Ask which risks and activities are covered, whether you need public liability, employers’ liability, professional indemnity, business interruption or other policies, and what limits apply. Check the exclusions, excesses, policy conditions and whether cover applies to temporary staff, contractors, premises, equipment and work carried out away from your usual location. Ask how the premium is calculated, what information could affect it, and how claims are handled and reported. Compare like-for-like quotes from FCA-authorised providers, and consider professional advice if your business has unusual or complex risks.