Get the answers you need in our FAQs

• Who are Lukango?

  Lukango is a digital insurance intermediary that helps small businesses access business insurance through specialist insurers. We work with a panel of insurance partners, including Markel, to connect businesses with cover that is provided and underwritten by those insurers. Lukango does not provide insurance itself — we provide the technology and digital journeys that make it easier for small businesses to explore and arrange insurance through our partners.

• What does Lukango do?

  Lukango operates a digital insurance platform for small businesses. We work with specialist insurers, such as Markel, to make their business insurance products available through Lukango. Our platform helps small business owners view, compare and apply for insurance that is provided and underwritten by our insurance partners.

• What insurance does a business need?

  Different businesses can face different types of risk, and there are many forms of business insurance available in the market. These can include cover for things like injury or damage caused to others, damage to property or stock, legal costs, or interruptions to trading.

  Some common types of business insurance include public liability insurance, employers’ liability insurance, professional indemnity insurance, product liability insurance and stock insurance.

  The types of insurance available, and what they cover, can vary depending on the insurer and the nature of a business. To understand what options are available and how they might apply to your business, you can speak to Markel Direct, Lukango’s insurance partner.

• Will Lukango insurance cover my business?

  Lukango works with specialist insurers, including Markel, who provide business insurance for a wide range of business types and activities. The types of businesses that can be covered, and the terms of that cover, depend on the insurer and the details of the business.

  To find out whether insurance is available for your business and what it might include, you can speak directly with Markel Direct, Lukango’s insurance partner.

• Is business insurance a legal requirement?

  Some types of business insurance are optional, while others are required by law. In the UK, employers’ liability insurance is a legal requirement for most businesses that employ staff, including part-time and temporary employees. Other types of business insurance, such as public liability or professional indemnity insurance, are not usually required by law, but are widely available in the market.

  To understand which types of insurance are legally required and what options are available for your business, you can speak to Markel Direct, Lukango’s insurance partner.

• Can I get business insurance before registering my business?

  Some insurers offer business insurance to people who are in the process of setting up a business, even if it has not yet been formally registered. Whether this is available, and on what terms, depends on the insurer and the details of the business activity.

  To find out what options may be available in your situation, you can speak to Markel Direct, Lukango’s insurance partner.

• What is ecommerce insurance?

  Ecommerce insurance is a type of business insurance that is specifically designed for ecommerce businesses or the online selling part of your business. It is designed to protect your small business against things that can go wrong when you create, design, make or sell-on products to customers through your online shop.