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Making Insurance  crystal clear by finding the right insurance solutions for your business needs

Insurance for your business

Whether you have one vehicle or many, we can find the right insurance solution for your business.

Motor

How about we make a deal that we look after your insurance whilst you focus on growing your business?

Trades Person

We work with a large panel of insurers in order to find you the appropriate insurance at a good price.

Business Insurance

Insurance for your business

Employers Liability, Public Liability and Professional Indemnity cover for your business. We understand how to protect your business.

Liability Cover

Whether you have a Commercial Property or you are a residential Landlord, with Fuzzy you are in safe hands

Property

We cover all business insurance needs, and can top you up with additional insurance from Break Down to Contents cover

Add on & Extras

You're probably
wondering...

FAQ

  • What Insurance do I need?
    Our tradesman insurance policies are made up of different types of insurance cover, typically needed for your trade. The policy will ensure that you are insured for interactions with the public (Public Liability), other people's property, your tools and equipment. If you employ anyone, you will also need Employer's Liability Insurance.
  • What is Tradesman Insurance?
    Our tradesman insurance policies are made up of different types of insurance cover, typically needed for your trade. The policy will ensure that you are insured for interactions with the public (Public Liability), other people's property, your tools and equipment. If you employ anyone, you will also need Employer's Liability Insurance.
  • Public Liability Insurance
    Public Liability Insurance protects your business against accidental injury or property damage to a third party as a result of your action. For example if a ladder or scaffold collapsed and injured a member of the public, this insurance would help cover you against a claim.
  • Employers' Liability Insurance
    Employers' liability insurance protects you against work-related injury or illness claims from employees. If you have someone working for you, in your construction business, even in a temporary or voluntary role, it’s required by law. This insurance will help protect you from a claim from your employee, it will cover compensation and legal costs.
  • Contract Works Insurance
    This will ensure that the repair or reinstatement costs to your building works are covered should they become damaged during the construction. The policy covers the project you are working on and the materials needed to complete the works. The policy is made up of two elements: Temporary Works: These are non permanent fixtures such as scaffolding or a works hut. They are not deemed to be a permanent part of the build but are needed during construction. Permanent Works: This is the build and the materials and fixtures that will become part of the build.
  • What can be covered?
    Cars Minibuses Vans Trucks HGV's Commercial Vehicles
  • Who can be covered?
    Multiple drivers
  • What are the types of cover?
    Third Party, Fire & Theft Fully Comprehensive
  • What is covered?
    Breach of Confidentiality, ​ Defamation, ​ Breach of copyright, Loss of documents, Dishonesty of Employees, Bodily injury caused to someone who isn’t an employee, due to advice, design and specifications.
  • Who can be covered?
    Any professional where a client could lose money if your advice goes wrong should consider professional indemnity. Here are just a few of the most common. ​ Consultancy ​ IT contractors ​ Management consultancy ​ Software developer ​ Telecommunications consultancy ​ Training consultancy insurance ​ Web designer
  • Third Party, Fire & Theft
    Covers the above as well as the cost of replacing or repairing your taxi should it be stolen, damaged during an attempted theft or as a result of fire damage. It is important to note however that your claim may not be paid out unless you adhere to your policy’s terms which for example could include not paying out for theft if your vehicle was not properly secured.​
  • Fully Comprehensive
    The most complete level of cover which will usually include everything in third party, fire & theft as well as damage to yourself or your Commercial van in the event of a claim, if it is your fault. Fully comprehensive policies may also include optional extras such as legal protection, which you can decide whether you require or not.
  • Third Party Only
    The minimum level of insurance required by law, covers you for damage or injury to 3rd party property and 3rd parties if you are deemed to be at fault. Third party will not cover damage to your own van or yourself.
  • What can be covered?
    Cars Mini buses Vans
  • Who can be covered?
    Multiple drivers
  • What are the types of cover?
    Third Party, Fire & Theft Fully Comprehensive
  • Who is covered?
    Full-time and part-time employees, ​ Self-employed contractors you hire, ​ Temporary staff, ​ Apprentices, Volunteers, People taking part in work experience or training schemes.
  • Are you worried about data hacking or fraud?
    Cyber Insurance Insurance against data hacking and cyber disasters, including financial fraud.
  • Stock Insurance
    Would it cause damage to your business if your food and drinks were stolen, or damaged? We can provide insurance to protect your stock.
  • Other Pub & public venue related Insurances
    Dance floor Cover ​ Door man Cover
  • Equipment Cover
    We can provide insurance for the loss, damage or theft of your equipment. ​ We know that you may have invested in expensive IT equipment including tills & that it is important to ensure that the equipment is protected.
  • Employer's Liability Insurance
    If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Building Insurance
    If you own your building, then this is important to ensure you can repair or rebuild in the event of a disaster. It can also provide protection for insurance for the external premises.
  • Loss of Trade Cover
    Loss of Trade cover - If you cannot trade for reasons listed in your policy.
  • Contents Cover
    Contents cover will provide insurance for your furnishings. ​ You can have Buildings and Contents, or contents only, depending on what you need to insure.
  • Do you have a works van?
    Business Van Insurance ​ If you have a company van which is used for deliveries, you will need Goods in transit Insurance.
  • Are you worried about data hacking or fraud?
    Cyber Insurance Insurance against data hacking and cyber disasters, including financial fraud.
  • Do you employ staff?
    Employers' Liability Insurance If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969.
  • Do you need protection for stock?
    Stock Insurance ​ Would it cause damage to your business if stock was stolen, or damaged? We can provide insurance to protect your stock.
  • Do you have a company van?
    Business Van Insurance ​ If you have a company van which is used for deliveries, you will need Goods in transit Insurance.
