Types of business insurance

Public liability insurance

Public liability insurance can cover compensation claims for injury to other people or damage to their property arising from your business activities. Explore this guide if customers visit your premises, you work at client sites or your activities could affect other people or their property.

Professional indemnity insurance

Professional indemnity insurance can cover claims that negligent advice or professional services caused a client financial loss. Explore this guide if you provide advice, designs or other professional services, including consultancy or IT contracting.

Employers’ liability insurance

Employers’ liability insurance can cover compensation claims from employees who are injured or become ill because of their work. If people work for your business, check whether you need this cover. Their working arrangements matter, including for temporary staff and subcontractors.

Tradesperson insurance

Tradesperson insurance can combine different types of cover for a trade business, such as public liability, employers’ liability and tools insurance. Explore this guide if you are an electrician, plumber, builder or other tradesperson reviewing cover for your work, tools and people.

Check which cover and activities the policy includes.

Tool insurance

Tool insurance can help pay to repair or replace insured work tools after loss or damage covered by the policy. Check which tools, events and locations are included, what limits apply and which security conditions you must meet.

Product liability insurance

Product liability insurance can help with legal-liability claims that goods you make, sell or supply caused injury, illness or damage to other property. Cover depends on the goods, your business’s role and the policy terms.

Contract works insurance

Contract works insurance can cover physical loss or damage to insured construction work and materials during the agreed period. It does not automatically include the existing building or its contents.

Hired-in plant insurance

Hired-in plant insurance can cover specified responsibilities for machinery you hire if it is lost or damaged. Cover depends on hire terms the insurer accepts and the policy conditions. Continuing hire charges need separate cover checks.

Personal accident insurance

Personal accident insurance may pay a selected lump sum or a temporary benefit, a payment for a limited period following a qualifying accidental injury. Payment depends on who is insured, their occupation, the benefit definitions and the policy terms. It is not automatically sickness cover or full earnings replacement.