Business protection answers
Business Insurance FAQs
Clear starting points for employers liability, public liability, business interruption and cyber exposures.
Each card below contains a short summary rather than repeating the complete answer. Open the dedicated FAQ page for the full explanation, related distinctions and links to supporting guidance.
Do employers need employers liability insurance?
An overview of worker relationships, limited exemptions, certificates and the records businesses should keep.
Read the full answer →Does business insurance cover cyber incidents?
How dedicated cyber protection, incident-response services and security controls differ from ordinary property or liability cover.
Read the full answer →What does public liability insurance cover?
The distinction between third-party injury or damage and exposures that may belong under employer, product or professional cover.
Read the full answer →What is business interruption insurance?
A plain-English introduction to financial loss, triggering damage, recovery periods and the importance of the selected accounting basis.
Read the full answer →Focused commercial insurance guidance
Use these FAQs as a starting point
Business insurance can involve several types of cover. The right mix depends on what the business does, who it employs and what it owns.
These answers explain common terms in plain English. They are general guidance, so the final policy wording and limits still need to match the business.
- Start with the question that fits your risk.
- Check any legal insurance duties.
- Read exclusions and conditions carefully.
- Ask for help if a term is unclear.
A short question can often reveal a much wider insurance issue.