Probably the first type of insurance cover you jneed to think about when  you run any kind of company is Public & Products liability which provides cover if compensation be sought against one’s business should a customer suffer any injury or damage to their property as a result of one’s business activity.  The product liability cover is basically the same as public liability but involving claims against injury or illness caused by one’s company’s products produced, sold or supplied.   As soon as you start to employ help, paid or volunteer, then Employers’ Liability is essential, even if you  only employ one person.  In fact it is a legal requirement to hold at least £5 milion employers’ liability cover.  Most Business insurance packages will include this as standard but there may be a case for upgrading or topping the basic cover up dependent on the nature of the business and the number of employees it has.  Employers’ liability offers cover against claims for compensation by empiloyees in the case of injury or illness ;they hav suffered or damage to their property in the workplace.

These days, cyber insurance cover provides for losses of income and compensation claims made against you following a cyber attack or data breach.   A major attack will involve hackers and this cover will protect against large scale data loss as well as breaches caused by syystem or employee error.