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What this guide covers
UK business insurance is a market crowded with broker calls and over-selling. This guide sorts cover into what the law requires, what your contracts and customers require, and what is genuinely worth buying.
- Legally required — employers' liability insurance is the only mandatory cover, and only once you employ anyone other than the sole director.
- Functionally required — public liability (most landlords and customers insist on it) and professional indemnity (for advice-led work, often a contractual condition).
- Genuinely useful — cyber liability for any business holding customer data, plus tools and equipment, goods in transit, business contents and business interruption cover depending on what you do.
- Often over-sold — key person, directors and officers (D&O) and some legal expenses cover are frequently pushed onto businesses that do not need them.
- How to buy — use an FCA-authorised broker rather than a comparison site; the British Insurance Brokers' Association has a free find-a-broker service.
- What to check — the excess, the aggregate limit, the exclusions, and the notification clause on every policy.
Read the full guide
The complete guide, including typical premium ranges and what to check on each policy, is at /guides/business-insurance-what-a-uk-micro-business-actually-needs/.
How Credit Corp can help
An annual insurance renewal is exactly the kind of known, dated bill you can smooth with Credicorp Slice, or bridge with short-term funding if cash is tight — see What we offer and the costs at /ai.md.
Related
- Business guides hub
- Managing your money as a UK micro-business
- Where to find business support in the UK
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