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  • Business Insurance Wizard

    for AXA customers

  • Not sure what business insurance you need?

    We know business insurance can be hard to get your head around – but with just a few clicks, we’ll help point you in the right direction. To get started, just enter your trade or profession into the box below and select the option that suits you best.

    What does your business do?

    Please select an occupation. If you can't find it, try different ways of describing it or search for something similar. Next

    Business Insurance Wizard

    Steps

    Type of business


    Q2. What assets does your business have?


    A van

    Select this if you’ve got a van that you drive to work or use for work purposes, including deliveries.

    Yes, I have this No, I don't have this

    A heavy goods vehicle

    Let us know if you run a company that transports goods using up to five heavy goods vehicles.

    Yes, I have this No, I don't have this

    Premises you own or rent

    Select this if you own or rent premises – we could cover you in the event of accidental damage or destruction.

    Yes, I have this No, I don't have this

    Own plant, tools and equipment

    Let us know if you own your own plant, tools and equipment, including machinery, trailers and site huts.

    Yes, I have this No, I don't have this

    Hired-in plant

    Select this if you hire in constructional plant, machinery, tools or equipment to use in connection with your business.

    Yes, I have this No, I don't have this

    Business equipment

    Choose this if you use portable business equipment, like a computer or phone, in or away from your premises.

    Yes, I have this No, I don't have this

    Business contents

    Select this if you want to protect the contents of your premises, like fixtures and fittings, cutting machines or shelving.

    Yes, I have this No, I don't have this

    Stock

    If you have goods or merchandise that you keep in your business premises, you’ll need to select this.

    Yes, I have this No, I don't have this

    Staff

    Let us know if you have employees or volunteers working for you, or if you hire contractors or temporary staff.

    Yes, I have this No, I don't have this

    Overhead costs

    If your business loses income after an incident, we’ll pay you for loss of profit and continuing overheads.

    Yes, I have this No, I don't have this

    Contract works

    Let us know if you carry out contract or development works, like building a new house or extending a property.

    Yes, I have this No, I don't have this

    Business Insurance Wizard

    Steps

    Type of business


    Q3. What activities does your business do?


    Manual work away

    Select this if you carry out manual work away from your premises, like fitting curtains or building an extension.

    Yes, I do this No, I don't do this

    Make things

    If you make or create things in connection with your business, like cakes, clothes or furniture, you should select this.

    Yes, I do this No, I don't do this

    Sell things

    Select this if you sell products or items. If you sell a service, like accountancy, just select ‘provide a service’.

    Yes, I do this No, I don't do this

    Transport or deliver things

    If you transport or deliver goods, either for yourself or on behalf of others, select this.

    Yes, I do this No, I don't do this

    Design things

    Whether you draw with pencils or perfect pixels, select this if you design things as part of your business.

    Yes, I do this No, I don't do this

    Store things

    If you store your own or other people’s goods or documents in your premises, you’ll want to select this.

    Yes, I do this No, I don't do this

    Provide advice

    Select this if you provide advice and consultancy to clients, or if people rely on your professional expertise.

    Yes, I do this No, I don't do this

    Visit people or have visitors

    If you visit clients or customers, or if customers or members of the public can visit your premises, select this.

    Yes, I do this No, I don't do this

    Work on other people's property

    Let us know if you work on other people’s property or visit clients and suppliers at their place of work.

    Yes, I do this No, I don't do this

    Rent out property or rooms

    Select this if you rent out property or rooms to others, such as office space, shops, warehouses or surgeries.

    Yes, I do this No, I don't do this

    Provide a service

    If you provide an expert service to clients or customers, like business consultancy or accountancy, you should choose this.

    Yes, I do this No, I don't do this

    Business Insurance Wizard

    Steps

    Type of business


    Your business insurance results are below

    What your business has:

    • No selected assets

    What your business does:

    • No selected activities

    Businesses like yours choose:

    Buildings


    In the event of accidental loss, damage or destruction, repairing your property could be very expensive – so buildings insurance could save you in the long run. It covers the structure of your premises, as well as landlords’ fixtures and fittings.

    Business contents


    If your contents are damaged, stolen or lost, contents cover can help you replace them. It covers the value of all contents in your premises – like shop fixtures and fittings, machinery and electronic office equipment.

    Employers' liability


    If your business has one or more employees, employers’ liability insurance is often a legal requirement. It covers your legal liability if an employee is injured or falls ill at work and makes a claim against you.

