Get the right business insurance without paying for what you don't need

Help me prepare for buying or renewing business insurance.

What I do: [trade or service]
Where I work: [my premises, customers' homes, online, events]
Staff: [none, or how many]
Equipment, stock and vehicles: [list with rough values]
Past claims: [any]

First ask me up to 5 short questions. Wait for my answers.

Then:
1. The kinds of cover worth discussing for a business like mine, each with one line on what it's for.
2. Which cover GOV.UK says employers must have, with the link.
3. An equipment and stock list template with replacement values.
4. Twelve questions to ask a broker or insurer, including exclusions and excess.
5. A renewal reminder plan.

Not insurance advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English.

For GOV.UK employers' liability insurance page, use web search and name the page you used. If it doesn't search on its own, open View all tools and choose Search.

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