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Field | The area you work in -
Activities | What you do
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Assets | What you have
Welcome to the AXA Business Insurance Wizard
The AXA Business Insurance Wizard is an exciting new interactive tool from AXA which enables you to quickly find out more about your business insurance.
You can build up a profile of your business in just a few clicks.
- First, choose the blue icon which best represents the field you work in
- Then click the other panels to pick your activities and assets
- When your profile's complete, click ‘I'm done'
We'll then show you some different kinds of business insurance that companies like yours have chosen, based on what you've told us about your business.
It's the easy way to learn more about your business insurance, without answering a single question.
How to use the AXA Business Insurance Wizard
You can use the Wizard to build up a profile of your business.
- To start, click the icon which best describes the field you work in
- Your selected icon will appear in your profile at the bottom of the screen
- Now click another panel to pick some more icons – it'll spin to the front
- You can complete your profile by choosing ‘What you do' and ‘What you have'
When you've chosen all the blue, green and yellow icons you want, click ‘I'm done' to find out what insurance businesses like yours choose.
Based on your chosen business profile, this information is a guide to some of the business insurance available and may help you choose your business insurance.
Please note: Some professional bodies require their members to have specific business insurance.
Your business profile:
Businesses like yours often choose:
Businesses like yours also consider:
You may also need to consider the options below:
Currently we do not offer these options online, so please give us a call.
If a business has one or more permanent, temporary or voluntary employees or is registered as a limited company, it must have employers’ liability insurance of at least £5 million. It’s the law. You may not need this cover right now, but it’s something to think about in future.
What AXA employers' liability insurance doesIt protects your business in case an employee is injured or falls ill as a result of their work and makes a claim against you. AXA employers' liability insurance covers your legal defence fees and compensation payments too.
Because your work brings you into contact with other people and the things that belong to them, and accidents can happen. Your business could face a claim for compensation if it causes any damage to anyone else's property or injures someone in your workplace or anywhere else in the course of its work.
What AXA public liability insurance doesIt covers your business for legal costs if anyone other than an employee holds you responsible for injury or property damage suffered in your workplace or as a result of something you've done. Any compensation your business has to pay will also be covered, up to your selected level.
Because your work brings you into contact with other people and the things that belong to them, and accidents can happen. Your business could face a claim for compensation if it causes any damage to anyone else's property or injures someone in the course of its work.
What AXA public liability insurance doesIt covers your business for legal costs if anyone other than an employee holds you responsible for injury or property damage suffered due to your business. Any compensation your business has to pay will also be covered, up to your selected level.
Because you have visitors at work (such as clients, tradesmen and members of the public), they could claim for compensation if they are hurt or their belongings are damaged where you work.
What AXA public liability insurance doesIt covers your business for legal costs if anyone other than an employee holds you responsible for injury or property damage suffered in your workplace. Any compensation your business has to pay will also be covered, up to your selected level.
Because your work takes you to other people's property, your business could face a claim for compensation if it causes any damage or injures someone in the course of its work.
What AXA public liability insurance doesIt covers your business for legal costs if anyone other than an employee holds you responsible for injury or property damage suffered due to your business. Any compensation your business has to pay will also be covered, up to your selected level.
Because you meet people – either on your own property or anywhere else – your business could face a claim for compensation if it causes any damage or injures someone in the course of its work.
What AXA public liability insurance doesIt covers your business for legal costs if anyone other than an employee holds you responsible for injury or property damage suffered due to your business. Any compensation your business has to pay will also be covered, up to your selected level.
Because your work may bring you into contact with other people and the things that belong to them, and accidents can happen. Your business could face a claim for compensation if it causes any damage to anyone else's property or injures someone in your workplace or anywhere else in the course of its work.
What AXA public liability insurance doesIt covers your business for legal costs if anyone other than an employee holds you responsible for injury or property damage suffered in your workplace or as a result of something you've done. Any compensation your business has to pay will also be covered, up to your selected level.
Because clients pay for the advice and services your business provides, they could take you to court or demand compensation if they feel your work was not up to standard or they have suffered a financial loss.
What AXA professional indemnity insurance doesIt covers the legal fees required to defend your business against accusations relating to a mistake, error or omission – known as breach of professional duty. It will also cover the cost of correcting the mistake or any compensation owed, up to the cover level you choose.
Because a claim for professional negligence can be made against your previous work at any time. Even if the work was insured when it was done, if it's not insured when a claim is made you won't be covered.
