We have chosen Everywhen as our trusted insurance provider for business insurance. As one of the leading UK insurance brokers, they provide specialist knowledge in business insurance and work with a panel of insurers to bring a range of different business insurance options for businesses of all sizes and sectors throughout the UK.

This depends on the nature of your business and its requirements. How big is it? Do you have employees? What sort of work does your business carry out? Every business carries its own risks - whether you're a sole trader working from a computer in your spare room to running a bustling office. Regardless of anything else, if you have employees, you are legally required to have employers' liability cover.

If you're not sure which cover is right for you, give Everywhen a shout on 0344 728 0219 and they will be happy to help.

The level of cover that's right for you can really vary from business to business. If you'd like a bit of help getting started, call 0344 728 0219 for guidance through the process.

Yes, you can get a simple, clear quote in less than five minutes for most of the products available. However, if your business is larger or has more specific needs, we recommend giving the Everywhen team a call on 0344 728 0219. If you’re ever unsure about what coverage is right for your business - no matter the size - they’re ready to help you every step of the way.

Full details of the policy cover, including features, benefits, policy excesses, conditions, warranties, limitations and exclusions applicable can be found in the documentation provided when you get a quote or take out a policy.

Business insurance costs vary depending on the nature of your business and your individual needs. That's why Everywhen offer flexible products - you decide what cover options are most suited to your business.

Your quote will consider how many employees you have, the nature of your work, and whether or not you've made previous claims.

Yes, you can spread the cost of your annual premium via Everywhen, who offer a quick and easy direct debit plan. If you choose to pay in instalments, you'll be paying under a Premium Finance plan. You'll receive full details of the finance provider and the additional cost of the finance when you get your payment plan quote. This includes the total amount repayable, the number of monthly instalments (and their cost), and the representative APR.

If your work interacts with the public or is performed in a public area, you’ll need Public Liability Insurance. It provides legal defence and compensation protection for you and your business, if a third party alleges accidental bodily injury, or damage to their property, caused by you when visiting your business premises, or when you are working in their home, office or business property. For example, if a customer slips on a wet floor in your business premises, or someone falls on some stairs because of a ripped carpet, your business could be liable because of its responsibility to provide a safe environment for the public.

Our trusted insurance provider can arrange cover for a wide range of professions, from tradespeople to cakemakers and lots in-between.

If you employ anyone, even just one person, Employers’ Liability Insurance is a legal requirement in the UK. It protects your business by covering compensation costs and legal fees if an employee (or ex-employee) claims they’ve suffered illness or injury due to their work, whether it happened on-site or remotely.

Even former employees can make a claim if their condition is linked to their time working for you. That’s why this insurance is essential, not just for compliance, but for peace of mind.

Important to know:

• You must display your insurance certificate where staff can easily see it.
• The Health & Safety Executive (HSE) enforces this law and can fine you for every day you don’t have valid cover—an expense few small businesses can afford to risk.

Whether you run your business from home or a commercial property, if you have employees, this insurance isn’t optional, it’s the law.

Important to know:

• You must display your insurance certificate where staff can easily see it.
• The Health & Safety Executive (HSE) enforces this law and can fine you for every day you don’t have valid cover—an expense few small businesses can afford to risk.
  
  

Whether you run your business from home or a commercial property, if you have employees, this insurance isn’t optional, it’s the law.

Whilst not legally required, Professional Indemnity Insurance is considered vital for many businesses, especially those offering advice or professional services. Even if a claim against you proves unfounded, the process can be time consuming and expensive. Professional Indemnity cover steps in from the start, covering legal defence costs and, if necessary, compensation awarded due to wrongful advice where the claim is covered by the policy. It’s designed to protect your reputation, your finances, and your peace of mind. Many professional bodies and trade organisations also require minimum levels of indemnity insurance as part of their membership or authorisation criteria, making it not just smart, but often essential.

If your business makes products available to the public, whether you're a manufacturer, supplier, distributor, or retailer, you could be held responsible for injury or damage caused by a faulty item. That’s why having Product Liability Insurance is so important. It helps cover legal costs and compensation claims, protecting your business from potentially devastating financial consequences. Whether you sell online, in-store, or through third parties, this cover can provide peace of mind if something goes wrong.