"on","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[458],"class_list":["post-5152","page","type-page","status-publish","has-post-thumbnail","hentry"],"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>{{SEO PAGE TITLE}}<\/title>\n<meta name=\"description\" content=\"{{SEO PAGE DESCRIPTION}}\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare Business Insurance Quotes | Simply Business UK\" \/>\n<meta property=\"og:description\" content=\"Compare business insurance quotes tailored to your trade. Find the right cover from leading insurers in 7 minutes and get covered and your documents the same day.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Simply Business UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/simplybusiness\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-11T13:09:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Business Insurance\" \/>\n<meta name=\"twitter:site\" content=\"@simplybusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"15 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Greg Caswell-Smith\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\",\"name\":\"{{SEO PAGE TITLE}}\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg\",\"datePublished\":\"2024-05-13T12:28:28+00:00\",\"dateModified\":\"2026-05-11T13:09:06+00:00\",\"description\":\"{{SEO PAGE DESCRIPTION}}\",\"breadcrumb\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#primaryimage\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg\",\"contentUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.simplybusiness.co.uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/\",\"name\":\"Simply Business UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.simplybusiness.co.uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@context\":\"http:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is business insurance for SMEs for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Business insurance protects businesses against losses that happen as a result of normal business activities \u2013 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. Typical cover  includes public liability, professional indemnity and employers\u2019 liability insurance.    For more information check out our business insurance FAQ pages.\"}},{\"@type\":\"Question\",\"name\":\"Why choose Simply Business for business insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Here at Simply Business, nearly one million customers trust us with their business insurance. Our expert team is on hand to help you find the right level of cover to protect your business. We allow you to compare quotes from a range of leading insurers and choose the best policy for your needs. Get started today and get your tailored business insurance quote in minutes.&nbsp;\"}},{\"@type\":\"Question\",\"name\":\"Is business insurance a legal requirement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"While business insurance isn't a legal requirement, some regulators may require you to have it in order to operate. The only type of business insurance that's mandatory under the law is employers' liability insurance \u2013 it's likely that if you have staff, you need this cover.    Read more\"}},{\"@type\":\"Question\",\"name\":\"How much business insurance do I need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most businesses with employees need to have at least \u00a35 million of employers' liability insurance. It also depends on the nature of your work, and whether clients, contracts or regulatory bodies specify a particular level of cover. Think about how much you might need to pay out in claims if something goes wrong.    Simply Business offers between \u00a31 million to \u00a35 million of&nbsp;public liability insurance, \u00a350,000 to \u00a35 million of&nbsp;professional indemnity insurance, and \u00a310 million as standard of employers\u2019 liability insurance.    Compare business insurance quotes today to get the right level of cover for your business.    Read more\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between small business insurance and commercial insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There\u2019s no difference between small business insurance and commercial insurance \u2013 they\u2019re simply interchangeable names for the same thing.&nbsp;    For example, small business insurance or commercial insurance can protect your business in the event of a legal dispute or an injury to one of your employees.\"}},{\"@type\":\"Question\",\"name\":\"Can I get business insurance before registering my business?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, you can buy business insurance before registering your business, and even before you've started trading. Keep in mind that when buying a commercial insurance policy, insurers will ask for details like your business address, your trade type, and your actual or projected turnover.    Registering your business    When you\u2019re starting your business you can set up as a sole trader or start a limited company. As a sole trader, the only business registration you generally need to complete is a registration for the HMRC self-assessment tax system. You can do this on the .gov website.    If you set up a limited company, there\u2019s a bit more paperwork involved. You need to register your business with Companies House (this is sometimes called \u2018incorporating\u2019) and you\u2019ll then be given a company registration number (CRN). Some businesses can complete the registration process online).    Buying your business insurance    Although it\u2019s really important to register your business and tick all the legal boxes when you\u2019re getting started, you don\u2019t need to register your business before you can buy your business insurance.    