As a small business, insurance might be the last thing on your to-do list. It’s costly, it’s…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why would I need Business Insurance?
Business Insurance FAQs
The majority of businesses are required by law to have employers liability insurance. Other forms of business insurance are optional, but the costs you incur if you don’t have insurance can be devastating. If you want to protect your business, you need business insurance.
Employers liability insurance is there to protect you against lawsuits from employees that are injured or sick as a result of working for your business. The legal costs and any compensation owed will be covered.
Public liability covers you in any situation where a member of the public tries to sue you. This could be due to injury at your premises but it could also be for damage caused to their property. Anybody that works at customer’s homes needs public liability to cover them in this situation.
No. A standard insurance policy will not cover the vehicle while it is being used for business purposes. If you want to be protected, you need a specific vehicular business insurance policy.
Although policies vary, commercial property insurance covers you for damage in the majority of cases. This includes deliberate damage by vandals as well as accidental damage from fire or floods.
If you provide a service to a client and they believe that the service fell short of your responsibilities and damaged their business in some way, they may take out a negligence claim. A prime example of this is an accountant that gives advice which later causes financial trouble for a business.Indemnity insurance also protects you against claims of libel and slander, data loss, and intellectual property disputes. Any business can be subject to these claims, so professional indemnity insurance is very important.
Business insurance offers a wide range of cover and each policy will be tailored to the specific business, so costs vary a lot.
At Livingstones Insurance, we are experts in helping businesses find the cheapest possible insurance coverage.
Benefits of Business Insurance
- Avoid fines for not having the right employers liability insurance
- Protect yourself against lawsuits from inside or outside the business
- Cover legal costs associated with negligence, libel and slander cases
- Avoid paying large bills for repairs to your business premises or business vehicles
- Keep insurance simple with one policy that covers everything
- Find low cost options for all of your business insurance needs
- Flexible payment options available
- Deal with reliable insurers
- Amazing customer service
- Use the simple claims process to get your business up and running in no time
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