Start by listing your business activities, staff, premises, equipment, stock and the risks you need to cover, then check whether clients or contracts require specific insurance. Common policies include public liability, employers’ liability, professional indemnity, commercial property and business interruption cover, but the right combination depends on your circumstances. Give accurate details and realistic cover limits when requesting quotes, as incomplete or misleading information could affect a future claim. Compare exclusions, excesses, limits and policy wording as well as price, and consider using an FCA-authorised broker or provider if you need help.