Insurance built around your small business.

Frequently asked questions

• Who are Lukango?

  Like our customers, we are a small but perfectly formed diverse team bringing over 50+ years of combined experience in insurance, underwriting, claims, and digital product development. This, coupled with a background in technology and a passion for championing the underserved, means we are perfectly placed to support the small businesses we protect.

• What does Lukango do?

  Lukango is helping today’s small business owners and entrepreneurs (you) protect their business and realise their dreams, by partnering with like-minded insurance providers, who offer flexible, easy to understand insurance cover. You’ll be in control of how little or how much protection you have, and when that protection needs to be in place. It is this flexibility that gives customers a truly personalised experience.

• What insurance does a business need?

  Business insurance can cover your company for financial losses if something goes wrong as a result of your day-to-day business activities. The type of cover you need will depend on what type of work you do. Some examples include a customer being injured by your product, damage or theft of your stock, or sickness or injury to someone in your team.

  There are many forms of insurance you can choose to cover your small business, including:

  • Public liability insurance
  • Employers’ liability insurance
  • Product liability insurance
  • Stock insurance

  There are many other types of insurance you might want - check out our blog to find out more.

• Will Lukango insurance cover my business?

  Lukango provides cover for many types of business. Just like you, we’re starting small. We’ve partnered with Markel Direct to launch a specialist product designed to cover online retailers. Whether you sell hand designed t-shirts, pet products, football memorabilia or 1990’s CDs (remember them), we’ll find an insurance partner to cover you.

  As Lukango grows, our next areas of focus are: media, creative, tech, data and wellness. To help you, we continually strive to find trusted insurance partners who can offer you tailored business insurance packages.

• Is business insurance a legal requirement?

  Some insurance is optional but we think businesses should plan for every eventuality by protecting what is important to the successful running of your business . Many of your clients, partners and other companies you work with will need proof of insurance as a requirement before they work with you. A great example is that if your small business attends events, you will need the right level of public liability insurance when the event day arrives.

  Did you know there is one form of business insurance that you are legally required to have? If your business has employees, then you must have at least £5 million of employers’ liability cover. Lukango can help you understand what you need and when you need it.

• Can I get business insurance before registering my business?

  Yes, if you are in the process of setting up a new business you can purchase cover before registering your business - you won’t be required to have a company registration number or other registration details before buying. Your business might not be launched yet but if you have equipment, stock, or employees then you have risks you may want to consider protecting.

• 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.