Compare providers on the cover they offer, not just the premium, checking policy limits, excesses, exclusions and whether your business activities are described accurately. Consider whether you need employers’ liability, public liability, professional indemnity, buildings, contents or cyber cover, depending on your circumstances. Check that the insurer or broker is authorised by the Financial Conduct Authority, and look at claims support, financial strength and customer service as well as price. If your risks are complex, a regulated insurance broker can help you compare suitable options and explain the wording.