{"id":77611,"date":"2015-10-15T16:37:34","date_gmt":"2015-10-15T15:37:34","guid":{"rendered":"http:\/\/startups.co.uk\/?p=77611"},"modified":"2023-01-20T09:34:16","modified_gmt":"2023-01-20T09:34:16","slug":"starting-a-business-what-insurance-do-you-need","status":"publish","type":"post","link":"https:\/\/startups.co.uk\/insurance\/starting-a-business-what-insurance-do-you-need\/","title":{"rendered":"Starting a business: What insurance do you need?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column] <\/p><div class=\"flexi-comp-lw\">\n <div class=\"flexi-comp-lw-text\">\n <p>Startups.co.uk is reader supported &ndash; we may earn a commission from our recommendations, at no extra cost to you and without impacting our editorial impartiality.<\/p>\n <\/div>\n <\/div>\n[vc_column_text]\n<p style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">Each business has slightly different needs, and it&rsquo;s important to make sure that the risks you face are covered. A good business insurance policy will cover your business in case anything goes wrong and can foot the bill for things like compensation payments and legal costs.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplinks-content\">\n <h3 class=\"jumplinks-content-title\">\n This article on insurance needed to start a business will cover: <\/h3>\n <ul class=\"jumplinks-content-list\">\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-employers-liability-insurance\">Employers&rsquo; liability insurance<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-professional-indemnity-insurance\">Professional indemnity insurance<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-public-and-product-liability-insurance\">Public and product liability insurance<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-building-and-contents-insurance\">Building and contents insurance<\/a>\n <\/li>\n <\/ul>\n<\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-employers-liability-insurance\"><\/div>\n<\/div>\n[vc_column_text]\n<h2 style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-family: 'Arial',sans-serif;color: #212121\">Employers&rsquo; liability insurance<\/span><\/h2>\n<p style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">The only type of business insurance that&rsquo;s legally required is employers&rsquo; liability insurance. If your business employs anyone then you need at least &pound;5m of cover, and you could be fined a maximum of &pound;2,500 for every day that you don&rsquo;t have insurance. The legislation makes a few exceptions, for example if you only employ immediate family members.<\/span><\/p>\n<p style=\"background: white;vertical-align: baseline;line-height: inherit;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">It&rsquo;s designed to cover any compensation claims made by your employees for injury or damage that&rsquo;s caused by their work. For instance if a waiter in your restaurant trips on a loose floorboard and breaks his leg, or if an office worker suffers from repetitive strain injury (RSI) caused by computer work.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-professional-indemnity-insurance\"><\/div>\n<\/div>\n[vc_column_text]\n<h2 style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-family: 'Arial',sans-serif;color: #212121\">Professional indemnity insurance<\/span><\/h2>\n<p style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">Another important insurance to consider when you&rsquo;re starting your business is professional indemnity insurance. This protects you against compensation claims made by a client because they think you&rsquo;ve made a mistake in your work. This includes things like breaching confidentiality, infringing copyright, or giving advice that causes your client to lose money. This makes it a really important cover for your business if you offer a professional service or provide advice, for example if you&rsquo;re a graphic designer or a consultant.<\/span><\/p>\n<p style=\"background: white;vertical-align: baseline;line-height: inherit;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">Some professional bodies and regulators insist that their members have a professional indemnity policy, including in areas like law, financial advice, accountancy, architecture and healthcare. As an example, if you have a marketing agency and you produce a podcast for a client but you use copyrighted music without permission, the copyright holder could sue your client for copyright infringement. If your client demands compensation from you, your professional indemnity policy could cover any legal costs plus compensation payments.