When you\u2019re buying your policy, insurers need to know things like your business address, your trade type, and your actual or projected turnover. You may also be asked about your business structure (whether you\u2019re a sole trader or a limited company, for example). However, you won\u2019t be asked for your CRN or other business registration details.    This means that you can buy your business insurance while you\u2019re doing all the other paperwork to set up your business.\"}},{\"@type\":\"Question\",\"name\":\"Can I get business insurance without a trade licence?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, as you can buy business insurance before you begin trading. But some types of business will need a trade licence to operate \u2013 and if you need a licence and start trading without it, your business insurance policy may be invalid. Trade licences are usually issued by the relevant licensing authority or by the local authority.    Trade licences    Not every business needs a trade licence. There are certain business types, however, that require licences, and these are usually issued by the relevant licensing authority or by the local authority. Businesses that need trade licences include market traders, taxi drivers, and pet shops. You can use the licence finder tool on the government\u2019s website to check whether your business needs a licence.    Remember that even if you don\u2019t need a trade licence, you do need to register your business. If you\u2019re a sole trader, you need to register for self-assessment tax, and if you\u2019re setting up as a limited company you need to \u2018incorporate\u2019, which means registering with Companies House and getting a company registration number (CRN).    Buying your business insurance    It\u2019s possible to buy your business insurance before your trade licence has been issued. Your insurer won\u2019t ask for your licence details when you buy your insurance, and you can get your insurance in place before you begin trading.    However, part of your agreement with your insurer is that you\u2019ll comply with all laws and regulations, so if you start trading without a necessary licence, your business insurance may be rendered invalid. This could mean that any claim you make is refused by your insurer. Therefore it\u2019s important to get all your paperwork in order, and get your trade licence sorted before you begin trading.\"}},{\"@type\":\"Question\",\"name\":\"What kind of excess should I expect?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An excess is an amount you pay towards any claim you make on your business insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.    Insurance coverLowest excessHighest excessPublic liability\u00a3100\u00a32500Employers' liabilityNo excessNo excessTools\u00a360\u00a3500Stock\u00a3100\u00a3500Business and office equipment\u00a350\u00a3750*The figures above are for guidance only and any excess applying to your business insurance quote may differ. You\u2019ll get a breakdown of the excesses for each quote when you compare with us.\"}},{\"@type\":\"Question\",\"name\":\"What can affect the price of my business insurance policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The cost of your business insurance is tailored to your business. It\u2019s based on a number of factors, such as:     your claims history, particularly the past five years    how long you've been operating in your trade    working in dangerous environments    working with dangerous materials    the value of goods, equipment, or tools you insure    the number of covers you add (the more covers, the greater the price)\"}},{\"@type\":\"Question\",\"name\":\"Does business insurance cover me for theft?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most business insurance policies will cover you for theft. However, the level of cover and what it protects will depend on your policy.&nbsp;    For example, if you want to protect your tools or the equipment you use to run your business, you\u2019ll need to add tools insurance or business equipment insurance to your policy.    At the same time, public liability insurance can cover you for the theft of someone else\u2019s property that you\u2019re responsible for, while stock insurance can cover the cost of replacing your stock if it\u2019s stolen.\"}},{\"@type\":\"Question\",\"name\":\"Can I add cover for a different trade or profession to my business insurance policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. It\u2019s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you\u2019re a builder, you may also do roofing work on certain jobs \u2013 you\u2019ll need additional cover for this, but you can have it all on the one policy.    When looking for best-rated business insurance quotes, you\u2019ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.\"}},{\"@type\":\"Question\",\"name\":\"Does public liability insurance cover my business for the actions of my employees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This will depend on whether you have employers' liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.    If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.    There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers' liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team.