What business insurance do I need? (Flowchart Infographic)

Confused about where to start with your business insurance? Follow the flowchart in our infographic, to help you get an idea of what types of insurance products you’ll want to think about.

<p style="text-align:center;">
<img title="What business insurance do I need? (Flowchart Infographic)" src="https://www.ashburnham-insurance.co.uk/wordpress/media/what-business-insurance-do-i-need-infographic.png" alt="What business insurance do I need? (Flowchart Infographic)" />
Infographic by <a title="Ashburnham Insurance Services" href="https://www.ashburnham-insurance.co.uk">Ashburnham Insurance</a></p>

Please credit www.ashburnham-insurance.co.uk if you wish to use this image on your own blog or website!

Text Version:

What business insurance do I need?

1) Where do you work?

• At Home (in a residential property)
  • Go to Question 2
• In a commercial property
  • Go to Question 4

2) Do you have buildings insurance?

• Yes
  • You may be able to combine your existing home insurance and your business cover to protect your home and business.
  • Go to Question 3
• No
  • If you have a home office where you conduct business, you could get a tailored buildings insurance to cover both your home and your home office.
  • Go to Question 3

3) Do you have contents insurance?

• Yes
  • Contact your insurer to extend your cover to include business equipment and inventory.
  • Go to question 6
• No
  • Consider contents insurance to cover your business equipment and inventory.
  • Go to question 6

4) Is it a shop?

• Yes
  • Shop Insurance
  • Go to Question 6
• No
  • Go to Question 5

5) Is it an office?

• Yes
  • Office Insurance
  • Go to Question 6
• No
  • General Commercial Property Insurance
  • Go to Question 6

6) Do you have any employees?

• Yes
  • Go to Question 7
• No
  • Go to Question 8

7) Are they immediate family? (e.g. partner, brother, sister, child)

• Yes
  • Employers Liability Insurance is not needed
  • Go to Question 8
• No
  • Employers Liability Insurance is legally required
  • Go to Question 8

8) Do you interact with clients, customers, and/or members of the general public in person?

• Yes
  • Public Liability Insurance
  • Go to Question 9
• No
  • Go to Question 9

9) Do you provide advice or a specialist service to paying customers and/or clients?

• Yes
  • Professional Indemnity Insurance
  • Go to Question 10
• No
  • Go to Question 10

10) Do you drive a vehicle for business?

• Yes
  • Commercial Vehicle Insurance
  • Go to Question 11
• No
  • Go to Question 11

11) Do you have tools that you use for work?

• Yes
  • Tools Cover
• No
  • No Tools Cover necessary

You’re all done! Grab yourself a coffee, and then give us a call!

Call FREE on 0800 169137

We can talk to you about your specific requirements and find the perfect solution for your business.