    Professional indemnity


    If a client thinks you’ve made a mistake or given them bad advice, they could make a claim against you. Professional indemnity insurance protects you against compensation costs and covers the legal fees required to defend you. You’ll also have the option of adding additional covers, including:

    • Breach of confidentiality – Because businesses like yours keep information secure and secret on behalf of others, and could be sued if something confidential slips out.
    • Loss of documents – Because if you lose your own or clients’ vital information kept on computers or on file – clients, money and reputation could be lost too.
    • Defamation – Because your business could be sued if you’re accused of libel or slander because of something you’ve said or written (including emails, letters and web pages).
    • Infringement of copyright – Because if you unintentionally misuse legally protected intellectual property, like logos, music, photos or wording, it could be an expensive error.

    Public and products liability


    While you do your best to get everything right, accidents can happen. When they do, public and products liability protects your legal liability, by covering you against accidental injury or property damage claims made against you by third parties.

    Business interruption


    If your business has to close after a fire, flood or forced entry, the consequences could be huge. But if you’re unable to trade, business interruption covers you for loss of profit and continuing overheads, including employee wages.

    Public liability


    While you do your best to get everything right, accidents can happen. And when they do, public liability insurance protects your legal liability, by covering you against accidental injury or property damage claims made against you by third parties.

    You should also consider:

    Hired-in plant


    We’ll cover your legal liability for accidental loss, destruction or damage to constructional plant, tools and equipment – including machinery, trailers, site huts or caravans – which you have hired to use in connection with your business.

    Own plant, tools and equipment


    We’ll cover your legal liability for accidental loss, destruction or damage to constructional plant, tools and equipment – including machinery, trailers, site huts or caravans – which are owned by you.

    Contract works


    When you’re carrying out contract works, like building a new house or extending a property, things can go wrong. Contract works cover protects you against accidental loss, destruction or damage, so you can complete the contract you’re working on.

    Goods in transit


    If you’re transporting your own or someone else’s goods from one place to another, and they’re lost, stolen or accidentally damaged, we’ve got you covered. That includes goods in transit in vehicles owned or operated by you, or carried by a third party like DHL.

    Business equipment


    Choose this if you use portable business equipment, like a computer or phone, in or away from your premises.

    Commercial landlord


    Whether you rent out offices, shops, warehouses or surgeries, fire, flood or everyday mishaps could cause expensive claims. But with commercial landlord insurance, you've got the peace of mind you need – and a solid foundation for your investment.

    Cover for previous work


    Because a claim for professional negligence can be made against your work at any time, cover for previous works extends your professional indemnity insurance protection so it can cover all the work your business has done since it started trading.

    Stock


    This covers the value of any goods or merchandise kept in your business premises. If you’re in the building trade, you already get £2500 cover for stock if you choose own plant, tools and equipment cover.

    Professional indemnity for tradesmen


    If a client thinks you’ve made a mistake with designs or given them bad advice, they could make a claim against you – but professional indemnity insurance can cover your compensation costs and legal fees. This cover isn’t available online, but please call us on 0330 159 1520* to find out more.

    Heavy goods vehicle


    If you transport goods using up to five heavy goods vehicles, we’ve got a combination of standard and optional covers to best meet your needs – and help keep your business on the road.

    Van insurance


    Whether you use your van for work, deliveries or family trips, we can cover you and help keep you on the road, with accident recovery, roadside repairs and a guaranteed courtesy van from our nationwide network.

    Now you know what you may need, it's time to get protected

    Based on what you’ve told us today, we recommend our tailored business insurance. 

    Use our recommendations to help you get a quote online now or email your results directly to your inbox to go through them in your own time.

    We need a few more details 

    To make sure we can give you a business insurance quote that meets your needs, we need some more details from you.

    You can keep this page open so you know what you need, or email your results directly to your inbox to go through them in your own time.

    Based on what you’ve told us today, we recommend our shop insurance. 

    Use our recommendations to help you get a quote online now or email your results directly to your inbox to go through them in your own time.

    We need a few more details 

    To make sure we can give you a business insurance quote that meets your needs, we need some more details from you.

    You can keep this page open so you know what you need, or email your results directly to your inbox to go through them in your own time.

    Based on what you’ve told us today, we recommend our shop insurance and business van insurance. 

    Use our recommendations to help you get a shop insurance quote online or email your results directly to your inbox to go through them in your own time.

    Because you’ve got a van that you drive to work or use for work purposes, you’ll also need business van insurance – but get things started by getting a shop insurance quote now.

    Based on what you’ve told us today, we recommend our tailored business insurance and business van insurance. 

    Use our recommendations to help you get a quote – and save an extra 10% when you buy online.

    Because you’ve got a van that you drive to work or use for work purposes, you’ll also need business van insurance – but get things started by getting a business insurance quote now.