If you provide professional advice or services, Professional Indemnity insurance helps protect your business when things don't go to plan. Even when you've done nothing wrong, unhappy clients can make claims against you – and just defending yourself can cost thousands in legal fees. Without insurance, these costs (plus any compensation you might need to pay) come straight out of your business bank account, which could put your entire business at risk. What's more, many clients won't work with you unless you have this cover in place, and some professional associations require it as part of their membership rules.
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Having the right insurance means you can focus on what you do best – serving your clients – rather than worrying about what might go wrong. It keeps your business running smoothly even if you're dealing with a dispute, and gives you access to legal experts who know how to handle these situations. Of course, what you need depends on the type of work you do and who your clients are. Every policy has its own terms and exclusions, so it's worth checking the Policy Wording carefully. If you're not sure what's right for your business, have a chat with upcover's Specialist team – they're here to help you work out what makes sense for your situation.

The Public & Products Liability Insurance we offer is designed to protect businesses from the unique challenges they face. It provides coverage for any legal liability incurred as a result of third-party injuries or property damage arising from your business operations or from the products your activity sells or supplies. This means, if someone were to get injured using your product, or if there's an accidThrough our Insurance Partners, we can find Public & Products Liability cover that fits your business needs. This insurance is there to protect you if someone gets hurt or their property gets damaged because of your business activities – whether that's a customer visiting your shop, someone tripping over your equipment at their workplace, or a product you've sold causing an injury. It covers the legal costs of defending yourself, plus any compensation you might need to pay if you're found responsible.
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Think of everyday scenarios: a customer slips on a freshly mopped floor, you accidentally damage a client's property while working at their site, or something you've sold doesn't work as expected and causes harm. These things happen, even in the best-run businesses. Your insurance would typically help with legal bills and compensation costs, though every policy is different – some situations won't be covered (like giving professional advice, which needs Professional Indemnity cover instead). If your business deals with customers face-to-face, works at other people's premises, or sells products, this cover is worth considering. The upcover team can help you understand what protection makes sense for your specific business.ent at your premises leading to property damage or personal injury, this policy would cover the associated legal and compensation costs. This cover is essential for businesses, providing financial protection and peace of mind, allowing you to focus on growing your business.

The Cyber & Privacy Liability Insurance we offer is tailored specifically to support businesses in an increasingly digital business landscape. This policy protects against financial losses resulting from cyber incidents such as data breaches, cybercrime, cyber extortion, and more. It also covers expenses related to data and application restoration after a cyber incident. In the event of a security failure causing business interruption, this policy provides coverage for the losses incurred. Given the prevalence of cyber threats and the potentially significant impact they can have on businesses, this cover offers critical protection for your business in the digital age.

The Directors & Officers Insurance we offer is designed to safeguard the business and their leadership teams. This policy provides coverage for claims made against directors, officers, and managers of your business. It also extends to protect your company and its subsidiaries against liability claims. Furthermore, this policy includes cover for Employment Practices Liability, which guards your company against claims made by prospective, current, or past employees. With additional features such as Tax Audit Cover and Comprehensive Crime Cover, this insurance product is specifically designed to provide a robust shield against a range of potential legal and financial threats that could impact your business. By offering protection for your key personnel and business, this policy ensures the business can continue their operations with confidence.

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.