\"}},{\"@type\":\"Question\",\"name\":\"Do I need cover for other types of work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Make sure you\u2019re covered for the services you provide:     Beauty therapist insurance    Market traders insurance    Personal trainer insurance    Plumbers liability insurance    More insurance by industry     Other types of business insurance    We offer several different types of business insurance, with some of the most common types of insurance listed below:     Public liability insurance    Professional indemnity insurance    Employers' liability insurance    Commercial insurance    Product liability insurance    Tool insurance    Stock insurance    Personal accident insurance    Office insurance    Business contents insurance    Online retailer insurance    More business insurance covers     Landlord covers     Landlord insurance    Commercial landlord insurance\"}},{\"@type\":\"Question\",\"name\":\"Do I need business insurance if I\u2019m self-employed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you\u2019re self-employed and hire staff you\u2019ll be required by law to have employers\u2019 liability insurance. There aren\u2019t any other types of insurance that are legal requirements for self-employed businesses. However, it\u2019s important that you have the right cover in place so you\u2019re protected if something goes wrong or a claim is made against your business.&nbsp;    Alongside employers' liability insurance if you have staff, you'll probably want to take out public or product liability cover and professional indemnity cover. Depending on your business, there are a range of other covers you can add into your business insurance policy including tools insurance, legal expenses insurance, and stock insurance. You can find out more on our self-employed insurance page.\"}},{\"@type\":\"Question\",\"name\":\"Do I need business insurance for an online business?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If your online business hires staff then you\u2019ll need employers\u2019 liability insurance as a legal requirement. You\u2019re not legally required to have any other insurance for your online business, but it\u2019s crucial that you\u2019re covered in case something goes wrong.&nbsp;    As well as employers\u2019 liability insurance (for business with staff), online businesses usually include cover for things like public and product liability, professional indemnity, legal expenses, and stock in their insurance policy.&nbsp;    Visit our online business insurance page to find out more about the types of cover that could help to protect your business.\"}},{\"@type\":\"Question\",\"name\":\"Do I need business insurance to work from home?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you work from home regularly, it\u2019s not a requirement to have business insurance. However, it\u2019s worth checking your home insurance policy and in some cases making your insurer aware of your situation.    If you run your business from home and you employ staff, you\u2019ll need employers\u2019 liability insurance as a legal requirement. You\u2019re not required to have any other types of cover if you run a home business, but there are several risks it\u2019s important to protect yourself against.     For example, if your home business handles client data you may need to take out professional indemnity insurance. Meanwhile if you store stock or business equipment at home, you may need insurance to cover you for theft or damage. If your customers or clients visit your home, then public liability insurance can cover you if someone is injured or their property is damaged because of your business.    Although standard home insurance can cover you if you work from home regularly, if you\u2019re running your business from home it\u2019s likely you\u2019ll need commercial property insurance.\"}},{\"@type\":\"Question\",\"name\":\"Is business insurance tax-deductible?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Business insurance is usually tax-deductible, which means it can reduce your tax bill. HMRC considers business insurance to be an \u2018allowable expense\u2019, so you can deduct the cost of it from your taxable profit.&nbsp;    You can deduct business insurance from your profit to reduce your tax bill whether you\u2019re a sole trader and submit a Self Assessment, or own a limited company and pay corporation tax.\"}}]},{\"@type\":\"PostalAddress\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#local-main-place-address\",\"streetAddress\":\"Hylo, 105 Bunhill Row\",\"addressLocality\":\"London\",\"postalCode\":\"EC1Y 8LZ\",\"addressCountry\":\"GB\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#local-main-organization-logo\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png\",\"contentUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png\",\"width\":533,\"height\":187,\"caption\":\"Simply Business UK\"}]}<\/script>\n<meta name=\"geo.placename\" content=\"London\" \/>\n<meta name=\"geo.region\" content=\"United Kingdom (UK)\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"{{SEO PAGE TITLE}}","description":"{{SEO PAGE DESCRIPTION}}","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/","og_locale":"en_GB","og_type":"article","og_title":"Compare Business Insurance Quotes | Simply Business UK","og_description":"Compare business insurance quotes tailored to your trade. Find the right cover from leading insurers in 7 minutes and get covered and your documents the same day.","og_url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/","og_site_name":"Simply Business UK","article_publisher":"https:\/\/www.facebook.com\/simplybusiness","article_modified_time":"2026-05-11T13:09:06+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_title":"Business Insurance","twitter_site":"@simplybusiness","twitter_misc":{"Est. reading time":"15 minutes","Written by":"Greg Caswell-Smith"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/","name":"{{SEO PAGE TITLE}}","isPartOf":{"@id":"https:\/\/www.simplybusiness.co.