When do I need business insurance? Whether you’re working from your home office, working at clients’ premises, or based in a commercial office or surgery, it’s always wise to make sure you have the right insurance. Accidents happen all the time, and you’ll want a safety net to protect your assets and growth. Is it a legal requirement? If you employ UK-based members of staff, you are legally required to take out Employers' Liability insurance. Any business owner with UK staff should not only have a policy in place worth at least £5 million, but also have a certificate with details of the policy displayed where employees can read it. Those who work alone don’t require Employers’ Liability insurance, but Direct Line for Business provides policies that will keep business interests and assets safe. Crucially, Public Liability insurance means you’ll be covered if an injury or accident for which you’re legally liable happens to a member of the public on your premises. Do I need specialised cover? There are niche areas of every industry which benefit from specialised cover; that’s why we have specialised policies. Whether you run your business from home, or need to insure your office or surgery, or your residential and commercial rental properties, you’ll be able to grow your business, confident that risks specific to your area of work have been taken into consideration. How do I know what policy is right for my business? Take a look through our Knowledge Centre for more information about our policies and find out what cover is relevant to your business niche. You can also use our Find the Right Insurance tool to discover which policy is the perfect fit for you, or use the search box at the top right of our pages to find what you’re looking for. You’ll also find a number you can call if you’re unsure as to what level of cover is right for you. To find out more, please call our specialist business consultants on 0845 305 0501 or visit http://www.directlineforbusiness.co.uk/?cmpid=000/brand/spn/manchesterprofessionals
