Start by listing your business activities, turnover, staff numbers, premises, equipment and the risks you want to cover. Request quotes from an FCA-authorised insurer or broker, giving the same accurate information each time so the cover and prices can be compared fairly. Check policy limits, excesses, exclusions and whether you need employers’ liability, public liability, professional indemnity, tools or business interruption cover. Before buying, read the policy wording and ask the provider or a regulated broker about anything unclear, as the final suitability and price depend on your circumstances.