Business insurance

Your business is legally obliged to buy certain insurances, including:

• employers' liability insurance cover - worth at least £5 million - for most types of employees
• motor insurance if your business uses vehicles on the road or other public places
• professional indemnity insurance for businesses in professions such as law and accountancy

You may also want to get insurance to protect your business premises, equipment and stock. An independent insurance broker can help you select the right level of cover, assess which risks pose the greatest threat and find the best deal.