Business insurance that makes sense
Have you got the right cover for your business? Whether you’re a sole trader, contractor or running your own company, you’ll have peace of mind your business is protected
Scroll through the banners below to discover how our FSB Insurance Service can support your business
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Policyholder or not, you can call our free insurance advice line for support and guidance from a leading insurance expert.
Free Business Continuity Planning kit
From localised flooding to accidental damage or even a pandemic, prepare for the unexpected and build your business’ resilience with a free BCP kit and discounted service. This helps you keep your business running in ways insurance might not be able to help with, and means you have a plan for how your business can continue trading in difficult circumstances with minimal down time.
Speak to a specialist
Answers are just a phone call away. If you’re looking to take out new insurance or revise your existing policy, we can help and our phone lines are open 9am to 5.30pm Monday to Friday.
Members get more
You’ll find exclusive, innovative insurance products and enhancements added regularly, just for small business owners like you.
Making insurance simple
Our experts explain insurance jargon, help you to understand your legal requirements and can advise you on how you could save money on premiums with risk management efforts.
Your business comes first
Can’t remember when you last updated your insurance? Our zero-based insurance policy review service gives you the confidence that you’ve got the right cover for what you do.
Never forget another renewal
Let us know when your policy is up for renewal and we’ll remind you closer to the time to save you the stress. One less date for your busy diary.
Keep yourself compliant
Get the right insurance for your business needs and sector, including legal requirements like employers’ liability insurance and motor trade insurance.
For every stage of your journey
Whether you’re just starting out as self-employed, or you’ve been in business for years, access insurance advice, news and guidance every step of the way.
FSB Insurance Service Limited is authorised and regulated by the Financial Conduct Authority (FCA Registration No: 788654 ) Registered Office: 20 Fenchurch Street, London, United Kingdom, EC3M 3AZ. Company Number: 10831430
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There are many different types of business insurance you can buy to improve your business resilience, but you may have some that you are legally or contractually obligated to hold.
If you own a car, for example, commercial motor insurance is a legal requirement.
If you have any employees or volunteers, employers’ liability insurance is a legal requirement. It covers your legal responsibility for your employees, and in the event of a claim, employers’ liability will cover the cost of legal expenses (depending on your policy) and the claim amount.
Before setting up or reviewing your business insurance, it’s important that you know the key information about your business, especially if you’ve made changes to your operations recently.
We’ll take you through all of this and the definitions of various insurance ‘jargon’ to make sure you understand and are confident in your business’ requirements and covers.
If you’re an FSB member, you can call our free insurance advice line for advice and guidance, and when you register you will be provided with a free “Easy Guide to Business Insurance” which includes:
- An introduction to different liabilities, protecting you from suffering financially if a claim is made against you if you are found to be responsible and/or as a result of negligence (Public, Product and Employers’)
- Professional Indemnity and who might need it
Public liability insurance.
One of the most common types of business insurance, public liability covers your responsibility to third parties. Similar to employers’ liability, it protects you from suffering financially if a claim is made against you or your business in respect of loss or damage to third party property or people as result of your negligent acts. Additionally, if you believe a claim is fraudulent your insurer will help to make sure it’s investigated.
Product liability insurance.
This covers liability for loss, damage or injury caused by a product you have manufactured, installed, supplied or maintained. If you handle products and or repairs it is important to make sure that you are covered in case a product handled by you causes loss, damage or injury.
Professional indemnity insurance.
If a mistake you make in your work whilst advising a client causes a financial loss to a client, professional indemnity will help you cover any costs or claims made against you. Professional indemnity won’t cover you doing a bad job or for ‘faulty workmanship’. If you install a boiler that isn’t fitted properly and it causes a gas leak, this will not be covered by professional indemnity insurance.
Latest resources from FSB Insurance Service
Find out how you can get the best deal on your business insurance without compromising on protection for your small business, with five top tips for reducing your insurance premiums.
Join our panel of FSB staff as we discuss how to make the most of the many FSB benefits, from debt recovery and funding, to care and legal support.
Running a small team? Find out why Employers’ Liability insurance is a must-have, what it covers, and who it applies to, with top tips from our business insurance experts.
Join the Federation of Small Businesses today