  • Do you have tools and expensive equipment?
    Equipment & Tool Cover ​ We can provide insurance for the loss, damage or theft of your tools and equipment. ​ We know that you may have invested in expensive equipment like fridges and freezers and that it important to ensure they are protected.
  • Do you own a building?
    Building Insurance If you own your shop premises, then this is important to ensure you can repair or rebuild in the event of a disaster. It can also provide protection for insurance for the external premises. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Extended Unoccupancy Cover
    Would it cause damage to your business if damage to your property means it cannot be rented? We can provide insurance to protect your rental income, based on a variety of incident criteria.. Insure for periods when your property is not occupied, due to qualifying reasons
  • Building Insurance
    As you own your building, then this is important to insure you can repair or rebuild in the event of a disaster. It can also provide protection for insurance for the external premises. ​ Contents cover will provide insurance for your furnishings and even cover you for incidents such as loss of keys. ​ You can have Buildings and Contents, or contents only, depending on what you need to insure.
  • Property Owner's Liability Insurance
    If a member of the public accidentally gets injured whilst on your premises, then Liability Insurance cover will protect you against a claim.
  • Landlord Improvement Cover
    If you have made improvements to the property this is protection for the property in case the improvements are damaged and are not covered by the buildings cover.
  • Employers Liability Insurance
    If someone working for your rental. blames you for an accident or illness.
  • Amount of Cover
    We can insure up to £5m worth of cover.
  • What is Covered
    Legal Fees Compensation
  • Who Can be covered?
    Cover can be provided to a breadth of businesses, including the following. Contact us for a quote based on your own business type: ​ Dog Walkers ​ Builders ​ Hairdressers
  • What is not Covered
    Personal Injury to you ​ Employee Claims ​ Your own property & equipment
  • Contents (Stock) Insurance
    Most businesses have stock and contents that they need to protect, and if you do we’ve got you covered with our contents insurance for businesses. We can cover you for various things, such as contents, stock, tenants’ improvements, and your shop front. With the option to add cover for loss of money, deterioration of stock and goods in transit too.
  • Public Liability
    If you deal with members of the public in your day to day business, then public liability insurance should be considered. If a member of the public gets accidentally injured, or their property is damaged as a result of your business, this will cover you against third party claims.
  • Cyber Insurance
    Insurance against data hacking and cyber disasters.
  • Professional Indemnity
    If you provide advice to customers or clients, then professional indemnity insurance protects you in case your advice causes monetary loss for client and results in claim. We offer cover levels up to £5 million, with specialist policies available for certain professions.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • Loss of Rent Cover
    Would it cause damage to your business if damage to your property means it cannot be rented? We can provide insurance to protect your rental income, based on a variety of incident criteria.
  • Building Insurance
    As an owner of a building, it will be important to you to ensure that you can repair or rebuild the property in the event of a disaster ​ Contents cover will provide insurance for your furnishings and even cover you for incidents such as loss of keys. ​ You can have Buildings and Contents, or contents only, depending on what you need to insure.
  • Property Owner's Liability Insurance
    If a member of the public accidentally gets injured whilst on your premises, then Liability Insurance cover will protect you against a claim.
  • Commercial Landlord Improvement Cover
    If you have made improvements to the property this is protection for the property in case the improvements are damaged and are not covered by the buildings cover.
  • Accidental Damage Insurance
    We can provide insurance for the loss, damage of your commercial property. ​ Unexpected physical damage to your property or contents, caused by your tenants, their customers and visitors, or other members of the public
  • What is covered?
    Security failures – when a hacker exploits a weakness in a business’s digital security. Cyber-attacks – any kind of digital attack against a business. Extortion – criminals using ransomware to hold systems or data to ransom. Human error – mistakes leading to a data breach or system outage. This includes social engineering attacks, which rely on human error to succeed. Data breaches – where personal or commercial information is accessed illegally. Deals with the costs of regulatory investigations, pays to inform anyone who’s data has been accessed and covers the costs of any resulting lawsuits. Business interruption – loss of income when a cyber event means a business can’t trade as normal. Financial crime and fraud – when someone is tricked digitally into transferring money or goods to a criminal. Property damage – physical damage to equipment from a cyber-attack Reputational damage
  • Do you have tools and expensive equipment?
    Equipment & Tool Cover ​ We can provide insurance for the loss, damage or theft of your tools and equipment. ​ We know that you may have invested in expensive IT equipment that it important to ensure it is protected.
  • Do you employ staff?
    Employers' Liability Insurance If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969.
  • Do you own a building?
    Building Insurance If you own your building, then this is important to ensure you can repair or rebuild in the event of a disaster. It can also provide protection for insurance for the external premises. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Are you worried about data hacking or fraud?
    Cyber Insurance Insurance against data hacking and cyber disasters, including financial fraud.
  • Do you need protection for stock?
    Stock Insurance ​ Would it cause damage to your business if stock was stolen, or damaged? We can provide insurance to protect your stock.
  • Do you have a company van?
    Business Van Insurance ​ If you have a company van which is used for deliveries, you will need Goods in transit Insurance.
  • Cyber Insurance
    Insurance against data hacking and cyber disasters.
  • Contents (Stock) Insurance
    Most businesses have stock and contents that they need to protect, and if you do we’ve got you covered with our contents insurance for businesses. We can cover you for various things, such as contents, stock, tenants’ improvements, and your shop front. With the option to add cover for loss of money, deterioration of stock and goods in transit too.
