Start by listing your business activities, premises, equipment, stock, vehicles and any staff, as these details affect the cover you may need. Ask about public liability, professional indemnity, employers’ liability and business interruption cover where relevant; if you employ staff, check the current requirements on GOV.UK. Give accurate information and compare quotes on the cover, limits, exclusions and excesses, not just the price. Check that any insurer or broker you use is FCA-authorised, and read the policy documents carefully before buying.