Whether you need business insurance depends on your business activities, staff, premises, vehicles and contracts. Employers’ liability insurance is generally required if you employ people, subject to limited exemptions, and motor insurance is required for vehicles used on public roads. Public liability, professional indemnity and business interruption cover may not be legally compulsory, but a client, landlord or regulator could require particular protection. Comparing quotes from FCA-authorised providers can help you assess price and cover, while GOV.UK provides guidance on compulsory insurance requirements.