  • Professional Indemnity
    If you provide advice to customers or clients, then professional indemnity insurance protects you in case your advice causes monetary loss for client and results in claim. We offer cover levels up to £5 million, with specialist policies available for certain professions.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • Employers Liability cover
    If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Do you rely on your website or have worries about fraud?
    Cyber Insurance against data hacking and cyber disasters, including financial fraud.
  • Do you have a van or a car that you use for business?
    If you have a company vehicle which is used for deliveries, you will need Goods in transit Insurance. ​ This insures the value of your stock or goods being transported. We can arrange your Business Van Insurance.
  • Employers Liability cover
    If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Contents (Stock) Insurance
    Most businesses have stock and contents that they need to protect, and if you do we’ve got you covered with our contents insurance for businesses. We can cover you for various things, such as contents, stock, tenants’ improvements, and your shop front. With the option to add cover for loss of money, deterioration of stock and goods in transit too.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • Public Liability
    If you deal with members of the public in your day to day business, then public liability insurance should be considered. If a member of the public gets accidentally injured, or their property is damaged as a result of your business, this will cover you against third party claims.
  • Professional Indemnity
    If you provide advice to customers or clients, then professional indemnity insurance protects you in case your advice causes monetary loss for client and results in claim. We offer cover levels up to £5 million, with specialist policies available for certain professions.
  • Contents (Stock) Insurance
    Most businesses have stock and contents that they need to protect, and if you do we’ve got you covered with our contents insurance for businesses. We can cover you for various things, such as contents, stock, tenants’ improvements, and your shop front. With the option to add cover for loss of money, deterioration of stock and goods in transit too.
  • Cyber Insurance
    Insurance against data hacking and cyber disasters.
  • Employers Liability cover
    If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • Public Liability
    If you deal with members of the public in your day to day business, then public liability insurance should be considered. If a member of the public gets accidentally injured, or their property is damaged as a result of your business, this will cover you against third party claims.
  • Contents (Stock) Insurance
    Most businesses have stock and contents that they need to protect, and if you do we’ve got you covered with our contents insurance for businesses. We can cover you for various things, such as contents, stock, tenants’ improvements, and your shop front. With the option to add cover for loss of money, deterioration of stock and goods in transit too.
  • Employers Liability cover
    If you employ staff Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business.
  • Cyber Insurance
    Insurance against data hacking and cyber disasters.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • Professional Indemnity
    If you provide advice to customers or clients, then professional indemnity insurance protects you in case your advice causes monetary loss for client and results in claim. We offer cover levels up to £5 million, with specialist policies available for certain professions.
  • Public Liability
    If you deal with members of the public in your day to day business, then public liability insurance should be considered. If a member of the public gets accidentally injured, or their property is damaged as a result of your business, this will cover you against third party claims.
  • Fully Comprehensive
    The most complete level of cover which will usually include everything in third party, fire & theft as well as damage to yourself or your taxi in the event of a claim, if it is your fault. Fully comprehensive policies may also include optional extras such as legal protection, which you can decide whether you require or not.
  • Policy Only
    Typically the cheapest level of cover, with the cost increasing for each name that you add to the policy.
  • Named Driver
    Insurance for a taxi driver purchasing their own policy covering just themselves.
  • Third Party, Fire & Theft
    Covers the above as well as the cost of replacing or repairing your taxi should it be stolen, damaged during an attempted theft or as a result of fire damage. It is important to note however that your claim may not be paid out unless you adhere to your policy’s terms which for example could include not paying out for theft if your vehicle was not properly secured.
  • Third Party
    The minimum level of insurance required by law, covers you for damage or injury to 3rd party property and 3rd parties if you are deemed to be at fault. Third party will not cover damage to your own taxi or yourself.
  • Any Driver
    As the name suggests this will cover any driver using your taxi.
  • What Insurance do I need?
    This will depend on how you use your building and if it is furnished by you. You will need Buildings cover as a minimum. We will discuss with you what is appropriate for your business once we understand how you use the building and what is important to you.
  • What is Commercial Property Insurance?
    Commercial property insurance is insurance for the commercial building you own. It will include Buildings insurance which will protect you from the damage to your building, in the event of fire, flood, break ins or theft. It will also provide cover for emergencies, such as faulty electrics, loss of keys. As this is a commercial insurance we also want to protect your business for loss of income for example with a loss of rent guarantee product.
  • How much does Commercial Insurance cost?
    The cost will depend on how much insurance you want in place, what you want insurance for, the value of your building and your previous claims history. We will draw up a list of your requirements and then obtain you a quote.
  • Can I spread the payments of my insurance?
    Yes, we offer financing options for you to spread the cost of your insurance over 10 months.
  • What insurance do I need as a Landlord?
    It will depend on your venue, if you have a dancefloor and doormen for example. However typically you will need Employers Liability, Public Liability, Stock and Buildings Content Cover, Buildings if you own the venue. We can run through your individual requirements once we have gained an understanding on how you run your pub or licensed venue.
  • Can I spread the cost of my payments?
    Yes, we offer financing options so that you can spread the cost of your insurance over 10 months.
