.fa-secondary{opacity:.4} Compare Business Insurance Quotes Business Insurance from £8.03 per month Save an average of 12% on your Business Insurance Guided support & honest recommendations What type of insurance are you looking for? Business Insurance That’s Tailored To Your Business As a business owner, you’ll know that there are many risks that your business may face, which is why having the right insurance package is vital. With The Insurance Octopus, you can be sure that you’ve got an insurance package that’s tailored to the specific needs of your business, as we design bespoke insurance policies for each of our clients. From restaurants and coffee shops to beauty salons and hospitality venues, there are many different things that need to be covered, so we tailor our packages to offer comprehensive cover against your industry’s biggest threats. If you’re struggling to find the right policy for your business, simply get in touch with one of our experts – our specialist team has extensive knowledge that covers every industry, so we’ll be able to personalise your package to tailor to your every need. Getting a quote doesn’t have to be time-consuming, which is why we’ve ensured that our process is as streamlined as possible, giving you the coverage you need at a price you can afford, without any hassle. All you need to do is fill in our handy form or request a call back from our team – they’ll be able to handle things from there! Don’t worry about administration fees either; at The Insurance Octopus, we’ll never charge for mid-term adjustments. What’s included in a Business Insurance package? Public Liability Insurance The welfare of your customers is one of the most important considerations that you’ll ever have to make; one mistake could be incredibly costly, so make sure you’re prepared with our comprehensive public liability cover, which ranges from £1m to £5m. Employers’ Liability Insurance Much like your customers, your staff are your responsibility too. If an employee becomes unwell or is injured in their line of work, it’s crucial that you have the right insurance policies in place to protect you from costly damages. Inventory Damage Insurance Where would your business be without its stock? Chances are, there wouldn’t be much of a business left to run. With your inventory being so important to your business, make sure it’s covered with a comprehensive inventory damage insurance plan. Cyber Theft Insurance If you operate in the digital landscape, you simply must have a robust cybersecurity plan in place. Complement your cyber protocols with a cyber theft insurance policy to ensure that successful hacks won’t delete your business. Bespoke Business Insurance There’s nothing quite like running your own business is there? The personal fulfilment that comes with doing something you love, with people whose collective aim is to make your business a success sure is a great feeling. And what about the independence and flexibility that comes with working for yourself? You get to decide which products you sell, which services are worthwhile and how to meet changing customer demands through business insight and expertise. And when you have that perfect combination of talented staff, great work ethic and products and services that truly meet customer needs, then you know that you’re onto a winner. But sometimes life throws curveballs at winners, and you must be prepared for the consequences if you don’t have a suitable Business Insurance policy in place. A Business Insurance policy from The Insurance Octopus ensures a unique approach to your insurance cover. Allowing you to pick and choose from cover including Public Liability, Employers’ Liability, Business Building Insurance and Business Interruption Insurance, you also gain the added bonus of an insurance broker with a breadth of experience. From Hair & Beauty Insurance, Restaurant Insurance and Hotel Insurance through to Pub Insurance, Office Insurance, Shop Insurance and more, we have a superb range of Business Insurance policies that can keep your company safe, and your business protected. If you’re in need of a Business Insurance policy and a Business Insurance quote that takes your requirements into account, and provides savings and discounts that you’ll love, then please get in touch with our insurance team today on 0161 968 2060. Get a quote INSURANCE COVER OPTIONS Popular insurance covers for your business Tradesman Protect your tools and equipment, and keep your business safe. Get a quote Shop Insurance Cover your stock and contents, without having to shop around for policies. Get a quote Professional Indemnity Insurance Protect yourself from claims of professional negligence, and keep your reputation intact. Get a quote Pub, Restaurant & Takeaway Insurance Service is everything in your industry, and we pride ourselves on providing you with a great one too. Get a quote Landlord Insurance Your property portfolio needs protecting, and we can cover it with a suitable policy. Get a quote Hotel and Guesthouse Insurance Keep your customers, staff and contents safe, and your business protected. Get a quote Hair & Beauty Insurance Protect your staff, customers and business with protection styled with yours in mind. Get a quote Office Insurance Keep your equipment, premises and staff safe with a suitable policy in place. Get a quote Other covers available Business Insurance Commercial Property Insurance Hair & Beauty Insurance Hospitality Insurance Internet Traders Insurance Office Insurance Landlord Insurance Professional Indemnity Insurance Shop Insurance Tradesman Insurance Cyber Insurance What Is Business Insurance? Business Insurance provides your business – whether that’s a restaurant, pub, hotel or shop – with a secure way to protect itself and the businesses it interacts with from financial risks, such as property damage, stock damage, business interruption and public liability, among other financial risks. Regardless of whether you own a small business, restaurant chain, expanding hospitality business or are just getting your tradesman business started, Business Insurance can give your business financial and legal support when it comes to compensation