{"id":82541,"date":"2026-11-07T18:20:31","date_gmt":"2026-11-07T18:20:31","guid":{"rendered":"https:\/\/smfinancelounge.co.uk\/?page_id=82541"},"modified":"2026-11-07T18:20:31","modified_gmt":"2026-11-07T18:20:31","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/smfinancelounge.co.uk\/lt\/business-insurance\/","title":{"rendered":"Verslo draudimas"},"content":{"rendered":"

[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” column_structure=”1_2,1_2″ theme_builder_area=”post_content” module_class=”about-hero” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

PROTECT YOUR BUSINESS<\/p>\n

Business insurance<\/h1>\n

From liability and professional indemnity to cover for your key people, our business insurance specialist Jaroslav Scerbakov compares a wide range of insurers to protect your business properly, often for less than you’re paying now.<\/p>\n

Book a Free Business Insurance Review<\/a><\/div>\n

\u2605\u2605\u2605\u2605\u2605<\/span> 5.0 from 120+ Google reviews \u00b7 FCA authorised \u00b7 NACFB Assured<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smfinancelounge.co.uk\/wp-content\/uploads\/2026\/11\/Web-3.jpg” _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” alt=”Jaroslav Scerbakov, business insurance adviser at SM Finance Lounge” title_text=”jaroslav-scerbakov-business-insurance.jpg” max_height=”480px” border_radii=”on|20px|20px|20px|20px” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default” background_color=”#e8f1ed” custom_padding=”0px||0px||false|false” hover_enabled=”0″ sticky_enabled=”0″][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_code _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

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Business insurance we arrange<\/h2>\n

We have access to a wide range of insurers, so we can compare business insurance cover and prices for you, rather than offering just one provider’s policy.<\/pee><\/p>\n

Protect your business<\/h3>\n

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Liability insurance<\/pee>Public, employers’ and product liability. Most employers are legally required to have employers’ liability cover of at least \u00a35 million.<\/pee><\/div>\n

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Professional indemnity<\/pee>Covers claims if a client says your advice, design or service caused them a loss. Essential for consultants, construction and many trades.<\/pee><\/div>\n

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Commercial property<\/pee>Buildings, contents and stock cover for offices, shops, workshops and other business premises.<\/pee><\/div>\n

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Fleet insurance<\/pee>One policy for all your business vehicles, from a couple of vans to a full fleet.<\/pee><\/div>\n

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Cyber insurance<\/pee>Protection against data breaches, hacking and cyber attacks, including the cost of getting your business back up and running.<\/pee><\/div>\n

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Directors and officers<\/pee>Protects directors personally if they’re accused of wrongful acts in running the company.<\/pee><\/div>\n

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Protect the people behind your business<\/h3>\n

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Relevant life cover<\/pee>Life cover for directors and employees, paid by the company rather than personally, which can be tax-efficient.<\/pee><\/div>\n

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Key person cover<\/pee>Pays your business if someone vital to its success dies or becomes seriously ill, helping it keep going.<\/pee><\/div>\n

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Why review your business insurance?<\/h2>\n

Many businesses renew the same policy every year without checking it. Premiums creep up, cover stops matching what the business actually does, and gaps only show up when it’s time to claim. A free business insurance review compares your current cover with the wider market and makes sure you’re properly protected.<\/pee><\/p>\n

CLIENT STORY<\/pee>A construction company paying far too much<\/pee>A construction company came to us because their professional indemnity premium had gone through the roof, and they assumed they had no choice but to pay it.<\/pee>Jaro reviewed their business and compared options across the market. He found much better cover at a far more sensible price, so they’re now properly protected and keeping more of their profit.<\/pee>Every case is different. All cover is subject to insurer terms and underwriting.<\/pee><\/div>\n

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Business insurance FAQs<\/h2>\n

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\nWhich business insurance is a legal requirement?<\/summary>\nIf you employ staff, you’ll usually need employers’ liability insurance by law, with at least \u00a35 million of cover. Business vehicles also need motor or fleet insurance. Other cover may be required by your clients, contracts or professional body.<\/pee><\/details>\n

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\nDo I need professional indemnity insurance?<\/summary>\nIf you give advice, design, manage projects or provide a professional service, it’s strongly recommended, and often required by clients and contracts. It’s especially important in construction and consultancy.<\/pee><\/details>\n

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\nCan my company pay for my life insurance?<\/summary>\nYes. Relevant life cover is paid by your company and can be tax-efficient for directors and employees. Speak to your accountant as well.<\/pee><\/details>\n

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\nMy business insurance renewal has gone up. Can you help?<\/summary>\nYes. Send us your current policy and renewal, and we’ll compare it with other insurers to see if you can get the same or better business insurance cover for less.<\/pee><\/details>\n

For personal and family cover, see our life insurance and protection<\/a> page. Business owner looking for funding? See business loans<\/a>. Official guidance on GOV.UK employers’ liability insurance<\/a>.<\/pee><\/div>\n<\/div>\n

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BOOK YOUR FREE REVIEW<\/p>\n

Paying too much for your business cover?<\/h2>\n

Tell us what your business does and what you’re paying now. Jaro will compare the market and show you where you could save, or where you’re not covered.<\/p>\n<\/div>\n

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Free 30-minute review<\/p>\n

\u2713<\/span> Pick a time that suits you
\u2713<\/span> Phone or video call
\u2713<\/span> No obligation to proceed
\u2713<\/span> Kalbame lietuvi\u0161kai \u00b7 \u0413\u043e\u0432\u043e\u0440\u0438\u043c \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438<\/p>\n

Choose a date & time \u2192<\/a>\n<\/div>\n<\/div>\n<\/div>\n

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PROTECT YOUR BUSINESS Business insurance From liability and professional indemnity to cover for your key people, our business insurance specialist Jaroslav Scerbakov compares a wide range of insurers to protect your business properly, often for less than you’re paying now. Book a Free Business Insurance Review \u2605\u2605\u2605\u2605\u2605 5.0 from 120+ Google reviews \u00b7 FCA authorised […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-82541","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages\/82541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/comments?post=82541"}],"version-history":[{"count":4,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages\/82541\/revisions"}],"predecessor-version":[{"id":82547,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages\/82541\/revisions\/82547"}],"wp:attachment":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/media?parent=82541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}