Business service · Banking
Business insurance
Some cover is a legal requirement; the rest is protection you choose.
ConditionalExternal serviceNot a government requirement · Last reviewed 2026-08-01
What is this?
Policies covering the assets, people and liabilities of the business.
Why do you need it?
- Legal requirements such as motor and certain employee cover
- Protection of premises, stock and equipment
- Contract and tender requirements
Inzira guidance
Any business with premises, vehicles, employees or public exposure. Before operations start and before assets are on site.
How to do it
- 01List what a loss would cost you: premises, stock, equipment, vehicles, people.
- 02Confirm which covers are legally required for your activity.
- 03Get comparable quotes on identical cover levels.
- 04Check exclusions before signing.
- 05Diarise renewal dates.
What to look for
- Legal requirement: motor vehicle cover, and cover required by your licence or sector
- Recommended protection: property, public liability, business interruption, employee-related, sector-specific
- Insurer licensed by the financial regulator
- Claims process and exclusions
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