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Invisible Threats Are Everywhere

Find the invisible-threats to your business and protect what you've worked so hard to build.

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Use your finger to scroll around the image and find hotspots which will give you information on invisible threats

Public Liability Insurance

A client's broken their arm after tripping over a box

You might do all you can to prevent accidents at your business. But they still happen.

If one of your clients, or a visitor, is injured and you're found responsible, they could claim compensation. Should this happen, Public Liability Insurance will cover the cost of the claim and your legal fees.

Find out how Public Liability Insurance can help safeguard your business.

invisible threats office and professionals
Employers' Liability Insurance

An employee trips over an extension lead and breaks an ankle

As an employer, you're responsible for your employees' health and safety while they're at work.

If one of your employees is injured because of the work they do for you, they could make a claim against your business. If this happens, Employers' Liability Insurance will cover your legal fees and costs. And potentially the employee's medical expenses.

Employers' Liability Insurance is compulsory for anyone who has one or more employees.

Our Employers' Liability Explainer video tells you more about how this type of insurance can protect your business.

Cyber Insurance

Client files are erased or corrupted after a virus was downloaded

Your employees need the internet for work. But they probably also use it to do their shopping, read the news and check personal emails at lunchtime, which is when they might accidentally download a virus.

If your business is affected by a virus, Cyber Insurance could help you get back up and running again. It can pay the costs to repair damaged data and remove the virus, give you access to experts to support you through the data breach, and cover the costs to investigate the data breach and notify affected parties.

Our Cyber Insurance Explainer video tells you more about how this type of insurance can protect your business.

Professional Indemnity Insurance

Confidential information was emailed to the wrong person

You've got a deadline. Or you're late for the train. So, you quickly fire off an email. And it goes to the wrong person. It's easily done, even when you're not in a rush.

Professional Indemnity Insurance covers your business if you accidentally break client confidentiality. If they take you to court, it will cover your legal fees and compensation costs.

From how to protect confidential information, to what breaches of confidence look like for different jobs, read our article to learn more about confidentiality in the workplace.

Public Liability Insurance

Knocked a cappuccino over a client's laptop

Lots of people love their morning coffee. Just not thrown over their laptop.

If one of your clients, or a visitor, has their property damaged because of your actions, they could make a claim against your business. Should this happen, Public Liability Insurance will help resolve the claim.

Our Public Liability Explainer video tells you more about how this type of insurance can protect your business.

Professional Indemnity Insurance

A copyrighted image was used in an advertising campaign, and you didn't pay the rights holder

People make mistakes. However, an honest mistake could significantly impact your business.

Professional Indemnity Insurance covers your business if you publish something without the relevant permissions that costs your client money. If you are taken to court for financial or reputational damage, it will cover your legal fees and compensation costs.

Our Professional Indemnity Explainer video tells you more about how this type of insurance can protect your business.

Cyber Insurance

A hacker steals client data after an employee opens a phishing email

Your employees receive tens, possibly hundreds, of emails every day. And while some scam emails are blocked, there's always one that gets through.

If a hacker steals your business secrets, Cyber Insurance can help. We'll provide support services to affected third parties, and we'll cover the cost of restoring the stolen data. Plus, to help you manage the fallout, we provide PR/crisis-management support.

Find out how to protect yourself from cybercrime.

invisible threats office and professionals
Cyber Insurance

A hacker holds you to ransom after stealing confidential information from your system

Cyber criminals are becoming more sophisticated every day. And while you can minimise the risks of cyber threats, there are no guarantees you'll be totally immune.

If your business is held to ransom over stolen data, Cyber Insurance can help. It will cover the cost of a response, and cover you if they carry out their threats, including support if you receive a ransom demand.

Read from an ethical hacker on how businesses are being targeted and how you can stay safe.

invisible threats office and professionals
Professional Indemnity Insurance

Your employee posts something on your company's social media page that could damage your client's reputation

It's easy to post something on social media without fully realising the impact it could have on somebody's reputation. The trouble is, in business, it could be considered as libel.

Professional Indemnity Insurance covers your business if you or a colleague writes or says something that could damage a client's reputation. If they take you to court for financial or reputational damage, it will cover your legal fees and compensation costs.

