- Employers' Liability is legally required with £5m minimum limit
- PI limits are usually driven by client-contract requirements
- Sum-insured values must be current — otherwise payouts are reduced
- Cyber insurers now expect MFA and endpoint controls as a minimum
Start with statutory cover
Employers' Liability is legally required as soon as you employ anyone in the UK, with a minimum £5m limit (£10m is standard).
Add the covers your clients demand
Consultants and agencies are usually asked for £1m–£5m Professional Indemnity. Trades and public-facing businesses are asked for £2m–£5m Public Liability. Check every client contract before you buy.
Protect what you own
Buildings, contents, stock and business-interruption cover keep you trading after a fire, flood or theft. Sum-insured values must be current — under-insurance triggers proportional payouts.
Cyber cover
Modern policies bundle incident response, ransomware payment, business interruption and third-party liability. Insurers now expect MFA, backups and endpoint protection to already be in place.
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