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Introducing Business Insurance with Utility Bidder in partnership with Simply Business, where protection meets peace of mind. Our new partnership with Simply Business brings you access to a comprehensive range of solutions to help you safeguard your business endeavours.
With their expertise you can choose from quotes from a range of leading insurers to help you find the appropriate cover for your business, allowing you to focus on what you do best – running your business.
Together, we aim to simplify the process of securing the right insurance for your specific needs. Compare business insurance quotes and protect your business now.
Get your business insurance quote today!
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Building your business insurance quote
You have the flexibility to tailor your policy to your specific business requirements.
For many businesses, public liability insurance is a crucial component of their cover. Additionally, if you have employees, you are legally obliged to obtain business insurance, even if they are contractors, part-time workers, or temporary staff (unless you only employ family).
It’s ultimately your responsibility to determine the most suitable coverage for negligent services in your particular industry.
When purchasing insurance, it’s vital to provide accurate answers to all questions and select cover levels that are sufficiently high to ensure protection in case you need to file a claim.
What is business insurance for?
Business insurance serves as a safeguard to help shield your company from some legal costs, unforeseen losses or claims that may arise. While it’s impossible to prevent the unexpected, having the appropriate business insurance policy in effect helps you have financial protection.
Typically, business insurance policies encompass various forms of coverage, such as employer’s liability insurance, public liability insurance, and professional indemnity insurance.
Is business insurance a legal requirement?
In certain situations, yes, business insurance can be necessary. If your business has employees, including volunteers, apprentices, contractors, or temporary workers, employers’ liability insurance is a legal requirement as per the Employers’ Liability Act of 1969. This legal obligation doesn’t apply if you exclusively employ family members, although it’s still available to consider for added protection.
By law, you must have at least £5 million in liability coverage. Simply Business, offers a standard coverage of £10 million. This helps ensure that if someone gets injured or falls ill due to their work for your business, even years later, you can have confidence in your coverage.
Although not legally mandated, it’s worth noting that some clients may request proof of specific types of insurance, such as public liability insurance, before offering you work. Additionally, certain professional regulatory bodies may have their own requirements for professional indemnity insurance. You’ll be asked about your professional body membership when you request a quote, if applicable to your business. And the insurance documentation you receive will demonstrate you meet those requirements.
You have the option to include this business insurance in your policy when you request a quote online.
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