Business insurance

Business insurance guides

Employer liability, public liability, business interruption and specialist commercial covers explained.

14 guides4 topics

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Public Liability Explained

  • Public liability covers claims from third parties for injury or property damage linked to your business activities.
  • It does not cover injuries to employees — that’s employers’ liability.
  • Limits matter: common limits are £1m–£10m depending on your work and contracts.
  • Check territorial limits (UK-only vs worldwide), and whether products/completed work are included.
  • Keep good incident records — they help claims and reduce disputes.

What do you need to work out?

Pick the closest match. Each path leads to a curated cluster of guides.

What cover does my business need

The essential covers explained.

3 guides →

I'm comparing policies

Employer liability, public liability, BI cover.

2 guides →

I have a specialist risk

Niche and complex commercial covers.

4 guides →

I need to make a claim

Commercial claims and your rights.

1 guide →

Editor’s picks

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Key Guide

Employers Liability Explained

Published 30 Jun 2026
Key Guide

Professional Indemnity Explained

Core Guide

Landlord Insurance Explained

Core Guide

2 guides

Tools & Equipment Insurance Explained

Deep Dive

4 guides

Contract Works Insurance Explained

Environmental Liability Insurance Explained

Management Liability Insurance Explained

Trade Credit Insurance Explained

Support & Rights

1 guide

FCA Complaint Routes Explained

The full library

Showing 2 guides of 14
Core Guide

Landlord Insurance Explained

  • Landlord policies are tailored for rental properties and tenant-related risks.
  • Buildings cover is usually essential; landlord contents applies to furnished items you own.
  • Loss of rent cover can help after insured damage makes the property uninhabitable (limits apply).
  • Liability cover protects against tenant/visitor injury claims.
  • Always disclose tenant type (students, DSS, HMO) — misdescription can cause claim problems.
Core Guide

Tools & Equipment Insurance Explained

  • Tools cover protects your business equipment against theft, loss (sometimes), and accidental damage.
  • Cover often differs for tools in a vehicle vs at a secured premises — check conditions carefully.
  • Single item limits and total limits can be restrictive; schedule high-value items where needed.
  • Hired-in plant and owned plant may need separate sections.
  • Security requirements (locks, alarms, trackers) are a common cause of claim disputes.