Start by listing your business activities, employees, premises, equipment and the risks you face, as these details affect the cover available. Public liability insurance can help with claims involving injury or property damage, while professional indemnity, employers’ liability, stock, tools or business interruption cover may also be relevant. Employers’ liability is generally required by law if you employ staff, subject to specific exemptions, so check the latest guidance on GOV.UK. Compare FCA-authorised providers carefully and check exclusions, limits and excesses rather than choosing on price alone; a regulated broker may help if your needs are complex.