What AXA cover for previous work doesIt extends your professional indemnity insurance protection so that it could cover all the work your business has done since it started trading.
Cover for previous work is a cover option of AXA professional indemnity insurance.
Because damage or loss of your computer, phone or vital equipment could stop you doing your work.
What AXA Business Equipment cover doesIt gives you a payment to repair or replace any business equipment which is damaged accidentally, lost or stolen.
Because damage or loss of your computer, phone or vital equipment could stop you doing your work.
What AXA Business Equipment cover doesIt gives you a payment to repair or replace any business equipment which is damaged accidentally, lost or stolen.
Please note: If your business is involved with manual work, you may be offered ‘Own plant, tools and equipment cover' instead.
Because damage or loss of equipment you rely on could stop you from working – and be expensive to replace.
How AXA can protect youDepending on the work you do, we can provide either Business Equipment cover or Own Plant, Tools and Equipment cover. We will pay cash up to the cover level you choose if vital equipment is lost, stolen or damaged.
Because the tools of your trade are vital for manual workers - and could be very expensive to replace if lost, stolen or damaged.
What AXA Own Plant, Tools and Equipment cover doesIt pays cash to cover repairs or replacements if the tools or equipment which belong to you are lost, stolen or accidentally damaged. You can choose which tools you want to insure, and select a cover level to protect them.
Please note: If your business is not involved with manual work, you may be offered ‘Business equipment cover' instead.
Because heavy equipment like a construction vehicle could cost a fortune to repair or replace – whether you own it or hire it.
What AXA Own Plant, Tools and Equipment cover doesIt pays cash to cover repairs or replacements if the tools or equipment which belong to you are lost, stolen or accidentally damaged. You can choose which tools you want to insure, and select a cover level to protect them.
What AXA Hired In Plant Cover doesIf something you hire is damaged in your care, this cover pays to repair or replace it – and can also pay for the hire fees while it's out of action.
Because the tools you own or hire could be very expensive to replace if lost, stolen or damaged.
What AXA Own Plant, Tools and Equipment cover doesIt pays cash to cover repairs or replacements if the tools or equipment which belong to you are lost, stolen or accidentally damaged. You can choose which tools you want to insure, and select a cover level to protect them.
What AXA Hired In Plant Cover doesIf something you hire is damaged in your care, this cover pays to repair or replace it – and can also pay for the hire fees while it's out of action.
Because an injury at work or outside work could be very costly to you, your business or your family.
What AXA Personal Accident cover doesIf a principal, partner or director of the business is unable to work, personal accident cover provides cash payments in compensation. It could pay the weekly wage of the injured person until they recover, or provide a generous lump sum payment.
Because damage to a half-finished building could cost a lot to repair.
What AXA Personal Accident cover doesIf a property you're working on is damaged or destroyed before it's completed, contract works cover can help you repair it or pay you compensation for its value at the time – plus cover the loss of materials bought for the contract.
Because damage or loss of equipment you rely on could stop you from working – and be expensive to replace.
How AXA can protect youDepending on the work you do, we can provide either Business Equipment cover or Own Plant, Tools and Equipment cover. We will pay cash up to the cover level you choose if vital equipment is lost, stolen or damaged.
Because the tools of your trade are vital for manual workers - and could be very expensive to replace if lost, stolen or damaged.
What AXA Own Plant, Tools and Equipment cover doesIt pays cash to cover repairs or replacements if the tools or equipment which belong to you are lost, stolen or accidentally damaged. You can choose which tools you want to insure, and select a cover level to protect them.
All vehicles are required by law to have the correct insurance based on how they’re used. So because you drive a vehicle for work – and this can include your own car – you’ll need to insure it for business use.
How AXA can help businesses like yoursAXA can provide car insurance with business use. We can also offer more specialist insurance for commercial vehicles, such as van insurance and haulage vehicle insurance. AXA also provides motor trader insurance and fleet insurance for businesses which operate company cars.
If someone makes a claim for injury or damage as a result of using what you make, it could be very costly to your business. It also meets legislation in the UK Consumer Protection Act.
What product liability insurance doesIt covers your business for legal costs if anyone makes a claim because what you have made has hurt someone or damaged their property. It will also cover any compensation your business needs to pay, up to the cover level you choose.
If someone makes a claim for injury or damage as a result of using something you have sold to them, it could be very costly to your business. It also meets legislation in the UK Consumer Protection Act.
What product liability insurance doesIt covers your business for legal costs if anyone makes a claim because what you have sold has hurt someone or damaged their property. It will also cover any compensation your business needs to pay, up to the cover level you choose.