Learn more about how Professional Indemnity Insurance can help protect your business.

invisible threats office and professionals
Legal Expenses

Your landlord refuses to fix a damaged part of the building, but still expects you to pay rent

A tidier office is a happier office. So the last thing you want is broken ceiling tiles or leaking pipes. It's also dangerous. Your landlord should fix such problems, but what if they keep refusing to?

Legal Expenses Insurance will give you access to expert legal advice and assistance if you have a dispute as a tenant, and it could help with paying your legal costs if the case goes further, subject to the conditions of the policy. But it's not just there to deal with problem landlords. It can help with legal issues with employees, suppliers, customers and more.

With your Business Insurance policy, you'll also get access to our 24-hour legal helpline.

invisible threats office and professionals
Product Liability Insurance

A customer is injured by a faulty zip on a dress

We're sure you take care to source your products from reputable, reliable and quality manufacturers. But even they might have the odd slip-up.

If you sell goods, Product Liability Insurance can help protect your business. That’s because if one of your items injures someone, or damages their property, you could be held responsible. This insurance will cover any compensation you are required to pay, as well as any legal fees.

Our Product Liability Explainer video tells you more about how this type of insurance can protect your business.

Employers' Liability Insurance

An employee breaks their arm after a display shelf collapses on them

As an employer, you're responsible for your employees' health and safety while they're at work.

If one of your employees is injured because of the work they do for you, they could make a claim against your business. If this happens, Employers’ Liability Insurance will cover your legal fees and costs. And potentially the employee’s medical expenses.

Employers' Liability Insurance is compulsory for anyone who has employees.

Our Employers' Liability Explainer video tells you more about how this type of insurance can protect your business.

Public Liability Insurance

A customer is injured when a mannequin topples over

You might do all you can to prevent accidents at your business. But they still happen.

If one of your customers, or a visitor, is injured they could make a compensation claim against your business. Should this happen, Public Liability Insurance will help resolve the claim.

Find out how Public Liability Insurance can help protect your business.

invisible threats retail
Cyber Insurance

A hacker steals your bank details after you opened a scam email

You probably receive lots of emails every day. And while some scam emails are blocked, there's always one that gets through.

If a hacker steals your bank details and money from your business, Cyber Insurance can help. It will cover your financial loss following fraudulent access to your computer system, that results in money being taken or assets being transferred without your permission.

Find out how to protect yourself from cybercrime.

invisible threats retail
Cyber Insurance

A hacker sends an email to your customers requesting their card details after stealing their information from your computer

Cyber criminals are becoming more sophisticated every day. And while you can minimise the risks of cyber threats, there are no guarantees you'll be totally immune.

If your business is held to ransom over stolen data, Cyber Insurance can help. It will cover the cost of a response, and cover you if they carry out their threats, including support if you receive a ransom demand.

We spoke to an ethical hacker for tips on spotting and preventing criminal cyber activity.

invisible threats retail
Cyber Insurance

You can't take payments after a virus locks you out of your system

Imagine you've got a shop full of customers, all wanting to buy something, but you can't take any money because your computer system has been hacked.

If your business is affected by a computer virus, Cyber Insurance can help you get back up and running again. It will pay the costs to locate and remove the virus, fix any damage to your computer system, and cover loss of business income.

Our Cyber Insurance Explainer video tells you more about how this type of insurance can protect your business.

Business Interruption Insurance

You're unable to open because a burst pipe floods your shop

You do everything you can to make your shop a success. But some things are out of your control, like flooding due to a burst pipe, which could mean your shop has to close.

If you can’t trade because of damage to your equipment or premises because of an insured event, Business Interruption Insurance can help. It will cover your loss of turnover, and the costs of temporary relocation.

Our Business Interruption Explainer video tells you more about how this type of insurance can protect your business.

Legal Expenses

Your landlord refuses to fix a damaged part of the building, but still expects you to pay rent

A tidier shop is a happier shop. So the last thing you want is broken ceiling tiles or leaking pipes. It's also dangerous. Your landlord should fix such problems, but what if they keep refusing to?

Legal Expenses Insurance will give you access to expert legal advice and assistance if you have a dispute as a tenant, and it could help with paying your legal costs if the case goes further, subject to the conditions of the policy. But it’s not just there to deal with problem landlords. It can help with legal issues with employees, suppliers, customers and more.

