Frequently asked questions.

If you provide advice, consultancy, design or other professional services, Professional Indemnity Insurance is often one of the most important types of cover to consider. While it isn't a legal requirement, many clients make it a contractual requirement before work begins.

Many self-employed professionals choose insurance to protect the business they've built, meet client requirements and safeguard themselves against unexpected claims.

Yes. Many contractors, freelancers and independent professionals can obtain a quote and arrange cover online in just a few minutes.

Yes. Monthly payment options are available on many policies, making it easier to spread the cost of your insurance.

The right cover depends on the work you do and the clients you work with. Many businesses start with Professional Indemnity and Public Liability Insurance before adding additional protection as they grow.

Public Liability Insurance is one of the most popular types of cover for trades and construction businesses. It helps protect your business if someone is injured or their property is damaged because of your work, and many customers and contractors expect you to have it before work begins.

Yes. If your business employs staff, apprentices or many temporary workers, Employers' Liability Insurance is a legal requirement for most UK businesses.

Dedicated Tools & Equipment Insurance can help protect the tools you rely on every day against theft, accidental damage and, depending on the policy, loss.

If your business provides advice, consultancy, design or other professional services, Professional Indemnity Insurance is often one of the most important covers to consider. Many clients also include minimum insurance requirements within their contracts.

Many professional businesses still choose Public Liability Insurance because they meet clients, visit customer premises or welcome visitors to their own offices.

Yes. Many professional businesses can receive a quote and arrange cover online in just a few minutes.

It's a good idea to review your insurance whenever your business changes, for example, if you recruit employees, expand your services, move premises or begin working with larger clients.

If your clients rely on your advice, software, consultancy or professional services, Professional Indemnity Insurance is often one of the most important covers to consider. Many clients also make it a contractual requirement.

Technology businesses often hold sensitive information and depend on digital systems. Cyber Insurance helps protect your business against the financial impact of cyber attacks, ransomware and data breaches.

Yes. Eligible businesses can get a quote online in around 90 seconds, arrange cover entirely online and receive policy documents immediately following eligible online purchases.

If you have any questions before you buy, we're always happy to help.

Public Liability Insurance helps protect your business against claims made by customers, visitors, suppliers and members of the public.

Employers' Liability Insurance protects your business against claims made by employees who suffer a work-related injury or illness. For most businesses that employ people, it's a legal requirement.

Many businesses choose Public Liability Insurance because they regularly work at customer premises or other locations away from their own business. The cover available depends on the policy you choose, so it's always worth checking what's included.

In many cases, yes. If your business grows or a client asks for a higher level of cover, there are often options available. If you need help, we'll be happy to talk you through them.

Professional Indemnity Insurance is designed to help protect your business if a client alleges an error, omission or act of professional negligence has caused them financial loss, subject to the policy terms and conditions.

Professional Indemnity Insurance is designed for claims arising from your advice, expertise or professional services.

Public Liability Insurance is designed for claims involving injury to a customer, visitor or member of the public, or damage to someone else's property because of your business activities.

Many businesses choose to arrange both.

Professional Indemnity Insurance is usually arranged on a claims-made basis. This means the policy generally needs to be in force when a claim is made, rather than when the work was carried out.

If you're changing insurers or reviewing your cover, we're happy to explain how this works before you buy.

For most UK businesses that employ people, Employers' Liability Insurance is a legal requirement, although some exemptions apply.

Employers' Liability Insurance can cover employees, temporary workers, apprentices and, in some circumstances, labour-only subcontractors.

No. They protect your business against different types of claims.

Employers' Liability Insurance helps protect your business against claims made by employees following a work-related injury or illness.

Public Liability Insurance helps protect your business against claims involving customers, visitors and members of the public who allege injury or damage to property because of your business activities.

Many businesses arrange both types of cover.

No. Businesses of all sizes can experience cyber incidents, including sole traders and small businesses.

Many Cyber Insurance policies include cover for ransomware and cyber extortion, subject to the policy terms and conditions.

Many policies include access to specialist incident response services to help businesses manage and recover from a covered cyber incident.

No. They protect your business against different types of risks.

Cyber Insurance helps protect your business against cyber attacks, data breaches and other digital risks.

Professional Indemnity Insurance helps protect your business against claims arising from your advice, expertise or professional services.

Many businesses choose to arrange both types of cover.