Insurance for small businesses
Property, liability, cyber, interruption, employee, key-person, and directors’ cover.
A small business should first meet statutory employee obligations, then insure catastrophic liability, premises and property, business continuity, cyber and data, and key people — matching cover to industry, turnover, contracts, and data exposure.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Use a licensed broker for commercial, professional, or multinational risks that packaged products do not fit.
Review due: 2026-10-30
Key points
- Statutory employee schemes come before optional commercial cover.
- Catastrophic third-party and product liability rank high.
- Cyber, business interruption, and key-person cover fit continuity risk.
- Cover must match contracts customers and lenders require.
Insure in priority order
Cover statutory employee obligations, then catastrophic liability, premises and property, business continuity, cyber and data, key people, and finally risks required by customer contracts or lenders. A broker helps for bespoke or multinational exposure.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.