With your Business Insurance policy, you'll also get access to our 24-hour legal helpline.

invisible threats retail
Public Liability Insurance

A customer slipped on a wet floor and injured themselves

You might do all you can to prevent accidents at your business. But they still happen.

If one of your customers, or a member of the public, is injured, they could make a compensation claim against your business. Should this happen, Public Liability Insurance will pay the costs of the claim.

Find out how Public Liability Insurance can help protect your business.

invisible threats hair and beauty
Legal Expenses

Your landlord refuses to fix a damaged part of the building, but still expects you to pay rent

A tidier salon is a happier salon. So the last thing you want is broken ceiling tiles or leaking pipes. It's also dangerous. Your landlord should fix such problems, but what if they keep refusing to?

Legal Expenses Insurance will give you access to expert legal advice and assistance if you have a dispute as a tenant, and it could help with paying your legal costs if the case goes further, subject to the conditions of the policy. But it's not just there to deal with problem landlords. It can help with legal issues with employees, suppliers, customers and more.

With your Business Insurance policy, you'll also get access to our 24-hour legal helpline.

invisible threats hair and beauty
Treatments Liability Insurance

You accidentally burn a client while dying their hair

No matter how careful or how experienced you are, you could still accidentally injure a client when performing a treatment. If you do, Treatments Liability Insurance can help protect your business. What's more, you can tailor the insurance to suit your specific profession.

Find out what treatments we cover.

invisible threats hair and beauty
Public Liability Insurance

A customer's trousers were stained with hair dye

Dye can do wonders to a customer's hair. But can also ruin clothes.

If one of your customers has their property damaged, they could make a compensation claim against your business. Should this happen, Public Liability Insurance will pay the costs of the claim.

Our Public Liability Explainer video tells you more about how this type of insurance can protect your business.

Cyber Insurance

Client files are erased or corrupted after a virus was downloaded

Your employees need the internet for work. But they probably also use it to do their shopping, read the news and check social media at lunchtime, which is when they might accidentally download a virus.

If your business is affected by a virus, Cyber Insurance could help you get back up and running again. It can pay the costs to repair damaged data and remove the virus, give you access to experts to support you through the data breach, and cover the costs to investigate the data breach and notify affected parties.

Our Cyber Insurance Explainer video tells you more about how this type of insurance can protect your business.

Cyber Insurance

A hacker steals client data after an employee opens a phishing email

Your employees receive tens, possibly hundreds, of emails every day. And while some scam emails are blocked, there's always one that gets through.

If a hacker steals your client data, Cyber Insurance can help. We'll provide support services to affected third parties, and we'll cover the cost of restoring the stolen data. Plus, you have the added peace of mind of PR/crisis-management support.

Find out how to protect yourself from cybercrime.

invisible threats hair and beauty
Cyber Insurance

A hacker holds you to ransom after stealing confidential information from your system

Cyber criminals are becoming more sophisticated every day. And while you can minimise the risks of cyber threats, there are no guarantees you'll be totally immune.

If your business is held to ransom over stolen data, Cyber Insurance could help. It will cover the cost of a response, and cover you if they carry out their threats, including support if you receive a ransom demand.

We spoke to an ethical hacker for tips on spotting and preventing criminal cyber activity.

invisible threats hair and beauty
Employers' Liability Insurance

An employee trips over an extension lead and breaks an ankle

As an employer, you're responsible for your employees' health and safety while they're at work.

If one of your employees is injured because of the work they do for you, they could make a claim against your business. If this happens, Employers' Liability Insurance will cover your legal fees and costs. And potentially the employee's medical expenses.

Employers' Liability Insurance is compulsory for anyone who has employees.

Our Employers' Liability Explainer video tells you more about how this type of insurance can protect your business.

Business Interruption Insurance

Left some hair straighteners plugged in overnight, causing a fire

You do everything you can to make your salon a success. But if something unexpected happens that is outside of your control, you might have to temporarily close.

If you can't trade because of damage to your equipment or premises caused by fire, Business Interruption Insurance can help. It will cover your loss of turnover, and the costs of temporary relocation.

Our Business Interruption Explainer video tells you more about how this type of insurance can protect your business.

