Plain-English guide · 2026 edition
What the law actually requires, what it really costs, the small print that voids policies — and the 10 best places to buy. No jargon, no sales calls.
Get the free guide Read: do I even need insurance?Most guides are written by insurers selling you something. This one is written for the person opening their first business, in the order the decisions actually arrive.
STEP 1
Employers' liability is compulsory the moment you hire — before their first day. Vehicles and regulated professions carry their own legal requirements. The guide's decision map settles it in 60 seconds.
STEP 2
Public liability, professional indemnity, contents, cyber — explained in plain English with who genuinely needs each, and what a small, low-risk business typically pays.
STEP 3
The seven checks to run before paying: excess, per-claim limits, exclusions, disclosure traps — the small print behind most refused claims.
An illustrated PDF plus a 5-minute video covering the whole process and all 10 recommended providers. Pay what you want — including nothing.
Get Covered. — the starter guide