Most small businesses should consider insurance, even if they operate from home or have few employees, because claims, theft or accidental damage can be costly. Employers’ liability insurance is generally required if you employ staff, while motor insurance is required for vehicles used on public roads; exceptions and specific circumstances can apply. Public liability, professional indemnity, buildings, contents or business interruption cover may also be suitable depending on your work, premises, contracts and risks. Check the requirements for your business with an FCA-authorised provider and, for current legal rules, the relevant gov.uk guidance.