Start by listing your business activities, staff, premises, equipment, stock and the risks you could face, then check any legal requirements, such as employers’ liability insurance where applicable. Consider covers including public liability, professional indemnity, buildings and contents, commercial vehicles, cyber insurance and business interruption, choosing only those relevant to your circumstances. Obtain quotes from FCA-authorised insurers or brokers, compare exclusions, limits, excesses and policy conditions, and answer questions accurately. Read the policy documents carefully, keep evidence of your cover and review it when your business, turnover or staff numbers change.