GUIDES
UK insurance, explained without the jargon.
Short, plain-English guides for landlords and small business owners. Cover Sorted collects your enquiry and passes it to an FCA-authorised insurance specialist.
For landlords
- Do I need landlord insurance?
Why a normal home policy usually won't cover a let property, and what lenders expect.
- What does landlord insurance cover?
Buildings, contents, loss of rent, liability and the extras landlords often add.
- Is landlord insurance compulsory in the UK?
What the law requires, what your mortgage requires, and where the two differ.
- HMO insurance explained
Why houses in multiple occupation are rated differently and what insurers ask about.
- Unoccupied property insurance
What changes when a property sits empty between tenants or during a refurbishment.
- Loss of rent vs rent guarantee
Two covers, two very different triggers — and the one landlords assume they have.
- Landlord insurance for leasehold flats
When the freeholder insures the building, what's left is yours. Here's what that is.
- Landlord renewal checklist
Sums insured, occupancy changes and the declarations auto-renewal quietly carries over.
- Cover for non-standard tenants
Students, benefit claimants, council referrals and sharers — why online quotes decline.
For businesses
- Do I need public liability insurance?
When it is genuinely optional, and when clients or venues will insist on it.
- What does public liability insurance cover?
Injury and damage claims, legal costs, and the gaps people assume are included.
- Who needs public liability insurance?
Trades, sole traders, shops, cafés and mobile services — with the usual triggers.
- Employers' liability insurance explained
The cover UK law requires once you employ someone, including some family members.
- Business insurance checklist before your call
The handful of facts a specialist will ask for, so one call can sort it.
- Professional indemnity insurance explained
For businesses that sell expertise: claims-made cover, run-off and contract limits.
- Tradesman insurance: what you actually need
Liability, tools, contract works and van — which sections trades really rely on.
- Tools and van cover for trades
Why overnight theft claims get refused, and the conditions that decide them.
- Shop and café insurance
Stock, glass, business interruption and the cover your lease already requires.
Ready to talk it through?
Answer three questions and a UK insurance specialist calls you back — usually the same working day.