A small business insurance quote may include cover such as public liability, employers’ liability, professional indemnity, tools, stock, buildings and business interruption, depending on your needs. The price is usually influenced by your trade, turnover, number of employees, claims history, cover limits, location and the risks involved in your work. Optional extras, excesses and paying monthly rather than annually can also affect the overall cost. Compare policies on the cover and exclusions as well as the premium, and ask an FCA-authorised provider to explain any terms you are unsure about.