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg","datePublished":"2024-05-13T12:28:28+00:00","dateModified":"2026-05-11T13:09:06+00:00","description":"{{SEO PAGE DESCRIPTION}}","breadcrumb":{"@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.simplybusiness.co.uk\/business-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#primaryimage","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg","contentUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.simplybusiness.co.uk\/"},{"@type":"ListItem","position":2,"name":"Business Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.simplybusiness.co.uk\/#website","url":"https:\/\/www.simplybusiness.co.uk\/","name":"Simply Business UK","description":"","publisher":{"@id":"https:\/\/www.simplybusiness.co.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.simplybusiness.co.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@context":"http:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is business insurance for SMEs for?","acceptedAnswer":{"@type":"Answer","text":"Business insurance protects businesses against losses that happen as a result of normal business activities \u2013 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. Typical cover  includes public liability, professional indemnity and employers\u2019 liability insurance.    For more information check out our business insurance FAQ pages."}},{"@type":"Question","name":"Why choose Simply Business for business insurance?","acceptedAnswer":{"@type":"Answer","text":"Here at Simply Business, nearly one million customers trust us with their business insurance. Our expert team is on hand to help you find the right level of cover to protect your business. We allow you to compare quotes from a range of leading insurers and choose the best policy for your needs. Get started today and get your tailored business insurance quote in minutes.&nbsp;"}},{"@type":"Question","name":"Is business insurance a legal requirement?","acceptedAnswer":{"@type":"Answer","text":"While business insurance isn't a legal requirement, some regulators may require you to have it in order to operate. The only type of business insurance that's mandatory under the law is employers' liability insurance \u2013 it's likely that if you have staff, you need this cover.    Read more"}},{"@type":"Question","name":"How much business insurance do I need?","acceptedAnswer":{"@type":"Answer","text":"Most businesses with employees need to have at least \u00a35 million of employers' liability insurance. It also depends on the nature of your work, and whether clients, contracts or regulatory bodies specify a particular level of cover. Think about how much you might need to pay out in claims if something goes wrong.    Simply Business offers between \u00a31 million to \u00a35 million of&nbsp;public liability insurance, \u00a350,000 to \u00a35 million of&nbsp;professional indemnity insurance, and \u00a310 million as standard of employers\u2019 liability insurance.    Compare business insurance quotes today to get the right level of cover for your business.    Read more"}},{"@type":"Question","name":"What is the difference between small business insurance and commercial insurance?","acceptedAnswer":{"@type":"Answer","text":"There\u2019s no difference between small business insurance and commercial insurance \u2013 they\u2019re simply interchangeable names for the same thing.&nbsp;    For example, small business insurance or commercial insurance can protect your business in the event of a legal dispute or an injury to one of your employees."}},{"@type":"Question","name":"Can I get business insurance before registering my business?","acceptedAnswer":{"@type":"Answer","text":"Yes, you can buy business insurance before registering your business, and even before you've started trading. Keep in mind that when buying a commercial insurance policy, insurers will ask for details like your business address, your trade type, and your actual or projected turnover.    Registering your business    When you\u2019re starting your business you can set up as a sole trader or start a limited company. As a sole trader, the only business registration you generally need to complete is a registration for the HMRC self-assessment tax system. You can do this on the .gov website.    If you set up a limited company, there\u2019s a bit more paperwork involved. You need to register your business with Companies House (this is sometimes called \u2018incorporating\u2019) and you\u2019ll then be given a company registration number (CRN). Some businesses can complete the registration process online).    Buying your business insurance    Although it\u2019s really important to register your business and tick all the legal boxes when you\u2019re getting started, you don\u2019t need to register your business before you can buy your business insurance.    When you\u2019re buying your policy, insurers need to know things like your business address, your trade type, and your actual or projected turnover. You may also be asked about your business structure (whether you\u2019re a sole trader or a limited company, for example). However, you won\u2019t be asked for your CRN or other business registration details.    This means that you can buy your business insurance while you\u2019re doing all the other paperwork to set up your business."}},{"@type":"Question","name":"Can I get business insurance without a trade licence?","acceptedAnswer":{"@type":"Answer","text":"Yes, as you can buy business insurance before you begin trading. But some types of business will need a trade licence to operate \u2013 and if you need a licence and start trading without it, your business insurance policy may be invalid. Trade licences are usually issued by the relevant licensing authority or by the local authority.    Trade licences    Not every business needs a trade licence. There are certain business types, however, that require licences, and these are usually issued by the relevant licensing authority or by the local authority. Businesses that need trade licences include market traders, taxi drivers, and pet shops. You can use the licence finder tool on the government\u2019s website to check whether your business needs a licence.    