/ Business
What insurance does a small UK business need?
Public liability for anyone dealing with the public, professional indemnity for advice-based work, employers' liability if you have staff (legally required).
/ 01
The short version
Insurance is cheap relative to the thing it protects against. Check what your contracts require.
/ 02
What actually matters
- • Public liability: injury or damage to third parties.
- • Professional indemnity: negligent advice or work.
- • Employers' liability: legally required with any employee.
- • Cyber and data cover if you hold customer data.
- • Tools, stock and vehicle cover as applicable.
/ 03
The bit most people get wrong
Many client contracts and tenders specify minimum cover levels. Check before you quote, not after you win.
/ 04
What to do next
Check your current cover against what your biggest client's contract actually requires.
/ 05
Where RIOT fits in
We're a small Colchester studio helping UK SMBs get business insurance right without agency waste or freelancer flake. If you've read this far and you want a second opinion on your specific setup, book a 20-minute call and we'll tell you honestly whether it's worth doing anything at all.
We work with clients across Essex, Suffolk, London and the wider UK — and remotely with brands abroad. No lock-in, no monthly retainer minimums, no pretending your problem is bigger than it is.
/ FAQs
Common questions
How much cover do I need?
£1m–£5m public liability is typical.
Is it tax deductible?
Business insurance is generally an allowable expense.
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