Types of business insurance

Different types of insurance protect your business from different types of risk. Our overview of the key insurance types available.

Legal insurance for your business can help you cover the costs of legal action; our guide explains the risks of legal action and how to insure against them.

Depending on the size of your business and what you do, there are some insurances that will be compulsory and others that are highly advisable. 

Putting things right after a major incident at your workplace can be time-consuming - and while you're getting back to normal, you're losing income.

Every business vehicle needs the right insurance, whether it's owned or leased by the business, by you personally or by an employee. Our guide.

Directors and officers are at risk from an alarming range of potential claims. Protect yourself from legal costs, disqualification and worse.

Employers’ liability insurance is a legal requirement for most employers. We explain this and other types of employee insurances you might want to consider.

Making a sale doesn’t guarantee you're going to get paid. Goods can be damaged, stolen or lost and customers can go out of business or refuse to pay.

If you run your business from your home, you need to make sure you're properly insured - your current home insurance may well not cover you.

The building trade presents all sorts of risks, from health and safety to equipment theft and customer disputes. Our guide to getting insured.

If you are self employed or you work as a contractor or freelancer, you will need to arrange insurance. It's unlikely you will be covered by your client's or agency's insurance. We explore the types of insurance you may need.

Along with theft and damage, you need to protect your tech against online threats such as viruses. Good security and the right insurance can help.

If you run a property business, ordinary premises insurance is unlikely to cover you. Our guide to cover for landlords and property developers.

If you need to defend a legal claim, costs can quickly mount up. Without legal costs insurance, it might be simply too risky - even if you're in the right.

Think you don't need insurance for your low-risk, office-based business? Think again - an uninsured problem could be disastrous. Our guide.

If your product injures someone or damages their property, you might face a claim for compensation. Product liability insurance can cover the costs.

Even the best consultants make mistakes - which could lead to substantial legal fees and compensation. Our guide to insurance for advisers.

Professional indemnity insurance helps protect you if a client thinks they lost out because of advice you gave them. We explain the basics.

If you run a pub or restaurant, you need to be protected against risks like theft or flooding as well as legal claims against your business.

Public liability insurance covers you if your business causes injury or property damage - from legal costs to any compensation you might have to pay.

Shop owners have specialist insurance needs to make sure they're protected. Our guide to the main issues to consider and how to reduce your risks.