Be wary of policies that offer an unusually low price without clearly explaining the cover limits, excesses and exclusions, particularly for public liability, professional indemnity or business interruption. Check that the sums insured reflect your stock, equipment, turnover and potential rebuilding costs, as underestimating them could affect how a claim is assessed. Avoid giving incomplete or inaccurate information about your work, premises or employees, and read any conditions about security, record-keeping and risk management. Before buying, check the provider or broker is FCA-authorised and consider asking a regulated insurance professional to explain anything unclear.