Business Insurance Basics: What Every Small Business and Freelancer Needs
An online session covering the essential insurance covers for small businesses and freelancers — public liability, professional indemnity, employer's liability, and business interruption. Practical, jargon-free, and open Q&A.
About this session
Business insurance is confusing because different covers protect against different types of claim — and the right combination depends entirely on what your business does. This session cuts through the jargon, explains each cover type clearly, and helps you understand which ones your business actually needs.
Pre-reading: our business liability article, our business interruption guide, and our PL vs PI comparison.
Session agenda
| Time | Item |
|---|---|
| 18:00 | Welcome and session overview |
| 18:05 | The three business liability covers — PL, EL, and PI explained |
| 18:30 | Business interruption insurance — what it covers and what triggers it |
| 18:50 | Do you actually need all of these? Mapping covers to business type |
| 19:05 | Reading a business insurance quote — what to check beyond the premium |
| 19:15 | Live Q&A |
| 19:30 | Close |
Event FAQ
Frequently asked questions
- Yes. A significant portion of the session is aimed at sole traders and freelancers — particularly the professional indemnity and public liability sections. If you provide professional advice, design, or consulting services, PI is likely essential regardless of business size. See our business liability article.
- Yes. Registration is free. A recording is sent to all registered attendees within 48 hours.
- Cyber insurance is mentioned as a growing consideration for small businesses, but is not the focus of this session. See our existing cyber insurance article for background.
- Yes. The session includes guidance on choosing an appropriate PL limit based on your business activities, client contracts, and the nature of your work. See liability limit for background.