Business insurance: the basics

Getting the right insurance is essential for any business.

It's a sensible business decision to insure your premises, fixtures, fittings, equipment and stock against disasters such as fire, flood and theft which could prove highly damaging to your operations.

Some businesses may also want to consider insuring against legal liabilities, buying life and health cover for staff, and unprecedented events such as cyber security attacks. 

This guide sets out the business insurance you must have by law and the other types of cover a new business may require. It also explains how to get advice from a broker and gives details of insurance for homeworkers.