If someone makes a claim for injury or damage as a result of using something you’ve made or sold, it could be very costly to your business. It also meets legislation in the UK Consumer Protection Act.
What product liability insurance doesIt covers your business for legal costs if anyone makes a claim because what you have made or sold has hurt someone or damaged their property. It will also cover any compensation your business needs to pay, up to the cover level you choose.
Because your business stores things – either on behalf of clients or as stock for you to sell – you could face serious financial losses if anything is stolen or damaged.
What business contents insurance doesIt pays your business if items you were planning to sell were destroyed in a fire for example. Or if your business keeps things on behalf of others, business contents insurance covers them against theft, loss or damage. Depending on what your business stores and where you keep it, you can choose contents insurance to suit you from a range of options.
Because your business moves things around – either on behalf of clients or for you to sell – you could face serious financial losses if anything is stolen or damaged.
What goods in transit insurance doesIt covers what your business transports in case of theft, loss or damage. So whether you operate a logistics company with a fleet of lorries ferrying goods all around the world for your clients, or simply move your own stock here and there by yourself or using a haulier, you can select the protection that’s right for your business.
Statistics show 80% of businesses go bankrupt after a fire. Commercial property insurance can cover offices, shops, factories, warehouses and workshops, whether owned or rented.
What commercial property insurance doesIf your business premises are destroyed or damaged, commercial property insurance covers the rebuild or repair costs. But it can insure more than the bricks and mortar – giving businesses like yours the opportunity to keep trading through the difficult times.
Because your business rents property to others. A fire, for example, could be devastating. Whether you let a room in your home, run a hotel or have a number of commercial or residential properties for rent, it’s important your risks are covered.
What specialist property insurance doesIt can cover more than the bricks and mortar, including the people in your property, and also anything kept there. There’s a wide range of options to choose from depending what your business rents, from landlord’s insurance designed for people letting just one room or one home, to hotel insurance and large scale commercial property cover.
Because businesses like yours keep information secure and secret on behalf of others, and could be sued if something confidential slips out.
What AXA Breach of Confidentiality cover doesIt covers the legal fees required to defend your business if it’s accused of failing to keep confidential information secret. It will also cover the cost of any compensation owed, up to the cover level you choose.
Breach of confidentiality is a cover option of AXA Professional Indemnity Insurance.
Because businesses like yours rely on the information kept on computers and on file. Lose vital info – and clients, money and reputation could be lost too.
What AXA Loss of Documents cover doesIt covers the cost to replace or restore printed documents or electronic data. That includes your business’s own information plus client documents or data you are responsible for.
Loss of documents is a cover option of AXA Professional Indemnity Insurance.
Because your business could be sued if what it says or writes (including e-mails, letters and web pages) are felt to have affected someone’s reputation.
What AXA Defamation cover doesIt covers the legal fees required to defend your business if it’s accused of libel or slander because of something it’s written or said. It will also cover the cost of any compensation owed, up to the cover level you choose.
Defamation is a cover option of AXA Professional Indemnity Insurance.
Because misusing copyrighted information belonging to someone else could be an expensive error.
What AXA Infringement of Copyright cover doesIt covers the legal fees required to defend your business if it unintentionally uses or copies legally protected intellectual property, like logos, music, photos or wording. It will also cover the cost of any compensation owed, up to the cover level you choose.
Infringement of copyright is a cover option of AXA Professional Indemnity Insurance.
Because injuring someone because of a mistake you make can hurt your business too.
What AXA bodily injury arising from breach of professional duty cover doesIt covers your legal defence and any compensation costs if a mistake you make in your work results in an injury to anyone who doesn’t work for you and a claim is made against your business.
Bodily injury arising from breach of professional duty cover is a cover option of AXA Professional Indemnity Insurance.
Because your business could lose money if you or anyone working for you is in court.
What AXA Court Attendance Costs cover doesIt pays your business compensation if you are required by your insurer to be in court to defend a business insurance claim.
Court attendance costs cover is a cover option of AXA Professional Indemnity Insurance.
Because somebody committing fraud or dishonesty while working for you could cost you more than your reputation.
What AXA Dishonesty of Employees cover doesIf a civil liability claim (not a criminal one) is made against your business because of fraud or dishonesty by one of your employees, it covers the legal costs to defend your business plus any compensation or damages to be paid, up to the cover level you choose.
Dishonesty is a cover option of AXA Professional Indemnity Insurance.