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-public-and-product-liability-insurance\"><\/div>\n<\/div>\n[vc_column_text]\n<h2 style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-family: 'Arial',sans-serif;color: #212121\">Public and product liability insurance<\/span><\/h2>\n<p style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">Public liability insurance is worth considering if your business comes into contact with the public, either because customers come to your premises or because you visit client premises or work in public. It&rsquo;s designed to cover compensation claims made by someone who blames injury or damage on your business. For example, if someone&rsquo;s car is damaged by an object that falls from your scaffolding while you&rsquo;re doing building work, or if a customer is injured when they slip on a wet floor in your shop.<\/span><\/p>\n<p style=\"background: white;vertical-align: baseline;line-height: inherit;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">Product liability insurance protects you if a product that you sell causes injury or damage to a member of the public. For example if you sell a toy that has a manufacturing fault that causes injury to a child, your product liability policy could kick in to pay any compensation claims made by the buyer. As with professional indemnity insurance, public and product liability cover can pay out for the legal costs as well as any compensation payments, up to your policy limit.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-building-and-contents-insurance\"><\/div>\n<\/div>\n[vc_column_text]\n<p style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">If you&rsquo;ve got a business premises such as a shop or an office, buildings and contents insurance is another consideration. If you rent the space then you&rsquo;re only responsible for covering your contents (your landlord should cover the building), but if you own your premises then you need to insure the building too. <\/span><\/p>\n<p style=\"background: white;vertical-align: baseline;margin: 0cm 0cm 22.5pt 0cm\"><span style=\"font-size: 11.5pt;font-family: 'Arial',sans-serif;color: #424242\">If you&rsquo;re running your business from your home then you should check your home insurance policy documents carefully, as business activities may not be covered under a standard home insurance policy.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h3>FAQ: What if I have a complaint about your service?<\/h3>\n<p>If you feel dissatisfied with any aspect of our service, then in the first instance please contact The MVF Complaints Team at&nbsp;<a style=\"font-style: inherit;font-weight: inherit\" href=\"mailto:dataprotection@mvfglobal.com\" aria-describedby=\"slack-kit-tooltip\">dataprotection@mvfglobal.com<\/a>. We will immediately carry out an independent investigation of your complaint and will provide a written response.<\/p>\n<p>If we cannot resolve your complaint within three business days, we will refer your complaint to our principal firm, Resolution Compliance Limited, to complete and communicate the outcome of the investigation to you.<\/p>\n<p>If we are unable to resolve your complaint to your satisfaction and you are an eligible complainant as defined by the Financial Conduct Authority, you will have recourse to the Financial Ombudsman Service:<\/p>\n<p><strong style=\"font-style: inherit\">The Financial Ombudsman Service<\/strong><br>\n<strong style=\"font-style: inherit\">Exchange Tower<\/strong><br>\n<strong style=\"font-style: inherit\">London E14 9SR<\/strong><br>\n<strong style=\"font-style: inherit\"><a style=\"font-style: inherit;font-weight: inherit\" href=\"mailto:complaint.info@financial-ombudsman.org.uk\">complaint.info@financial-ombudsman.org.uk<\/a><\/strong><br>\n<strong style=\"font-style: inherit\">020 7964 1000 (switchboard)<\/strong><\/p>\n<hr>\n<p><em>startups.co.uk is a trading name of Marketing VF Limited which is an Appointed Representative of Resolution Compliance Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 574048).<\/em>[\/vc_column_text] <\/p><div class=\"flexi-comp-lw\">\n <div class=\"flexi-comp-lw-text\">\n <p>Startups.co.uk is reader-supported. If you make a purchase through the links on our site, we may earn a commission from the retailers of the products we have reviewed. This helps Startups.co.uk to provide free reviews for our readers. It has no additional cost to you, and never affects the editorial independence of our reviews.<\/p>\n <\/div>\n <\/div>\n[\/vc_column][\/vc_row]\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] Each business has slightly different needs, and it&rsquo;s important to make sure that the risks you face are covered. A good business insurance policy will cover your business in case anything goes wrong and can foot the bill for things like compensation payments and legal costs. [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] Employers&rsquo; liability insurance The only type of [&hellip;]<\/p>\n","protected":false},"author":91464,"featured_media":71114,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3001],"tags":[],"acf":[],"yoast_head":"\n<title>Starting a business: What insurance do you need? | Startups<\/title>\n<meta name=\"description\" content=\"The right insurance is crucial for protecting your business. 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