  • How do I know what I need?
    We will discuss your venue with you, to gain an understanding of your requirements, what sort of venue you have, how you run it, and what is important for you to protect. We will then source a policy that is suitable for your businesses needs.
  • Am I required to have insurance?
    Yes. If you hire staff on any basis, it is a legal requirement to have Employer's liability Insurance. A Pub, short for Public house is working with the public, hence you should have Public Liability insurance in place. This protects you from a claim, if someone has an accident inside your pub, on the dance floor, in the car park or pub beer garden, anywhere on your premises. As a landlord you invest a lot of money into stock and furnishings, it is therefore advisable to get them protected too.
  • What is salon and beauty insurance?
    Salon and beauty insurance is a type of insurance that provides protection for salon owners, beauticians, and other professionals in the beauty industry. This specialised form of insurance covers a wide range of potential risks and liabilities, that can include injury to a member of the public, damage to property or equipment, legal fees and more.
  • What is the most basic salon policy?
    Our standard policies include public and products liability insurance along with basic treatment cover, although much more can be added.
  • Do you offer beauty aesthetics insurance?
    We can offer beauty aesthetics insurance for a very wide range of treatments - from dermal fillers to microneedling, thread lifts to chemical peels and profhilo, to many more. Simply tell us what treatments you need insurance for and we will access our wide range of insurers to get you the best quote.
  • Is it possible to pay in installments?
    Yes, we can arrange finance for your policy that you then repay on a monthly direct debit.
  • Is cover provided for Medics & Non-Medics?
    Yes, if you tell us your requirements, we can quote you against our large panel of insurers.
  • Why do I need Landlord Cover?
    If you own a building, it is an expensive asset that you will want to protect in case of damage or loss in the event of a fire, or flood. You also receive an income through your rental arrangements that you may suffer from if you lose that income due to a period of unoccupied tenancy or through the premises not being accessible.
  • What is Landlord Cover?
    Landlord Cover is a combination of insurances that will offer protection to your rental properties.
  • Can I spread the cost of my insurance?
    Yes, we offer finance options to hep you spread the cost of your insurance over 10 months.
  • Can I have one policy for multiple properties?
    Yes, we can look to place all your properties into one policy, meaning you have one renewal date, one set of documents and less admin.
  • Should I buy Gap Insurance?
    Gap Insurance may not be suitable for everyone, but it could be more than worthwhile if: The vehicle you bought is due to depreciate quickly. If you were to suffer a total loss, its value may be dramatically reduced from the point of purchase, meaning your motor insurer’s pay-out would leave you with a significant cash shortfall and you’d be unable to replace the vehicle on a new-for-old basis. You’re on a long-term contract hire. If you’re paying back your debt slowly, the payment you receive from your motor insurer following a total loss may not be enough to cover the amount you owe to the hire company. You owe a balloon payment. Sometimes, the details of your finance deal might mean you are left with a large lump sum to pay to the hire company at the end of the agreement. This is known as a balloon payment and taking out a gap insurance policy can help you to cover this without falling into financial difficulty.
  • When wouldn’t I need Gap Insurance?
    Not everyone will need Gap Insurance, however. For example, it may not be required if: Your vehicle is brand new. Many insurers offer a replacement of your vehicle within the first 12 months of ownership. Even in that instance, it may still be worth considering taking out a Gap Insurance policy and deferring the start date by 12 months. However, it is worth noting that your policy must still be bought within 180 days of you purchasing the car, even if you are deferring. You’ve put down a large deposit. If you’ve been able to come up with a sizeable down payment for your vehicle, you will minimise the possibility of being left with a large shortfall on the finance agreement and there may be no need to take out a Gap Insurance policy. You can afford to make up the difference. If you’re fortunate enough to be able to cover the difference between the cost price and the value of the car, Gap Insurance may not be necessary for you.
  • Are there any exclusions?
    There are some circumstances in which your Gap Insurance would not cover you, or in which you would be unable to take out the policy in the first place. These include: Driving under the influence: If the total loss of your vehicle is caused by the driver of your vehicle being under the influence of drugs, alcohol or prescribed medication (where the person in question has been advised against getting behind the wheel by a medical professional), your Gap Insurance policy will be void. Negligence: If your vehicle is stolen due to negligence on your part, for example if you leave the keys in the vehicle, your Gap Insurance will not cover you. Hire and reward schemes: If you are a taxi driver, haulier or courier, for example, our Gap Insurance products will not be applicable to you. Vehicle age and mileage: Any vehicle over 10 years old or with more than 100,000 miles on the clock at the time of purchase will not qualify for Gap Insurance.
  • How much is Gap Insurance?
    There is no set fee for gap insurance, as your quote will vary depending on the original price of your vehicle and the length of policy you wish to take out. For example, a five-year policy on a van costing £20,000 will come at a higher premium than a one-year policy for a £10,000 van. What we can guarantee is that your policy will come at a highly competitive price and the service you’ll receive from our expert and friendly team will be second to none.
  • Can I spread the cost of my insurance?
    Yes, we offer financing options, so that you can spread the cost of your insurance premium.
  • What is Office Insurance?
    Office insurance is an insurance policy that will be put together to suit the needs of your business. We will discuss if you employ staff, the value of equipment and supporting insurance such as insuring the building you are located in. You will only need to deal with us, all your documents will be kept in one place.
  • Why do I need insurance?
    If you employ staff then you will have to have Employers Liability Insurance as this is a legal requirement. The rest is up to you and will depend on what you value most and wish to insure against. You might have lots of valuable equipment, your business may fail if you can not access your premises. We can discuss these insurances with you to ensure you can focus on your customers
