If you’re a sole trader or small business owner, you know how important it is to protect your work and your customers. Even when you take care, accidents can still happen. Without insurance, you could face large legal or compensation costs that might seriously affect your business.

Just imagine: A phone call out of the blue. The caller has a voice you don’t recognise. He’s telling you he is hurt – badly – and you’re responsible. You hang up.

As a small business owner, you may already hold Public Liability insurance*. But do you know exactly what your policy does and does not cover?

Public Liability insurance. It’s one of those fundamental covers that most SMEs are familiar with.

Public Liability? Tick. Professional Indemnity? Sorted. But there’s one business insurance that often flies under the radar — Statutory Liability insurance.

As a small business owner, you know all too well that the fate of your business is in your own hands. But did you also know that as a company director or senior manager involved in the management of a company, you also carry specific responsibilities that have the potential to also leave you personally liable if things in your business don’t go as planned.

Many small business owners and start-up owners know that they can reduce their risk via online business insurance, and many do just that. However, what if your business is a purely online business? Can online businesses benefit from reducing their risk with business insurance? And if so, what types of business insurance might owners of online businesses consider for reducing their risk?

Getting a quote can be done online and only takes a few minutes.

Everyday Tradies are exposed to variety of risks in their work – third-party injuries or property damage, lost or damaged tools, and equipment breakdown are just a few of these common risks. Covering these risks with business insurance can help to protect businesses from the cost of these risks occurring.

There are many legal liabilities that come with business ownership, which is why many business owners look for ways to reduce liability claims against their business and minimise Public Liability risks.