What is business insurance?

Business insurance can protect you against losses incurred during the running of your business – for example, if a customer or employee makes a claim against you, or if your equipment is damaged.

The terms ‘commercial insurance’ and ‘business insurance’ are often used to describe employers’ liability and public liability insurance – the two main types of business insurance. But there are other types of insurance available, each one covering a slightly different aspect of business.

And as each policy is different, it’s important to know what’s actually covered by your business insurance so you can fill in any gaps.

The different types of business insurance that you need to be aware of are:

Public liability insurance

Employers’ liability insurance

Product liability insurance

Professional indemnity insurance

Business interruption insurance

Business property coverage

Key-man insurance

Credit risk insurance

Cyber insurance

Fleet Insurance

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