Product Liability Insurance

A customer has reacted badly to a faulty shampoo they bought from you

We're sure you take care to source your products from reputable, reliable and quality manufacturers. But even they might have the odd slip-up.

If you sell products, Product Liability Insurance can help protect your business. That's because, if one of your products injures someone, or damages their property, you could be liable. This insurance will cover any compensation you are required to pay and your legal fees.

Our Product Liability Explainer video tells you more about how this type of insurance can protect your business.

Professional Indemnity Insurance

A copyrighted image was used in an advertising campaign, and you didn't pay the rights holder

There can be distractions at home. Which can cause mistakes. And even an honest mistake could cost your business money.

Professional Indemnity Insurance covers your business if you publish something without the relevant permissions that costs your client money. If you are taken to court for financial or reputational damage, it will cover your legal fees and compensation costs.

Our Professional Indemnity Explainer video tells you more about how this type of insurance can protect your business.

Public Liability Insurance

A client's broken their arm after tripping over a box

If you run your business from home, you may think you don't need Public Liability insurance. But accidents still happen.

If a client or delivery person trips and hurts themselves while visiting you, they could claim compensation. Should this happen, Public Liability Insurance will cover the cost of the claim and your legal fees.

Find out how Public Liability Insurance can help safeguard your business.

invisible threats home office
Business Interruption Insurance

You're unable to open because a burst pipe floods your home

You do everything you can to make your business a success. But some things are out of your control which could mean your home business has to close.

If you can't trade because of damage to your equipment or premises, caused by an escape of water, Business Interruption Insurance can help. It will cover your loss of turnover, and the costs of temporary relocation.

Our Business Interruption Explainer video tells you more about how this type of insurance can protect your business.

Product Liability Insurance

A customer is injured by a faulty bracelet

We're sure you take care to source your goods from reliable manufacturers. But even they might have the odd slip-up.

Product Liability Insurance can help protect your business. That's because if your goods injures someone, or damages their property, you could be liable. This insurance will cover any compensation you are required to pay and your legal fees.

Our Product Liability Explainer video tells you more about how this type of insurance can protect your business.

Cyber Insurance

A hacker holds you to ransom after stealing confidential information from your system

Cyber criminals are becoming more sophisticated every day. While you can take precautions, if you run elements of your home business online, you're at risk from cyber-threats.

If your business is held to ransom over stolen data, Cyber Insurance can help. It will cover the cost of a response, and cover you if they carry out their threats, including support if you receive a ransom demand.

Read from an ethical hacker on how businesses are being targeted and how you can stay safe.

invisible threats home office
Professional Indemnity Insurance

Confidential information was emailed to the wrong person

Even from the comfort of your home office, you can still feel the pressure. This can result in mistakes, like emailing the wrong person.

Professional Indemnity Insurance covers your business if you accidentally break client confidentiality. If they take you to court, it will cover your legal fees and compensation costs.

From how to protect confidential information, to what breaches of confidence look like for different jobs, read our article to learn more about confidentiality in the workplace.

invisible threats home office
Cyber Insurance

Client files are erased or corrupted after a virus was downloaded

From making payments to emailing clients, running a business from home means working online. Making it more likely that you could accidentally download a virus.

If your business is hacked, Cyber Insurance could help you get back up and running again. It can pay the costs to repair damaged data and remove the virus, give you access to experts to support you through the data breach, and cover the costs to investigate the data breach and notify affected parties.

Our Cyber Insurance Explainer video tells you more about how this type of insurance can protect your business.

Legal Expenses

Your client disputes an invoice you have submitted to them, and is refusing to pay

You provide a service for a client and for whatever reason, they're not happy with it. They then refuse to pay, what happens then?

Legal Expenses Insurance will give you access to expert legal advice and assistance if you have a contract dispute, and it could help with paying your legal costs if the case goes further, subject to the conditions of the policy.

And it's not just there to deal with problem clients. It can help with legal issues with employees, suppliers and more.

With your Business Insurance policy, you'll also get access to our 24-hour legal helpline.

invisible threats home office

Help

Swipe IconUse your finger to scroll around the image and find hotspots which will give you information on invisible threats.

Click on a hotspot to read more on the invisible threats to your business.