Most businesses should consider insurance, even where no single policy is legally required. Employers’ liability insurance is generally required if you employ staff, while motor insurance is compulsory for vehicles used on public roads; professional indemnity or other cover may also be required by a regulator or contract. Public liability, stock, equipment, cyber and business interruption cover can help address risks relevant to your work, premises and customers. When comparing quotes, give each FCA-authorised provider accurate details about your activities, turnover, staff and claims history, and check the policy limits, exclusions and excesses.