Small business insurance in the UK in 2026 may include public liability, employers’ liability, professional indemnity, business equipment, stock, vehicle and business interruption cover, depending on how your business operates. Employers’ liability insurance is generally required if you employ staff, although specific exemptions can apply, so check the latest guidance on GOV.UK. Consider cyber insurance if you store customer data or rely heavily on digital systems, and check policy limits, exclusions and excesses carefully. An FCA-authorised insurance provider or broker can help you compare suitable options for your circumstances.