Review your setup
Fit for purposeCheck whether your cover still matches what you do, where you work, and who you work with — including clients, sites and the public.
Cover Checker • Review your cover • UK business insurance
Cover Checker — review your business insurance.
Business insurance isn’t “set and forget”. If your work has changed, you’ve taken on bigger contracts, hired staff, started using subcontractors, or added new services — your existing cover may need updating. This page helps you understand the main cover types and decide what to check next.
✓ Plain-English cover guidance
✓ Helps spot common gaps
✓ We may introduce you to regulated partners
What does the Cover Checker help you do?
The Cover Checker is a simple way to review your business setup and sanity-check whether your insurance is still fit for purpose. It’s designed for businesses that already have cover — and for businesses that are unsure what they need.
Spot common gaps
Avoid surprisesMany businesses change without updating cover. This helps you check the gaps that often appear after growth, new contracts, or new services.
Get quotes (optional)
Next stepIf you want to compare prices or update your cover, request quotes. Where appropriate, we may introduce you to regulated partners.
The core cover types most businesses review
Not every business needs every policy — but understanding the core types helps you check that your cover matches your real risks.
Public Liability
Third partiesFor claims if a member of the public is injured or their property is damaged because of your work.
Employers’ Liability
EmployeesOften needed if you employ staff (and some labour-only setups). Designed for employee injury/illness claims linked to work.
Professional Indemnity
AdviceDesigned for advice, design or professional services — where mistakes or omissions could lead to financial loss claims.
Product Liability
GoodsIf you make, import, supply or sell products, this helps with claims if a product causes injury or property damage.
Why it’s worth reviewing your cover
Your insurer prices and structures cover based on risk. If your risk has changed, it’s worth checking your policy still matches reality.
Work changes
New risksNew services, bigger jobs, higher-risk sites, or new industries can change what “good cover” looks like.
People changes
Staff / subsHiring staff, using subcontractors, or switching from casual help to regular labour can change what applies.
Contract changes
LimitsMany clients require specific limits (e.g. £2m/£5m) or specific covers before you can start work.
- You’ve started working around customers or the public more often
- You’ve started giving advice, design, specs, or professional services
- You’re selling products (including importing, supplying or white-labelling)
- You’re renewing and want to compare price vs cover properly
Ready to review your cover properly?
Submit one request and, where appropriate, we may introduce you to a regulated partner who can clarify what you need and provide quotes.
FAQs
Quick answers to common cover-check questions.
How often should I review my business insurance? +
A good rule of thumb is at renewal and any time your business changes — new contracts, new services, new staff/subcontractors, or higher-risk work.
What are the most common gaps? +
Common gaps include incorrect turnover details, missing cover for subcontractors/employees, limits that don’t meet contract requirements,
and missing cover for advice/services or products.
Can I request quotes without committing? +
Yes. You can request quotes to compare options. If appropriate, we may introduce you to regulated partners to provide quotes.
Which cover type matters most? +
It depends on your business. If you work around the public, public liability is common.
If you employ people, employers’ liability may apply.
Advice/services often point to professional indemnity,
and products point to product liability.
Important: General information only. Cover Finder does not provide advice.
If appropriate, we may introduce you to FCA-regulated partners.
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