Remember that even if you don\u2019t need a trade licence, you do need to register your business. If you\u2019re a sole trader, you need to register for self-assessment tax, and if you\u2019re setting up as a limited company you need to \u2018incorporate\u2019, which means registering with Companies House and getting a company registration number (CRN).    Buying your business insurance    It\u2019s possible to buy your business insurance before your trade licence has been issued. Your insurer won\u2019t ask for your licence details when you buy your insurance, and you can get your insurance in place before you begin trading.    However, part of your agreement with your insurer is that you\u2019ll comply with all laws and regulations, so if you start trading without a necessary licence, your business insurance may be rendered invalid. This could mean that any claim you make is refused by your insurer. Therefore it\u2019s important to get all your paperwork in order, and get your trade licence sorted before you begin trading."}},{"@type":"Question","name":"What kind of excess should I expect?","acceptedAnswer":{"@type":"Answer","text":"An excess is an amount you pay towards any claim you make on your business insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.    Insurance coverLowest excessHighest excessPublic liability\u00a3100\u00a32500Employers' liabilityNo excessNo excessTools\u00a360\u00a3500Stock\u00a3100\u00a3500Business and office equipment\u00a350\u00a3750*The figures above are for guidance only and any excess applying to your business insurance quote may differ. You\u2019ll get a breakdown of the excesses for each quote when you compare with us."}},{"@type":"Question","name":"What can affect the price of my business insurance policy?","acceptedAnswer":{"@type":"Answer","text":"The cost of your business insurance is tailored to your business. It\u2019s based on a number of factors, such as:     your claims history, particularly the past five years    how long you've been operating in your trade    working in dangerous environments    working with dangerous materials    the value of goods, equipment, or tools you insure    the number of covers you add (the more covers, the greater the price)"}},{"@type":"Question","name":"Does business insurance cover me for theft?","acceptedAnswer":{"@type":"Answer","text":"Most business insurance policies will cover you for theft. However, the level of cover and what it protects will depend on your policy.&nbsp;    For example, if you want to protect your tools or the equipment you use to run your business, you\u2019ll need to add tools insurance or business equipment insurance to your policy.    At the same time, public liability insurance can cover you for the theft of someone else\u2019s property that you\u2019re responsible for, while stock insurance can cover the cost of replacing your stock if it\u2019s stolen."}},{"@type":"Question","name":"Can I add cover for a different trade or profession to my business insurance policy?","acceptedAnswer":{"@type":"Answer","text":"Yes. It\u2019s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you\u2019re a builder, you may also do roofing work on certain jobs \u2013 you\u2019ll need additional cover for this, but you can have it all on the one policy.    When looking for best-rated business insurance quotes, you\u2019ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes."}},{"@type":"Question","name":"Does public liability insurance cover my business for the actions of my employees?","acceptedAnswer":{"@type":"Answer","text":"This will depend on whether you have employers' liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.    If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.    There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers' liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team."}},{"@type":"Question","name":"Do I need cover for other types of work?","acceptedAnswer":{"@type":"Answer","text":"Make sure you\u2019re covered for the services you provide:     Beauty therapist insurance    Market traders insurance    Personal trainer insurance    Plumbers liability insurance    More insurance by industry     Other types of business insurance    We offer several different types of business insurance, with some of the most common types of insurance listed below:     Public liability insurance    Professional indemnity insurance    Employers' liability insurance    Commercial insurance    Product liability insurance    Tool insurance    Stock insurance    Personal accident insurance    Office insurance    Business contents insurance    Online retailer insurance    More business insurance covers     Landlord covers     Landlord insurance    Commercial landlord insurance"}},{"@type":"Question","name":"Do I need business insurance if I\u2019m self-employed?","acceptedAnswer":{"@type":"Answer","text":"If you\u2019re self-employed and hire staff you\u2019ll be required by law to have employers\u2019 liability insurance. There aren\u2019t any other types of insurance that are legal requirements for self-employed businesses. However, it\u2019s important that you have the right cover in place so you\u2019re protected if something goes wrong or a claim is made against your business.&nbsp;    Alongside employers' liability insurance if you have staff, you'll probably want to take out public or product liability cover and professional indemnity cover. Depending on your business, there are a range of other covers you can add into your business insurance policy including tools insurance, legal expenses insurance, and stock insurance. You can find out more on our self-employed insurance page."