  • How much is office insurance?
    The cost will depend on how much insurance you want in place, however many of our insurance products start as little as £5 per month, so this does not have to be an expensive cost to your business. You can also look to spread the cost with our finance options.
  • What is a stock or contents insurance policy?
    Contents cover can help you replace the contents of your shop, like fixtures and fittings, floral displays, mirrors, and employees’ personal belongings, if they’re damaged, lost, or stolen. We offer a range of covers for customers who have stock, or business premises, available to you as standard, with others, you can add as extras if you need them
  • Why would I need contents insurance?
    Accidents and incidents happen. And not just between 9am and 5pm. Our contents insurance gives you access to a 24 hour emergency helpline so we can help you when you when you need it most. If you’ve got stock, or are based in a premises, contents insurance could help you put things right if your valuables are damaged.
  • What’s covered by a stock insurance policy?
    Stock insurance can cover the cost of replacing the stock you use to run your business, if it’s destroyed, lost, or damaged. It makes the difference between staying open and business closures for thousands of traders every year, helping manage crises like fire, theft, flooding, and malicious damage. From food and drink products to branded materials and sellable items, if you need it to do business, stock may be worth covering.
  • Does Cyber Insurance cover GDPR?
    If you’re hit by a GDPR-related data breach, cyber insurance can help you shoulder a lot of the burden that you’re going to experience. First things first, cyber insurance wouldn’t pay any GDPR fines you might receive. It also wouldn’t cover you if a client sued you for losing or sharing their data improperly. This can sometimes be covered by professional indemnity insurance. But it’s always worth checking your policy wording to make sure. The good news is that cyber insurance does cover a lot of the other things you’ll face, like: Hiring IT experts to help contain the breach, fix your systems, and try to retrieve any stolen data Paying for PR assistance to help you protect your reputation Sets up a call centre to contact people affected by the breach Covers any compensation and legal fees that you might owe Reports the breach to the ICO, as required by law, and gives you legal advice during the whole process Compensates you for business interruption, as long as it isn’t caused by employee error or a cyber-attack on a supplier.
  • What is Cyber Insurance?
    If you’re hit by a Cyber attack, cyber insurance responds by sending an appropriate response, depending on the nature of the attack. You get immediate access to: IT experts to stop the attack and fix your systems Legal experts to advise on GDPR, data breaches and next steps PR experts to defend your reputation. Plus, there’s compensation for lost income too.
  • What does Cyber insurance cover?
    Cyber insurance covers the time, money and expertise required to stop a cyber-attack, deal with the fallout, and get your business back to normal. It pays for IT forensics, data retrieval, ransom negotiations and security fixes. It also covers human error and financial crime, lost income, and the costs of a data breach.
  • Who needs Cyber Insurance?
    If your business uses technology, then you need cyber insurance. You’re vulnerable to an attack or a member of staff making a digital error no matter your size or scale. Even if you’re freelance. Meantime, GDPR and an active regulator make it more essential than ever to be prepared for a data breach. So, you need the protection of cyber insurance if you: Use computers and email Have a website Store customer or employee information digitally Take or make payments electronically Store data in the cloud or use cloud-based services. Cyber incidents come out of nowhere and carry no warning. Cyber insurance helps deal with them quickly and gets you back to business fast.
  • What is Public Liability insurance?
    Public liability insurance is a type of business insurance. It protects you if someone makes a claim against you because they were accidentally injured, or their property was damaged. Public liability insurance will cover the cost of any legal fees, the cost of compensation claims and the cost of repairing or replacing damaged property. It’s not a legal requirement, but it can protect your business from unforeseen costs. Customers may also ask that you have it in place as part of a business agreement. Most public liability policies cover you whether the injury or damage happened at your premises or off-site.
  • What’s the difference between public liability and employers' liability?
    Who is covered by these products is the main difference between the two. Public liability insurance protects you from claims made by a third party, while employers' liability insurance protects your employees if they get injured or fall ill as a result of working for you.
  • Do sole traders need public liability insurance?
    Any business that interacts with the public will need public liability insurance – this includes sole traders You’ll still be dealing with customers, clients and members of the public which is where the risk comes in – this means you need to be protected against any accidents, theft or damage caused
  • Are the actions of my employees covered by public liability?
    Yes, if an employee does something while working for you that causes accidental injury or damage that results in a claim, you’ll still be covered by public liability. This is because public liability insurance protects your business, which includes both you and your employees’ actions. Please note: this cover is not the same as Employee liability cover which will cover you for claims claims made by your employee but not for claims caused by the actions of your employees.
  • Do I need public liability insurance if I'm self-employed?
    Yes, there are some self-employed people who need public liability insurance. Whether or not you need public liability insurance when you work for yourself depends on the type of work you’re doing. Public liability provides cover against accidental injury or damage caused to a third party or their property. So, if you interact with the general public at all during your average workday, you should consider public liability insurance.
  • Do sole traders need public liability for working from home?
    Yes, even if you’re working from home public liability can still be helpful for protecting your business. If you have people over to your home for business reasons – such as consultations, lessons, tutoring etc – you still need to be covered.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • What’s goods in transit cover, and do I need it?
