🛡️ Insurance: Boring? Maybe. Essential? Definitely.

Let’s face it—insurance doesn’t exactly get the pulse racing. It’s not as exciting as launching a new product or closing a big deal, and it’s probably not top of your to-do list. But here’s the thing: when something goes wrong (and it does), insurance is the first thing you’ll wish you’d sorted properly.

Having the right cover isn’t just about ticking a compliance box—it’s about protecting everything you’ve worked so hard to build.

🧠 What’s Actually In Your Insurance Policy?

Most people think they’re covered… until they try to make a claim and realise they’re not. The devil’s in the detail—and that fine print matters more than you think.

Here are a few bits people often miss:

• Tribunal and Employment Dispute Cover – Ever had a tricky employee situation? Tribunal claims are on the rise, and even if you’ve done everything by the book, defending yourself costs time and money. The right policy can have your back.

• Professional Indemnity – Made a mistake? (Hey, it happens.) This protects you if a client claims your advice or service caused them a loss.

• Public Liability – Someone trips over a loose cable in your office, or your coffee spills on their laptop. It's not glamorous, but it’s the kind of stuff that ends up costing thousands.

🔍 Compliance Isn’t Just for Show

If you’ve ever had to make a claim, you’ll know that insurers want proof you’ve done things properly. That’s where your safety compliance efforts come in—having solid risk assessments, policies, and procedures doesn’t just keep people safe, it also helps ensure your claim doesn’t get rejected.

So yes, doing things properly helps keep your insurance valid. (We knew all that HR and H&S wasn’t just for fun.)

💬 Why I Recommend PolicyBee

I work with PolicyBee because they just get it. They’re not pushy, they don’t speak fluent jargon, and they offer affordable insurance that actually covers what small businesses need.

You can get a quote in minutes, and they’re proper humans on the other end—not a maze of call centres.

Plus, if you do decide to go with them, the CIC (community interest company; The NeurodiverCity Hub) receives a small commission. So going through us, means you donate to a great cause too - and it doesn’t cost you any extra.

👀 In Summary (Because You're Busy)

• Insurance is boring… until you need it.

• Not all policies are created equal—check what’s really included.

• Your compliance game matters if you ever need to make a claim.

• PolicyBee makes sorting cover quick, easy, and affordable.

👉 Click here to check them out via my affiliate link. No pressure—just good cover, explained in plain English.