What it generally protects
- Business premises, stock and equipment
- Liability to customers, employees and the public, where included
- Loss of income after an insured event interrupts trading
This is general information. Exact cover depends on the specific policy wording of the insurer providing it.
Who may need it
- Small and medium-sized businesses
- Market traders and merchants
- Manufacturers and service providers
Why it matters
One incident — a fire, a break-in, an injury on your premises — can undo years of work. Business cover turns a disaster into a recoverable event.
What to understand before purchasing
- That business cover is usually built from parts — property, liability, interruption — rather than one size fits all
- Whether staff and assets need to be listed or are covered automatically
- Exclusions that are common in your industry
- The level of liability your contracts and customers expect you to hold