Ask which risks and activities the policy covers, including public liability, employers’ liability, professional indemnity, stock, equipment and business interruption where relevant. Check the cover limits, excesses, exclusions and any conditions, such as security requirements or notifying the insurer about changes to your business. Ask whether your employees, contractors, premises, vehicles and work carried out away from your usual location are included. Compare the answers and read the full policy wording before choosing an FCA-authorised provider, checking with a regulated insurance adviser if your needs are complex.