Business insurance is a range of policies designed to protect a company from risks such as property damage, theft, customer claims and interruptions to trading. The cover you need depends on your business activities and may include public liability, professional indemnity, employers’ liability, commercial property and business interruption insurance. UK businesses with employees will generally need employers’ liability insurance, subject to limited exceptions, while other policies may be optional but required by a contract, landlord or regulator. Compare policy terms carefully and consider advice from an FCA-authorised insurance provider.