Small business insurance in Cardiff may include public liability, employers’ liability, professional indemnity, buildings, contents and business interruption cover, depending on your work and premises. Consider risks specific to your business, such as visiting customers, employing staff, holding stock or operating from a rented shop, office or home. Employers’ liability insurance is generally required if you employ people, subject to limited exceptions, while other cover may be optional but important. Compare policy limits, exclusions and excesses, and check that any provider you use is FCA-authorised; a broker can help assess your circumstances.