If you’re still not entirely sure what business insurance you need, that’s okay. When you get a quote, we’ll ask you some specific questions up-front that’ll help guide you in the right direction – no matter what your business does. Excludes van insurance and landlord insurance where landlord emergency cover is added.
- We offer a number of products and services to help and support your staff.
- Employers’ liability insurance is required by law if you have people working for you.
- Insure your business contents so that if they’re damaged by an insured event, such as fire or theft, your business keeps going.
Professional indemnity insurance can protect you if someone says you’ve provided inadequate advice, services or designs to a customer. Our Buildings and Contents Insurance protects your business’ premises, inside and out. Even if you don’t own the property you run your business from, we cover most damages to furnishings, right down to fixtures and fittings. Public liability is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options.
Small Business Insurance
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong. With approximately 4.3 million SMEs in the UK, employing around 12 million people, this sector is vital to the UK economy. Effective planning to deal with unexpected events makes good business sense – it ensures that a business is protected and can continue its essential operations in the aftermath of an emergency.
So we’re spending our time in keeping things as simple as possible – so you can get properly protected, pronto. This depends on different factors like the nature of your work, the type of insurance you need, and your cover levels. Businesses that insurers see as riskier will usually pay more for their policy. The easiest way to find out how much business insurance will cost is to run a quick quote. David removed a wall at his customer’s property and installed some metal beams. The rooms above have since developed cracks, and David thinks the initial crack was caused when he removed the wall.
Can I Buy Business Insurance If Ive Had Any Ccjs Or Ivas?
Buildings and Contents is one of Aviva’s core covers you’ll need to buy in order to access our other flexible cover options. Professional Indemnity Insurance If your client claims you have provided inadequate service or advice. Employers’ Liability Insurance If you have employees ‐ unless they’re related to you ‐ it’s a legal requirement to have this cover in place. In most cases, business insurance is optional, but some clients and companies may require proof of insurance before agreeing to work with you. Different businesses will need different levels of cover, so the cost of insuring a business will differ. We let you design your own Small Business Insurance, so you’re in control of what aspects of your business you insure and how much you pay.
If you hire employees, you are legally required to take out at least £5 million in employers’ liability insurance. To understand your legal responsibilities and what the exceptions are, read more about employers’ liability here. And now, you’ll get a fast-upfront payment of up to £1,500 to help you replace your essential tools or business equipment if they’re stolen or damaged, with Tools Essentials. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you. Employers’ liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.