Ask which risks and activities are covered, whether you need public liability, employers’ liability, professional indemnity, business interruption or other protection, and what exclusions apply. Check the policy limits, excesses, territorial limits, claims process and any conditions, such as security requirements or keeping records. Give accurate details about your work, turnover, premises and employees, as incorrect information could affect a claim. Before buying, compare the full policy wording and consider discussing your needs with an FCA-authorised insurance provider.