Small Business Liability Insurance

Overview of business liability insurance

Whether you have a small business or a large one there are many types of liability insurance that you need. Liability insurance can be provided in many types of policies.

If you operate a business from a shop or an office then we would recommend a package shop or office insurance policy. As well as providing public and employers liability insurance the package can also include your stock, contents, goods in transit, consequential loss. Please note that your liability insurance may only cover work on the premises - other than collection and delivery.

If you run your small business from home then you can now get special 'home-work' policies. These can cover your liability including visiting clients or if your customers visit you. These policies can also cover your stock at home, business equipment and can be extended to include your house and contents. If you do buy your house insurance online you should check that you are covered when running a business from home. Also be careful - although liability cover is provided in house insurance as standard it does not cover liability arising out of your occupation.

The small contractor may be based at home but goes out to see customers, do quotes etc, or they may be based in a small factory unit. Liability insurance can be quite high due to the type of activities but, to make life simpler, insurance companies offer policies simply based on the number of workers, rather than on a 'turnover' basis. We have provided rates on our website for many trades to obtain immediate quotes.

Small business liability insurance quotes for contractors (NB this is not just for building and allied trades, many other occupations are listed e.g. teachers and other professionals)

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