The right business insurance in Cardiff depends on your work, premises, employees, vehicles and the risks you face. Employers’ liability insurance is usually legally required if you employ staff, while public liability can help with claims involving customers or visitors; professional indemnity may also be relevant if you provide advice or services. If you operate from premises, consider cover for buildings, contents, stock, equipment and business interruption, including risks such as storm or flood damage where appropriate. Compare the policy wording, exclusions and limits carefully, and check that any provider is FCA-authorised.