    Goods in transit cover covers the cost of your goods in transit if they are damaged or stolen. You will need to ensure that your cover is more than or reflects the value the goods you’re carrying. Motor insurance doesn’t usually include this as standard, so you may need to arrange it as a separate add-on. You could find that there’s a limit to how much you’re covered for, both for individual items and cargo loads. Goods in transit insurance won’t usually cover damaged items if they weren’t properly packaged. Before buying any policy, check the wording carefully for any other exclusions or restrictions.
  • How does Courier Insurance work?
    Courier policies vary depending on the insurance provider. It's not easy to find a policy that covers everything. It's best to think of courier insurance as a package - start with a vehicle insurance policy as your base, then choose the extras you want. Some policies will cover items locked in your vehicle overnight. A comprehensive courier policy might also provide you with a courtesy vehicle you can use to get back on the road, if your own vehicle is out of action.
  • Will standard business use cover my car?
    Unfortunately not. ‘Business use’ policies are designed to cover you and your vehicle as you travel to visit clients, different sites, and other work-related venues. It doesn’t cover what’s inside your car. ‘Carriage of own goods’ for cars can cover you and your equipment, but it won’t cover other people’s belongings. If you’re transporting other people’s property, you’ll need goods in transit insurance, to protect you against a claim to protect you against a claim for damaged or lost goods.
  • Does Courier Insurance include Public Liability cover?
    A courier policy is one that you build as a tailored package, so it won’t include public liability insurance as standard. This is something you may want to add, as it will cover any compensation costs if you injure someone whilst making deliveries.
  • What is the difference between public and employers’ liability insurance?
    Public Liability Insurance covers your business against claims made by third parties, such as customers, clients, or members of the public. It protects you against an accidental injuries or property damaged cause by your business or its products. Whereas Employer’s liability insurance is a legal requirement under the Employers’ liability Act 1969 for any business with employees. It covers anyone that you’re responsible for, including employees (both full and part-time), volunteers and trainees. It protects them if they get injured or fall ill as a result of working for you.
  • Do I need employers' liability insurance?
    No matter how careful you are, workplace injuries happen, and in the case of occupational diseases, claims can happen many years down the line. That’s why, If you employ anyone, even temporarily, employers’ liability insurance can cover compensation costs and legal fees, and, in most cases, it’s a legal requirement. If you don’t have employers’ liability insurance, it could cost you dearly and not just from a compensation claim. If you employ even one member of staff on any basis, including volunteers, and if you don’t have it, you face being fined £2500 for every day you are uninsured.
  • Who is usually exempt from employers’ liability insurance?
    If you don’t have any staff, volunteers, apprentices or volunteers in your business and work completely alone, then you won’t need employers’ liability insurance. There are some cases when your business will be considered exempt. If you’re: A limited company, with only one person employed who owns more than 50% share of the capital Self-employed Equal partnerships with no employees A company with only direct family members If you only employ family members, then you may not be legally required to spend on employers’ liability insurance – but you still may want to consider investing in it. If you don’t, and an accident or injury is caused, then you’ll be liable for the financial consequences of compensation claims and possible legal costs.
  • What does employers’ liability cover?
    Employers’ liability insurance can pay the compensation amount and legal costs if an employee, or an ex-employee, claims compensation for a work-related illness or injury. Employer’s liability insurance covers full-time and part-time employees, any self-employed contractors you hire, temporary staff, apprentices, volunteers, and people taking part in work experience or training schemes.
  • What is van insurance?
    Van insurance is a legal requirement under the Road Traffic Act if you own or drive a van or pick-up, unless you declare the vehicle off-road (SORN) and keep it on private property. If you're pulled over by the police, they can issue you a fine and points on your licence for driving without insurance. But the penalty for driving without insurance doesn't necessarily stop there. If the case goes to court, you could face an unlimited fine and even disqualification from driving, which means putting a halt to your business activities. The police also have the power to seize and destroy your vehicle if you've driven it without insurance.
  • What information do I need to get a van quote?
    Before you start your van insurance quote, you'll need to have a few details to hand. You'll need to tell us your name, date of birth, address, driving history, what type of licence you hold and how long you've had your licence. Van registration number and details - We'll need to know the value of the vehicle, the number of seats the vehicle has, body type, annual mileage, modifications, the month and year the vehicle was purchased and the address where the van will be kept overnight. Driver details - We'll need each driver's name, occupation and driving history, including any claims and motoring offences they've had. Type of cover - you can choose between comprehensive cover, i.e. cover for repairs to your vehicle because of accidental damage, vandalism or an accident, or third party fire & theft cover.
  • Can I add other drivers to my policy?
    Yes, you can have up to 5 drivers on the policy inclusive of the policyholder. You will need to advise us of any additional driver.
  • Do I need van Insurance?
    Commercial van insurance is needed if you use your van or pick-up for your business. For example, moving tools, equipment and your own goods to varying locations as part of your usual working day. Private van insurance is for when you use a van as a personal vehicle only - but it will also cover you if you use your van for commuting.
  • Can I drive my van abroad?
    If you are driving in any of the countries listed in the policy booklet, your policy is automatically extended to provide the same level of cover as you have in the territorial limits for up to 90 days in every period of insurance. Your vehicle will also be covered during journeys between those countries by a recognised carrier.
  • What is the difference between private and public hire?
