Business Insurance

There are different types of Business Insurance designed to cover different risks. The cover you may want to consider depends on what your business does, whether you employ people and the risks you face.

Common types include:

• Public Liability Insurance – can help with legal costs and compensation if a member of the public claims your business caused injury or property damage.
• Employers’ Liability Insurance – can help with claims from employees who become ill or are injured because of their work. It’s legally required for most UK employers.
• Professional Indemnity Insurance – can help with claims that your professional work, advice or services caused a client financial loss.
• Business contents and equipment insurance – can help with the cost of repairing or replacing insured equipment and other business contents following covered events.
• Cyber Insurance – can help with certain costs associated with cyber attacks, data breaches and other covered cyber incidents.
• Business interruption insurance – can help with loss of income and certain ongoing costs if a covered event interrupts your ability to trade.

Other types of cover are available depending on your business. Get a quote to see the options available to you.

Not all Business Insurance is required by law, but the cover you may want to consider will depend on how your business operates and the risks you face.

If you employ people in the UK, you’ll usually be legally required to have Employers’ Liability Insurance. Other covers aren’t generally required by law, such as Public Liability Insurance, Professional Indemnity Insurance and contents insurance.

However, clients, landlords, professional bodies or regulators may require you to have certain insurance in place. You might also choose additional cover to help with risks such as customer claims, damage to your property or equipment, cyber attacks or interruptions to your business.

The right Business Insurance depends on what your business does.

Some businesses choose Public Liability Insurance to protect against claims from members of the public, while businesses that give advice or provide professional services often pick Professional Indemnity Insurance.

If you have employees, you'll usually be legally required to have Employers’ Liability Insurance. You may also want cover for your business equipment, stock, buildings or cyber risks.

Choosing the right policy means understanding the risks your business faces. When you start a quote, we’ll help you understand the risks your business may face so you can find the right cover.

Start a quote to find the right cover

The cost of any given business insurance policy depends on factors such as the type of business you run, the cover you choose, your business size and your claims history.

A small freelance business may pay less than a business with employees, premises or specialist equipment.

Getting a quote is the easiest way to see how much insurance could cost for your business.

Get your quote to see what insurance might cost

Getting Business Insurance through Lloyds gives you access to cover that's designed around your business, arranged and administered by Superscript.*

You can choose the protection you need, get an online Business Insurance quote in minutes and manage your policy how you like.

Protect your livelihood, however you do business. There's Business Insurance options for:

• self-employed people looking for insurance for sole traders or freelancers
• start-ups and limited companies, designed to help people who are running a growing business or managing an established company.

To get a quote for Business Insurance, you'll be taken to Superscript's website where there will be a new privacy and cookie policy.

*Superscript is the trading name of Enro Limited.