If you own any vehicles in relation to your business, third party cover is mandatory by law. If your employees use their own vehicles to work for you, they are responsible for the insurance, but you as an employer must ensure they have the legal minimum.
Tool and equipment cover
If you’re a tradesperson, such as a carpenter or an electrician, you may want to consider protecting your work tools and equipment from damage, loss or theft as part of your business insurance policy.
Professional indemnity insurance
If you offer a service based on knowledge, skills and advice such as a solicitor, accountant or architect, you may need professional indemnity insurance to become a member of a professional body in your chosen industry.
Professional indemnity insurance can cover the costs of a claim by a client who has suffered damage to their reputation or lost money, as a result of your service.