Frequently asked questions

Whether you’re curious about how our insurance works, what it covers, or how to get started, this page is here to provide clarity and guidance. If you don’t see your question listed, feel free to contact us directly—we’re here to help!

When people let their rooms or rent their assets, they are exposed to risk. The tenant or borrower may damage goods or property. There is also a risk that someone could injure themselves while in a rented room or using a borrowed item, in which case the owner could be at risk of being sued for medical expenses or damages. This risk is called liability. In addition, for self employed freelancers or contractors, there is a danger that a dissatisfied client will sue because they think that the work wasn’t good enough. Insurance that protects against this is called professional indemnity, and it covers the cost of any legal bills that arise as a result.

The insurance premium is the cost of the insurance. It’s what you pay at the start of the policy, or via installments, and it is shown to you as part of the insurance quote to help you to decide whether or not to buy the policy.

A “claims made” policy will pay those claims that occur while the policy is active and in force. Any claims made while the policy is active will be fully covered, as long as they are reported in a timely manner.

When you take out an insurance policy you agree that the insurer will pay slightly less than the full cost of a claim. The excess (also known as a deductible) is the amount that is deducted from the claim, before the insurance policy pays the rest. Quite often you can choose the excess level but you need to make sure that you will be able to afford the excess if you need to claim.

For example, say you have office contents insurance with an excess of £250, and some office equipment valued at £1,500 is damaged. If you make a successful claim, the insurance will pay out £1,250, since that is the value of the lost goods minus the excess amount.

Professional indemnity insurance protects you if a client claims you made a mistake in your work that caused them financial loss. This could be giving wrong advice, delivering poor-quality services, or creating designs with errors.

It covers legal defence costs and any compensation you may need to pay, helping you avoid serious financial strain. This type of insurance is essential for professionals, freelancers, and contractors who provide advice, design, or specialist services.

Read more about this insurance.

Public liability insurance protects individuals and businesses against claims made by third parties for injury, property damage, or financial loss caused by business activities.

If a client, contractor, or member of the public is injured or their property is damaged because of your business, they may sue for compensation. Public liability insurance covers these costs, helping protect your finances and reputation.

Read more about this insurance.

Employer’s liability insurance protects businesses if an employee makes a claim for an injury or illness caused by their work. It covers legal costs and compensation payments, helping your business meet its obligations without facing financial hardship.

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Personal Accident Insurance provides financial protection if you’re injured in an accident and unable to work. It helps cover lost income and essential expenses, giving you peace of mind so you can focus on recovery instead of worrying about finances.

Office Buildings Insurance protects your business premises against damage caused by fire, floods, storms, theft, or other unexpected events.

By safeguarding one of your most valuable assets – your workplace – office buildings insurance provides peace of mind and allows you to focus on running your business.

Read more about this insurance.

Office Contents Insurance protects your business equipment and office property against theft, damage, or loss – whether it happens on your premises, at home, or while travelling. It covers essential items like laptops, computers, phones, furniture, and other business equipment you rely on daily.

Read more about this insurance.

Business Interruption Insurance protects your business if you’re forced to close or pause operations due to unexpected events, such as fire, flood, supply chain issues, or restricted access to your premises.

Read more about this insurance.

Cyber insurance protects businesses from financial loss, legal costs, and reputational damage caused by cyberattacks, hacking, or data breaches.

Read more about this insurance.

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However, if your unsure or need guidance on a wider range of policy options:

Call us: 020 7846 0108

9am to 5pm Monday to Friday.

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