If you are renting commercial office space, you may be liable for any damages you cause to the building. This insurance will cover you for such damage, up to an agreed maximum sum.
If you use computers or expensive equipment for your work then this insurance will cover you for theft or accidental damage to these items, whether you work from home or in a office.
Unexpected disasters, such as a fire or flood, can force your business to close while everything is fixed. Business Interruption insurance covers the loss of income while you can't trade.
This insurance covers you and your employees against any accidents or injuries that happen either at work or outside work. In the event of such an accident you will receive a lump sum payment.
This insurance covers you for the costs of legal disputes with suppliers, neighbours, staff, or even the government's tax office (including IR35 inquiries), provided that you have not acted illegally.
Directors & Officers
If you have set up a limited company with directors then this insurance provides extra protection for them, in case they make a mistake while performing their obligations and fiduciary duties as directors.