The right cover depends on your work, premises, employees and the risks you face, rather than simply being based in Manchester. Options may include public liability, employers’ liability, professional indemnity, business equipment, stock, buildings and business interruption cover. Employers’ liability insurance is generally required if you employ staff, subject to specific exemptions, so check the current guidance on GOV.UK. Compare FCA-authorised providers or speak to a regulated insurance broker to make sure the policy limits, exclusions and location details suit your business.