Starts as low as £50, but the nature of your work plays a massive role - especially if you work with dangerous equipment or hazardous materials. And of course, the bigger your headcount, the more cover you need.

A homeworking employee is injured at home while on work time, but you haven’t completed an HSE workplace assessment. While the courts may say that you aren’t responsible for the accident, you’re likely to face significant legal fees to defend the claim.

Depends on your line of work. For some trades, cover can start as little as £50-£60.

Your employees are walking around your 3PL site, and accidentally pull over some racking full of another business’ stock. This insurance will cover the costs of damages and replacement.

Depends on the product, but usually costs are in the hundreds. This gets a little complicated when they’re being sold to international markets, and the costs can increase.

Your online marketplace provides third-party products, one of which has a fault that seriously burns a customer. While you may be able to get the manufacturer or supplier to accept responsibility, you’ll likely face significant legal fees to defend the claim.

Policies typically start at around £500. This can change though, depending on the type of service you offer and who you’re working for.

The IT system you built or provided for a client isn’t working as they thought it would. There’s now wide-scale financial and operational disruption. They’re pointing their fingers at you and threatening legal action. This cover protects against that.

For smaller businesses, you’re looking at £300-£400. In the US, though, it can get much steeper. Cover including the US can send D&O costs into the thousands.

Either you or a director has made a misleading public statement. D&O can protect against any issues this causes to your business as well as accusations of negligence.

It can range from £300 to four figures. What causes the increase? The controls you have in the business, the amount of data you’ve got, and the type of data it is.

Hackers steal your clients’ information. They threaten to post it publicly. You call your insurers who immediately fix the vulnerability. An investigation is launched to see if sensitive data was actually compromised. It wasn’t, so you don’t pay the ransom. Your insurer then lets anyone affected know. All of this, and any fines, are covered by the policy.

The monthly cost per person varies between £10 and £150, depending on their health and circumstances. If you only take out life cover, you’re looking at £10-£50.

Your co-founder signs off on long-term sick leave after being diagnosed with a serious condition. Without them, you can’t maintain growth and start losing money. This cover provides you with a cash injection to keep you afloat.

Start with your product’s ‘insured value’ (its invoice value, plus the cost of freight, plus 10%). Then multiply that number by the policy rate. As a bit of a benchmark, this could be between 1% and 5% of your total sums insured.

You have a large shipment of products coming from the Far East. While in transit, the container is damaged and you lose all the stock within it. The policy covers the costs of the damaged items so you don’t take the hit.

Depends what you’re covering. You could be looking at £50-£100 for some staff computers, or a few thousand for stock held in a 3PL or office warehouse

There’s been a break-in at your office. A window’s been smashed, chairs have been broken, and your laptops are gone. This cover means you can replace the stolen computers and damaged equipment, and keep trading.

Cost is normally tied to your gross revenue, typically growing in line with your business. That means it could run anywhere from £50 (as part of a commercial policy) into the thousands (as a standalone policy)

There’s a fire at your rented premises and you lose all your essential IT equipment. Thanks to the ‘Increased Cost of Working’ part of your policy, you can replace your tech and sign another office lease.

Policies typically start at around £250, but this figure can vary depending on the destination, number of people, their age, the length and frequency of trips, and any activities involved – like adventure sports.

You and your team have arrived safely at your destination, but your luggage – including a mixture of personal belongings and company equipment – hasn’t. This cover protects you on all fronts, paying a small sum to replace essential items.