Build your small business file, even if you are not sure what you need.
Not sure is the normal starting point. Answer plainly – what you do, where, who comes through the door – and the file sorts out which covers even apply to you. Nothing is sent until you have read the whole thing and pressed send yourself.
This is your business as you described it. Fix anything that reads wrong, then move it into the form and choose how the reply reaches you.
What a complete small business file includes.
Small business insurance is a handful of covers pretending to be one. The file below is how a licensed person works out which handful is yours.
What you do, plainly
A cafe, an office, a salon and an online store carry four different risk shapes. The neighbourly description beats the formal one.
Where it happens
A rented unit, your home, the customer’s place, or the internet. Each answer moves the liability question somewhere different – and home policies rarely follow a business.
Who walks in
Customers on your floor, even a home office floor, are the oldest liability there is. It gets asked even when the answer is never.
What is on the shelf
Equipment, stock and fittings at their fullest. The quiet-week number is how businesses discover underinsurance during their busiest one.
Products or services, or both
Selling things, making things and serving food each carry their own liability. Services carry a different one – the costly mistake that hurts nobody.
The wheels
A personal vehicle doing business duty is the most common gap we see, and the cheapest one to close early.
The online share
Cards taken, accounts held, sales through the site. The bigger the online share, the earlier cyber joins the conversation.
The record
Claims in five years, and any decline or cancellation. Both are ordinary lines in a file here, not endings.
Liability, contents, interruption, cyber, crime – which of these actually belong on your policy is what the quote comes back showing, one line each, priced so you can choose.
Sorted by a person, not a plan-picker.
No package tiers, no bronze-silver-gold. A licensed person reads what you wrote, works out which covers your business actually needs, and replies the next business day, and usually the same day – your choice of email, phone or a time to come in.