Business insurance can include several types of cover, depending on your work, premises, staff and contracts. Public liability may help with claims involving injury or property damage, while employers’ liability insurance is generally required if you employ staff, subject to limited exceptions. Professional indemnity, commercial property, stock, business interruption and cyber cover may also be relevant for some businesses. Check policy exclusions, limits and conditions carefully, and compare the risks you face with guidance from an FCA-authorised insurance provider.