Don't buy anything you don't understand
“Lukango has taken the stress out of not knowing exactly what we need for our business.”
Alex, Coffee Shop Owner.
“With Lukango, we finally have a game changer that truly understands and caters to the unique needs of small online business owners.”
Lisa, Online Retailer.
“Lukango is focused on entrepreneurs like me, meaning I can make informed decisions about insurance that work hard for my business.”
Charlotte, Business Owner.
We get you, you get insurance
Whether you're a business owner, an independent consultant, or a sole trader; whether you need basic insurance, cyber insurance or other types of protection… you have to make sure you’re covered. Lukango’s range of small business insurance options cater for a wide range of businesses and are designed to be tailored to precisely what you need.
Get 10% discount on your quote using offer code LUK10
Get answers to your insurance questions
- 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.
- 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.