Tell us about your business. A verified insurance professional who covers your postcode will get in touch to explain what cover is required, what is worth having and what to compare, before you commit.
A verified professional will get in touch.
Which you need depends on what your business does. A professional can help you decide.
Cover for claims from employees who are injured or made ill by their work. A legal requirement for most employers.
Cover for claims from the public for injury or damage caused by your business.
Cover for claims that your advice or service caused a client a financial loss.
Cover for your premises, equipment and the stock you hold.
Cover for lost income if you have to stop trading after an insured event.
Cover for data and online attacks, for tools and equipment, and for business vehicles.
The trade or service, and the risks that come with it.
Turnover and the number of people who work for you.
The value of premises, stock, equipment or contracts.
Past claims, and how long you have traded.
The amount the policy will pay out for each claim.
What you pay towards a claim yourself.
Ask for the firm's FCA reference number and check it on the FCA Register.
And is anything I have missing?
In writing, for the work my business actually does.
For each type of cover.
Particularly for professional indemnity.
What cooling-off rights apply to a business policy.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Some business insurance is a legal requirement and some only protects you. You hear which is which for a business like yours.
Insurers expect you to describe your business fully and fairly. You hear what to tell them, so a claim isn't put at risk.
You get the options explained. Whether to buy, and from whom, is always your decision.
If you employ staff, you usually need employers' liability insurance, and you can be fined if you don't have it. If you use vehicles for business, you need motor insurance. Other cover, such as public liability, is not usually required by law, but customers or contracts often ask for it.
Generally not, if you have no employees. There are exceptions, so check the guidance on GOV.UK or ask an adviser about your own circumstances.
It covers claims from members of the public who are injured or whose property is damaged because of your business. Many clients and venues require it before you can work for them.
It covers claims that your advice or service caused a client financial loss. It matters for anyone who gives advice or designs, and some professional bodies require it. Ask whether the policy covers claims made after you stop trading.
Depending on what you do: cover for your premises and stock, business interruption if you have to stop trading, tools and equipment, cyber cover, product liability, and cover for directors. A professional can help you decide what is worth paying for.
You must give a fair and clear picture of your business and its risks. If you leave out something important, a claim could be reduced or refused. If you aren't sure whether something matters, ask and tell the insurer.
By what your business does, its size and turnover, the number of staff, the value of what is covered, your claims history and the limits and excess you choose.
Cooling-off rights for business policies can be more limited than for personal ones, and the terms differ. Ask what applies before you commit, and read your documents.
Complain to the insurer first. Smaller businesses may be able to take an unresolved complaint to the Financial Ombudsman Service, depending on their size, so ask what applies.
What your business does, roughly how many people work in it and your turnover, whether you have premises or vehicles, and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance or legal advice. Any quote or advice comes from the firm that contacts you. Check that a firm is authorised on the Financial Conduct Authority Register (register.fca.org.uk) before you share personal or payment details.
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