    There are two types of taxi insurance in the UK: 1. Private Hire insurance covers licensed Private Hire drivers who transport passengers, or deliveries of food and parcels for pre-booked customers who order a ride by phone, text, or mobile app. Private Hire drivers may not pick up passengers who hail them in the street. 2. Public Hire insurance covers licensed Hackney Carriage drivers (black cabs), who may transport passengers, or deliveries of food or parcels for customers who order a ride by phone, text, or mobile app, or who hail a taxi in the street – known as ‘ply for hire’.
  • What does Private Hire Insurance cover?
    Private Hire insurance provides all-in-one cover - protecting licensed Private hire drivers when they carry passengers, transport food and parcels, or use their vehicle for social and domestic purposes. Private hire drivers may purchase fully comprehensive or third-party protection - see the differences below. - Personal driving/private hire work/food & parcel delivery: Included with 3rd Party or Fully Comprehensive. - Costs for causing damage to other vehicles or property up to £5m: Included with 3rd Party or Fully Comprehensive. - Your legal liability for causing death or injury to other people: Included with 3rd Party or Fully Comprehensive. - Public liability cover up to £5m: Included with 3rd Party and Fully Comprehensive. - Loss, damage, theft of your vehicle and its spare parts: With Fully Comprehensive only. - Windscreen (excess £50): With Fully Comprehensive only. - Audio, communication, navigation equipment (excess £500): With Fully Comprehensive only.
  • Does Private Hire cover deliveries?
    Yes. it can do, ensure you say that this is needed when you obtain your quote. Some policies can provide protection to carry passengers, food delivery or parcels, and use the vehicle for social and domestic purposes.
  • What is Private Hire Insurance?
    Private Hire insurance provides cover for professional drivers who carry pre-booked passengers or deliveries of food and parcels in return for payment. This is also known as Hire & Reward. Bookings are typically made by phone, text, or mobile app and drivers may work with local or national taxi companies, or rideshare apps like Uber, Ola and Bolt. Depending on the level of cover purchased, Private Hire taxi insurance can insure the driver, their vehicle, their passengers, and third-party persons and property. Private Hire insurance may also be called PCO insurance, minicab insurance or taxi insurance. It specifically covers licensed drivers who carry passengers for a living. Standard motor insurance does not cover this type of activity.
  • What is Public Liability Insurance?
    Public Liability Insurance protects your business against accidental injury and property damage claims from your customers, visitors or people you visit.
  • Why do I need Insurance for my profession?
    If you are self employed or running a business, there are certain insurances that will protect your business, such as protection in regards the advice you give and the work carried out. We can protect your assets, such as your Fleet, or Van, Tools or equipment. If you employ staff , you will need Employers Liability insurance which we can arrange for you. We can discuss your business with you in order to identify the insurance needs for your business.
  • Tool & Equipment Cover
    Tool and Equipment Insurance protects you if something happens to your valuable assets.
  • What is Professional Indemnity Cover?
    Professional Indemnity Insurance protects you from potentially large compensation payments and court costs if a customer thinks you’ve made a mistake or given bad advice and makes a claim against you.
  • What is Employers' Liability Insurance?
    Employers' liability insurance protects you against work-related injury or illness claims from employees. If you have someone working for you, even in a temporary or voluntary role, it’s required by law.
  • How does Fleet Insurance work?
    You’ll usually choose your policy type and level of cover – either fully comprehensive, third party, or third party, fire and theft. Fully comprehensive offers the most cover, usually for the cheapest price too. Like individual business vehicle insurance policies, you’ll also need to select your class of use from the following: Carriage of own goods You’ll use your vehicle to carry your own goods, for example any tools or equipment you use as part of your business Hire and reward/courier You’ll use your vehicle to carry goods belonging to other people for payment – like delivery drivers or couriers Haulage You’ll use your vehicle for single long-distance deliveries of business goods – however this may also be covered by some hire and reward policies
  • Do I need Fleet Insurance?
    You must have at least third-party motor insurance to drive any vehicle on UK roads, but if you use your vehicles for business reasons then you will need to take out a dedicated business insurance policy. It offers cover where a standard policy wouldn’t – using your vehicle for business without the right cover in place will likely void your insurance. If you have two or more vehicles forming a company fleet, you don’t necessarily have to insure them all on the same policy – but it can save time and money. It's also a lot easier to manage a single policy compared to managing individual policies for each vehicle.
  • What does Fleet Insurance not cover?
    Your cover's exclusions will typically depend on the specifics of your policy, but generally speaking the vehicles in your fleet won’t be covered against: Wear and tear damage Electrical or mechanical failure Theft if items were left out in the open, doors were left unlocked, or keys were left in the vehicle Uninsured goods you are carrying
  • What is Fleet Insurance?
    A fleet insurance policy is the cover you take out if your business has multiple vehicles that require insurance – it can be a cheaper and more convenient alternative to insuring each vehicle separately. With a fleet insurance policy, you only need to manage the one policy to give all of your business vehicles the same level of cover. You can also insure multiple drivers for these vehicles so all of your employees will receive the same cover as well.
  • What does Fleet Insurance cover?
    Aside from offering cover for your fleet for business usage, your policy will also provide the same basic cover for the actual vans themselves – this can include: Damage and theft: Cover for repair costs or a replacement vehicle if one or more of yours is damaged as a result of a fire or an accident, vandalised, or stolen Third-party damage: Cover for the cost of damage you cause to another person, their car or their property Motor legal protection: Cover for the cost of legal fees you might need to pay as a result of a car insurance claim Personal accident cover: Cover that pays out an agreed lump sum should you be seriously or fatally injured in a road accident Breakdown cover: Cover for the cost of roadside assistance should one of the covered vans in your fleet break down Courtesy van cover: Cover that gives you access to a temporary replacement vehicle while your broken down van is being repaired Many providers also offer optional cover that you can add to your policy at an extra cost. Some of the most popular add-ons for fleet van insurance are: Lost keys: If you lose the keys to any of the vehicles in your fleet this will pay for the cost of replacing them Misfuelling: This will cover you for costs related to putting the wrong fuel in any of the vehicles in your fleet Windscreen cover: Windscreen cover will pay for any damage done to any of your vans’ windscreens Trailer cover: You can also get cover for an attached trailer if it’s damaged or stolen