claims, court cases and any Business Insurance costs and outlays. The great thing about Business Insurance is that it’s made up of a range of insurance cover, such as: Employers’ Liability Insurance, Product Liability Insurance, Public Liability Insurance and Business Equipment Cover, as well as Professional Indemnity Insurance and Business Building Insurance. Specialist Business Insurance cover can also be included, such as Cyber Insurance and Data Risk Protection, depending on what’s specified in your insurance policy and the needs of your business. For example, within a Hair & Beauty Insurance policy, you may need Business Insurance cover for Treatment Liability Insurance. At The Insurance Octopus, we help all types of businesses find the most suitable Business Insurance quote and Business Insurance policy for them, so that business risks are reduced as well as legal liability. So whether you’re in need of Restaurant Insurance, Hotel Insurance, Shop Insurance or Landlord Insurance, please don’t hesitate to get in touch with us today on 0161 968 2060 for a Business Insurance quote that will keep you covered, and your business protected. Get a Quote Business Hazards & How To Manage Them We know that owning your own business can be a business in itself – through all the highs and lows, wins and failures, there’s lessons to learn and ways to improve business practices. Wouldn’t it be wonderful if as business owners and managers, we always knew what was around the corner, and how to navigate business complexities with certain success? That would be fantastic. Unfortunately, life isn’t so straightforward, and business hazards can occur at any moment. Sometimes beyond our control, these business hazards need to be suitably prepared for – even if that simply means taking out a Business Insurance policy that covers the unexpected. At The Insurance Octopus, we know that the business hazards facing tradesmen, beauticians and shop owners differ to those of restaurant managers, pub owners and office managers, but the following section outlines business hazards to be aware of, and how to effectively manage them. Slips, Trips & Falls Working from heights within construction. Spilt liquid in a restaurant, pub or hotel. Loose wiring in an office. These all present hazards and unsafe work areas, and are all causes of slips, trips and falls within a workplace, and possibly Public Liability and Employers Liability claims. It is your responsibility to minimise any slips, trips and falls, so you should ensure employees are fitted with the correct safety equipment if they are working at height, put signs up where spills have occurred to alert any passers-by and customers, remove any obstruction that could cause somebody to trip, and install safety matting in particularly hazardous areas. Inventory Damage & Stock Damage Flooding, fires and storms are one thing – vandalism and intentional damage is another. Natural disasters and human intervention can truly take their toll on your business premises, your stock and contents – greatly hindering business activity. All restaurant owners, pub owners, and hoteliers, as well as cafe shop and cafe managers know how time-sensitive food is, and how power outages can result in product losses, especially those that need to be refrigerated. And if your business relies on products that get damaged during burglaries, or tools that get stolen which pushes back projects, then you know how important protecting your inventory, stock and tools are. Along with suitable security measures, Business Insurance that covers you for this can ensure you’re compensated, and can replace the losses you incur. Cyber Attacks & Data Breaches According to the government’s, ‘Cyber Security Breaches Survey 2019’, 32% of businesses and 22% of charities cited that they had experienced cyber security breaches or attacks that year, and that among these organisations, the most common attacks were phishing emails, others impersonating their organisation online, viruses or other malware, including ransomware. But cybercriminals can target your shop, hotel or office in other ways. A distributed denial of service (DDoS) attack could interfere with the server your website runs on, preventing customers from purchasing items, booking a room or engaging with your business – preventing new customers and clients from contacting you. Hacks into your point-of-sale (PoS) systems limit your ability to trade, especially if clients have no cash on them. To prevent cyber attacks, encrypting data and adding multiple layers of authentication are a start, as is installing antivirus software. Cyber cover is a whole other level, and is a key Business Insurance policy that we can provide here at The Insurance Octopus. Along with business interruption, moving objects, electricity and power tools, there are a range of risks that you, as a business owner, should prepare for. Coronavirus Regardless of whether you run a shop, restaurant, hotel or manage an office, your operations will have been impacted by COVID-19 safety measures. We’ve all had to adjust to ensure the health and safety of our staff and clientele, but this is a small price to pay when we consider all those that have had to close down. There are government guidelines to follow when it comes to shops, hotels, pubs and restaurants – as well as offices and commercial businesses – and these include the, ’Working safely during COVID-19 in shops and branches’ guidelines, UK Hospitality guidelines and Food Standard Authority’s guidelines. Here we outline some of the key COVID-19 safety measures mentioned within the guidelines above to help prevent the spread of coronavirus with the aim of keeping your customers, clients and team members safe: To maintain 2m social distancing wherever possible, including while arriving at and departing from work, while in work and when travelling between sites. Social distancing applies to all parts of your business, not just the places where people spend most of their time, but also entrances and exits, break rooms, canteens and similar settings. Using signs and posters to build awareness of good handwashing technique, the need to increase hand washing