Small business insurance is a group of policies designed to protect your business from risks such as customer claims, damaged equipment, theft or disruption. Depending on what you do, you might consider public liability, professional indemnity, business contents, commercial vehicle or business interruption cover. Employers’ liability insurance is usually a legal requirement if you employ staff, although exceptions can apply, so check the latest guidance on GOV.UK. The right cover depends on your activities, turnover, premises and contracts, so compare policies carefully or speak to an FCA-authorised provider.