| Type | Required? | Covers |
|---|---|---|
| Employers' liability | Yes (if employees) | Injury/illness to staff |
| Public liability | No – recommended | Injury/damage to public |
| Professional indemnity | Often by client/body | Claims from advice/work |
| Buildings & contents | Depends | Premises, stock, equipment |
Source: GOV.UK
Key types of cover
- Employers’ liability
- Required by law if you have employees
- Public liability
- Recommended if you deal with customers or the public
- Professional indemnity
- Often required for advice, design, or professional services
- Buildings & contents
- For premises, stock, and equipment
Employers’ liability insurance
If you employ anyone (including casual or temporary staff), you must have employers’ liability insurance. It covers claims from employees who are injured or become ill because of their work. Fines can apply if you don’t have it. Some very limited exceptions exist – check GOV.UK for the latest rules.
Public liability
Public liability covers injury or property damage to members of the public (e.g. customers, visitors) caused by your business. It’s not legally required for most businesses but is often expected by clients or venues. Tradespeople, events, and shops commonly have it.
Professional indemnity
If you give advice, design, or professional services, clients may require you to have professional indemnity insurance. It covers claims for losses caused by your advice or work. Some professional bodies require it.
Other cover
You may need or want: buildings and contents for your business premises, business interruption (loss of income after an incident), goods in transit, or cyber cover. A broker or insurer can help you build a package that fits your business.
Getting quotes
Use comparison sites that cater to business insurance, or speak to a broker. Be accurate about what your business does and how many employees you have – incorrect information can invalidate a claim.
Information correct as of February 2026. Requirements can change. Check GOV.UK and your trade body; we don’t recommend specific insurers.