Business insurance for the first time

New to insurance? We’ll help you start strong

Buying business insurance for the first time can feel like a maze. Whether you’re a start-up or an established business getting insured for the first time, we’ll guide you through it – simply, clearly and without the jargon or pressure.

New territory. Big questions.

Maybe you’ve just launched. Maybe you’ve been running for years but never needed cover – until now.

Whatever your situation, sorting your first insurance can raise a lot of questions. What do you really need? How do you avoid overpaying or missing something crucial?

If you’re feeling unsure, overwhelmed, or like this bit wasn’t in the business handbook … you’re not alone.

That’s exactly what we’re here for.

The essential first policies

These are the policies we most often recommend to insurance first-timers, depending on your setup:

Person with speech bubble on a computer screen

Professional indemnity (PI)

Covers you if a client claims your advice or service caused them a loss.

Padlock with connected network nodes

Cyber insurance

Vital if you store or handle any customer data, or if you rely on the internet to run your business.

Document with a tick mark

D&O

Shields you from personal liability in case of legal action.

Hands holding a glowing light bulb

IP protection

Important if your product or brand is your most valuable asset.

House with a padlock

Public liability

A must-have if clients visit your space or you go on-site.

Not sure what applies to you? Let’s review it together.

Why businesses new to insurance trust us

We don’t expect you to know it all – that’s our job.

You’ll get clear, actionable advice and a dedicated contact who’ll walk you through everything. 

Need to move fast for an investor pitch or funding round? We’ll help you hit the deadline. 

Worried about compliance clauses in a new contract? We’ve got your back. It’s insurance that works for your business, not someone else’s.

Tailored coverage minus the hassle

Five years into their journey, a client came to us with some cover already in place, but no PI or Cyber, which had become critical to how their business was evolving.

They operate in both fitness and software, so at first glance, we expected they’d need multiple policies to reflect the different risks.

Instead, we restructured their programme, added the protection they needed, and placed all of the cover with a single insurer, simplifying everything and removing the hassle of juggling multiple providers.

One conversation, one insurer, full peace of mind.

Need answers? Start here

Our Insights page is packed with practical advice – from choosing the right cover to avoiding underinsurance. It’s the smart first step before making any big decisions.

Industry news

Opinion pieces

Press releases

Let’s check your cover

Even a small gap in protection can cost you big. Let’s review your insurance together – no pressure, no jargon, just honest advice.

What our customers say