  • How do I contact you?
    If you need to contact us about your policy, for a claim, a change or a general enquiry then you can either call us on 01173 707444 or email us at hello@fuzzyinsurance.co.uk
  • Are we regulated?
    Yes. We are fully authorised to sell insurance products by the Regulator, the FCA. You can see our firm details at the bottom of the page.
  • Who am I buying Insurance from?
    We work with a wide panel of insurers to ensure that we can offer you a suitable insurance product. Our Insurers are all highly rated, along with our products. You will be advised on the Insurer underwriting your policy prior to you purchasing the policy.
  • How secure are my personal details?
    Your personal details are very important to us, and we understand the need to keep them secure. We will not sell your personal data or spam you with unnecessary emails. Our processes ensure that you are in control of the communication you receive from us.
  • Why are you called Fuzzy?
    We are a team of experienced insurance professionals, and one of our favorite terms in insurance is Fuzzy Logic. It is the principle that if you know enough information about something, then you can come to additional conclusions on that subject. Insurers use this principle when assessing insurance risk. We also love the fact that it's the reverse of clear, we want to make insurance which we know is a complex subject, easy for our customers to understand, so we want to remove the Fuzziness and make it crystal clear.
  • What is Professional Indemnity insurance?
    Professional indemnity insurance protects your business against claims made by your clients if they lose money because they followed your advice or due to negligent services you’ve offered. Although professional indemnity insurance isn’t a legal requirement, not having it could mean that if something does go wrong for a client following your advice, your business could be responsible for the legal fees, expenses, compensation costs or other costs incurred in your defence.
  • Is professional indemnity insurance required by law?
    Unlike employers’ liability insurance, professional indemnity insurance isn’t a legal requirement. However, many clients will prefer to deal with businesses that are protected by professional indemnity insurance and may not work with you if you don’t have it. Plus, if you wish to join a professional body, it’s likely they’ll require you to you have a certain level of insurance before you’re able to become a member.
  • Why do I need professional indemnity insurance?
    If you provide professional services or consultancy, or handle client data and intellectual property, it’s a very useful protection to have as it covers legal fees and compensation costs if you lose a claim that a client brings against you. You need professional indemnity insurance if: You provide advice and consultancy Clients can claim compensation if there’s a mistake in the advice you’ve given. You provide an expert service In case you make a mistake in designs, plans or calculations. You handle people’s information You could face claims if you accidentally disclose data or infringe on a client’s legal rights. A client insists you have it Many clients will require that you have professional indemnity insurance in place before you can start working for them. Your professional body requires it You might belong to a professional body or industry association where professional indemnity insurance is compulsory.
  • How much professional indemnity insurance do I need?
    The level of cover your business needs is entirely dependant on the work you do and how much financial impact a mistake in your line of work would cause. Your policy should have enough cover to fully settle any claim and legal fees brought against you. Here are a few other things to take into consideration when choosing the level of cover you’ll need. Professional indemnity policies range from £2 million to £5 million cover. The type of work you do and clients you work with The projects you’re working on The size of your business The financial impact a mistake on your part would have The type of risks you face Whether you provide consultancy or advice It’s also worth checking in with any clients ahead of time to find out if they have any requirements for how much cover you should have in order to work with them.
  • What can be insured?
    We can insure your IT equipment, including laptop, and the tools that are needed to perform your work.
  • What is Tool cover?
    Tool cover is insurance against the loss, damage, and theft of your tools
  • How much cover do I need?
    This depends on the value of your equipment or tools. You need to insure the amount to replace your equipment or tools in the event of a claim.
  • Where does the equipment need to be stored?
    The equipment can be in your office, premises, van or home.
  • Why should I use Fuzzy Insurance?
    We are a fully regulated company, registered with the Financial Conduct Authority. We are experienced Insurance professionals, who understand Business Insurance. We appreciate that there is a lot to think about and consider regarding business insurance, thus we will take care of that allowing you to focus on your business.
  • What insurance do I need for my shop?
    You will need to have Public Liability insurance as a minimum, if you employ staff then you will have to Employers Liability Insurance as this is a legal requirement. The rest is up to you and will depend on what you value most and wish to insure against. You might have lots of valuable stock, or equipment, your business may fail if you can not access your premises. We can discuss these insurances with you to ensure you can focus on your customers.
  • What is shop insurance?
    Shop insurance is an insurance policy that will be put together to suit the needs of your business. We will discuss if you employ staff, the value of your stock, any specialist equipment and supporting insurance such as insuring the van you use for deliveries. You will only need to deal with us, all your documents will be kept in one place.
  • How much does shop insurance cost?
    The cost will depend on how much insurance you want in place, however many of our insurance products start as little as £5 per month, so this does not have to be an expensive cost to your business. You can also look to spread the cost with our finance options.
  • Can I pay monthly?
    Yes, we offer finance options so that you can spread the cost of your insurance premium over 10 months.

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