}},{"@type":"Question","name":"Do I need business insurance for an online business?","acceptedAnswer":{"@type":"Answer","text":"If your online business hires staff then you\u2019ll need employers\u2019 liability insurance as a legal requirement. You\u2019re not legally required to have any other insurance for your online business, but it\u2019s crucial that you\u2019re covered in case something goes wrong.&nbsp;    As well as employers\u2019 liability insurance (for business with staff), online businesses usually include cover for things like public and product liability, professional indemnity, legal expenses, and stock in their insurance policy.&nbsp;    Visit our online business insurance page to find out more about the types of cover that could help to protect your business."}},{"@type":"Question","name":"Do I need business insurance to work from home?","acceptedAnswer":{"@type":"Answer","text":"If you work from home regularly, it\u2019s not a requirement to have business insurance. However, it\u2019s worth checking your home insurance policy and in some cases making your insurer aware of your situation.    If you run your business from home and you employ staff, you\u2019ll need employers\u2019 liability insurance as a legal requirement. You\u2019re not required to have any other types of cover if you run a home business, but there are several risks it\u2019s important to protect yourself against.     For example, if your home business handles client data you may need to take out professional indemnity insurance. Meanwhile if you store stock or business equipment at home, you may need insurance to cover you for theft or damage. If your customers or clients visit your home, then public liability insurance can cover you if someone is injured or their property is damaged because of your business.    Although standard home insurance can cover you if you work from home regularly, if you\u2019re running your business from home it\u2019s likely you\u2019ll need commercial property insurance."}},{"@type":"Question","name":"Is business insurance tax-deductible?","acceptedAnswer":{"@type":"Answer","text":"Business insurance is usually tax-deductible, which means it can reduce your tax bill. HMRC considers business insurance to be an \u2018allowable expense\u2019, so you can deduct the cost of it from your taxable profit.&nbsp;    You can deduct business insurance from your profit to reduce your tax bill whether you\u2019re a sole trader and submit a Self Assessment, or own a limited company and pay corporation tax."}}]},{"@type":"PostalAddress","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#local-main-place-address","streetAddress":"Hylo, 105 Bunhill Row","addressLocality":"London","postalCode":"EC1Y 8LZ","addressCountry":"GB"},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/#local-main-organization-logo","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png","contentUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png","width":533,"height":187,"caption":"Simply Business UK"}]},"geo.placename":"London","geo.region":"United Kingdom (UK)"},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/simplybusiness.co.uk\/business-insurance\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"WebPage","headline":"Business Insurance","url":"http:\/\/www.simplybusiness.co.uk\/business-insurance\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.simplybusiness.co.uk\/business-insurance\/"},"thumbnailUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/11\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg"},"articleSection":"General business","author":[{"@type":"Person","name":"Greg Caswell-Smith"}],"creator":["Greg Caswell-Smith"],"publisher":{"@type":"Organization","name":"Simply Business UK","logo":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/04\/icon-512x512-1.png"},"keywords":[],"dateCreated":"2024-05-13T12:28:28Z","datePublished":"2024-05-13T12:28:28Z","dateModified":"2026-05-11T13:09:06Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"WebPage\",\"headline\":\"Business Insurance\",\"url\":\"http:\\\/\\\/www.simplybusiness.co.uk\\\/business-insurance\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.simplybusiness.co.uk\\\/business-insurance\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/11\\\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg?w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/11\\\/SB-UKTVTheBest_CoreLP_BI_Compressed.jpg\"},\"articleSection\":\"General business\",\"author\":[{\"@type\":\"Person\",\"name\":\"Greg Caswell-Smith\"}],\"creator\":[\"Greg Caswell-Smith\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Simply Business UK\",\"logo\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/04\\\/icon-512x512-1.png\"},\"keywords\":[],\"dateCreated\":\"2024-05-13T12:28:28Z\",\"datePublished\":\"2024-05-13T12:28:28Z\",\"dateModified\":\"2026-05-11T13:09:06Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/simplybusiness.co.uk\/p.js"},"_links":{"self":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/5152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/comments?post=5152"}],"version-history":[{"count":51,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/5152\/revisions"}],"predecessor-version":[{"id":51117,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/5152\/revisions\/51117"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/media\/26916"}],"wp:attachment":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/media?parent=5152"}],"wp:term":[{"taxonomy":"hidden-category","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/hidden-category?post=5152"},{"taxonomy":"import-page-type","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/import-page-type?post=5152"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/coauthors?post=5152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}