frequency, avoid touching your face and to cough or sneeze into a tissue which is binned safely, or into your arm if a tissue is not available. Carrying out a full site assessment to determine if you can undertake a thorough clean or if a professional deep clean is needed for your restaurant, shop, office, pub or hotel. Use PPE (personal protective equipment) when it comes to the handling and making of food, which includes gloves and face masks. Regular cleaning of objects and surfaces that are touched regularly, including self-checkouts, trolleys, coffee machines, betting machines or staff handheld devices, and making sure there are adequate disposal arrangements for cleaning products. We suggest you read the COVID-19 government guidelines yourself for your business and industry. The businesses that could benefit from Business Insurance At The Insurance Octopus, we pride ourselves on providing our clients with a range of Business Insurance policies, allowing them to pick and choose the most suitable for their business. We know that the needs of a tradesman vastly differ from those of a tanning salon, restaurant and shop, and therefore, we assess your business requirements appropriately. From bistros and B&Bs through to boutiques and budget hotels, our Business Insurance policies can cover all of this and more, and we can even provide cover for multiple businesses too, should you need us to. What follows is a selection of the business types we can cover under one of our Business Insurance policies: Hair & Beauty Restaurant & Takeaway Hotel & Bed & Breakfast Shop Commercial Combined Tradesmen Business Insurance FAQs How much does public liability insurance cost? What limit of cover should I choose? What kind of claims does public liability insurance cover against? Is product liability a legal requirement? What level of product liability cover do I need? What does Business Insurance cover? At The Insurance Octopus, we can provide Business Insurance quotes and Business Insurance policies to clients from a range of sectors – such as hair & beauty, construction, pubs, hotels and restaurants, as well as cater to the Business Insurance needs of offices. We’ve built up strong relationships with a whole host of reputable UK insurers, and therefore can negotiate Business Insurance policies and prices on your behalf. Whether you’re in need of Hotel Insurance, Pub Insurance, Restaurant Insurance or Office Insurance, we can help, and will do our utmost to provide you with the most suitable Business Insurance quote and Business Insurance policy. Our knowledge of the Business Insurance market is extensive, and this aids our discussions with those top-rated insurers. With guided support and honest recommendations, we’ll help you to create the perfect Business Insurance policy for you. With The Insurance Octopus, you have nothing to lose, but without us, you could lose everything. Restaurant Insurance Professional Indemnity Insurance Hair & Beauty Insurance Hotel Insurance Pub Insurance Office Insurance Shop Insurance Tradesman Insurance Business Professional Insurance Commercial Combined Insurance Choosing The Correct Business Insurance For Your Business How To Make A Claim Business Insurance Benefits When do you need business insurance? How much is business insurance? How to get business insurance? What is business interruption insurance? Why is business insurance important? What is business liability insurance? Is business insurance a legal requirement? Business licenses - do I need one before taking out a policy? What are the different types of business insurance? How to get a business insurance quote? Why Choose The Insurance Octopus Improving Security At Your Business Premises Get in touch today Be prepared for any unexpected and insured event with Business Insurance from The Insurance Octopus. From Pub Insurance, Office Insurance and Hotel Insurance through to Restaurant Insurance, Tradesman Insurance and Hair & Beauty Insurance, we have everything you need to keep your business covered. Please contact us today on 0161 968 2060 for more information and your business insurance quote. Get a quote INSURANCE KNOW HOW Making business insurance easier to understand The ultimate small business checklist to help protect against cyber threats Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However... What it means The top 10 Cyber Insurance claim types Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend... What it means How much does cyber insurance cost? Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ... What it means Get to grips with Under-insurance & The Insurance Act Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u... What it means Insurance Basics Good To Know Under-insurance Tradesman Insurance FAQs Retail & Shop Insurance FAQs Professional Indemnity Insurance FAQs Landlord Insurance FAQs Hospitality Insurance FAQs Business Insurance FAQs BUSINESS INSURANCE BLOG For all the things business & insurance How To Improve Your Shop Security November 24, 2021 As an owner of a coffee shop, florist, takeaway or newsagent, your aim is t... 7 Most Common Cyber-attacks Explained November 3, 2021 For all the convenience the internet provides, it’s also a very dangerous... Cybersecurity Best Practices for an e-Commerce Website September 29, 2021 Recent decades have seen tremendous growth in online activities, including ... Helen Bush Named Director at The Insurance Octopus September 14, 2021 Leading commercial insurance broker, The Insurance Octopus, has appointed H... Business Insurance Insurance Jargon Landlords Insurance Marketing and Advertising News & Views Retail & Shop Insurance Retail & Shop Insurance Uncategorized Professional Indemnity All Tradesman & Contractors Insurance Frequently Asked Questions Hair & Beauty Cyber Insurance The Insurance Octopus is a trading name of TBO Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 498555. You may check this on the financial services register by visiting the FCA’s website, https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. Registered address: No. 1 Dovecote, Old Hall Road, Cheshire, Sale, M33 2GS. 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