Small business insurance protects you and your company with coverage for claims made for all manner of negligence and lack of reasonable care in the workplace. All businesses can benefit from the wide range of cover offered by many insurers and every responsible company should have in place, a business liability insurance scheme dealing with essential forms of insurance coverage.


Some types of business liability insurance are required by law in the U.K and some types are optional and of course, it is up to each individual company’s risk management team to identify which cover they require as a necessity and which cover their company should require in terms of risk potential. The extent of the liability insurance that each business should require can vary and depends on the industry, size and set up of that particular business.

Essential business liability insurance should usually include public liability insurance, product liability insurance, professional indemnity insurance, employer’s liability insurance and tax and VAT investigation insurance. Other areas of business insurance coverage are also available but how much these other areas of cover are required would again be linked to the relevant risk potential of the particular kind of company and field of business they’re in.

All professional businesses have the chance of a claim being made against them for a multitude of reasons. In more traditional professions such as architects, solicitors, accountants, engineers, professional indemnity insurance is needed for protection against claims made for instances of slander and libel, omissions, professional neglect, passing off copy rights, malicious falsehood and more.

In manual work fields, such as construction, there is always the possibility for human error or accidents to occur and there is always a party responsible for such instances of negligence or irresponsibility. In the unlikely event of an injury an employee may find them self in a situation where they want to sue their employer for negligence, providing the injury caused to the employee was as a result of negligence on someone else’s part and providing the injury was caused whilst they were at work. A member of the public may want to make an insurance claim against a company for an injury they have suffered as a result of negligence on the part of one of the company’s employees so you see insurance coverage against such possibilities is imperative.