Insurance for Small Businesses: What Protects Your Income and Assets

Liability, income protection, property and cyber cover: what to prioritise.

A single event can threaten a small business.

Core cover

Example with default values. Open the calculator →

Accident insurance is compulsory and daily sickness allowance is recommended.

Even small firms store customer data. Consider cyber cover and keep backups and strong passwords, because recovery after an attack can be costly.

Update cover when the business grows. Check your income gap with the disability gap calculator.

Compare your income with benefits from IV and your pension fund if you become disabled.

Estimate the coverage that protects your family’s income if you die.

See how much of your salary is covered by compulsory accident insurance.

What freelancers and sole traders must register, insure and set aside.

Liability, capital, taxes and administration compared.

When you must register, how input tax works and how the flat-rate method can simplify things.