Business Insurance FAQs

Here are a list of some Business Insurance frequently asked questions. We know it can be a tricky topic, so we’ve put some together to help you find the best policy.

How is my business insurance premium calculated? These factors include the size of your business, the type of work you do, the level of cover you need, how long you’ve been in business and also whether you have had any claims.

What is business interruption cover? If you can’t work because your property has been stolen, damaged or destroyed, business interruption will make up for the money you lose while you’re unable to trade or additional costs you pay out to get you back up and running.

Do I need to include subcontractors on my employers’ liability insurance? Yes, you must provide employers’ liability cover  for the total number of subcontractors that you are responsible for.

Who do I need to provide employers’ liability cover for? You need to provide cover for anyone who undertakes work solely for you in a paid capacity or who cannot employ a substitute if they are unable to do the work.

We hope this information has been helpful. For more information on our business insurance policies, or to get a quote, call our friendly team on 0191 482 0050. Alternatively, use our contact form by > clicking here <

Don’t forget to take a look at our Resource Portfolio for free insurance advice.

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