Insurance guides,
in plain English.
Short answers to the questions our customers ask most. Every situation is different, so call us to talk about yours.
What insurance does a café need?Café and coffee shop insurance explained.Do I need employers’ liability insurance?Who legally needs employers’ liability insurance in the UK, including part-time, temporary and family staff, and what it covers. A plain-English guide from Gaia.Public liability insurance explainedWhat public liability insurance covers, who usually needs it, and why landlords, councils and clients ask for it. A plain-English guide from Gaia Insurance Brokers.What insurance does a restaurant need?A guide to restaurant insurance in the UK: liability, kitchen fire risk, extraction, stock and staff. From Gaia, an FCA-regulated broker in Enfield, London.Takeaway insurance: what cover do you need?Insurance guide for takeaways, kebab shops, pizza shops and chip shops: fryers, late opening, delivery drivers and liability. In English and Turkish.Shop insurance guide for small retailersWhat shop insurance covers for corner shops, off-licences and small retailers: stock, glass, theft, liability and the building. A guide from Gaia.Barber and hair salon insurance guideInsurance for barbers and hair salons: public liability, treatment risk, employers’ liability, equipment and chair renters. A plain-English guide from Gaia.Insurance for builders and tradespeopleWhat builders, plumbers, electricians and other trades need: public liability, tools, employers’ liability, contract works and van cover. A guide from Gaia.Business interruption insurance explainedHow business interruption insurance protects lost income after a fire, flood or other insured event, and how to choose the indemnity period. A guide from Gaia.Cyber insurance for small businessesWhat cyber insurance covers for small businesses: data breaches, ransomware, system restoration and lost income. A plain-English guide from Gaia Insurance Brokers.What is a commercial combined policy?How a commercial combined policy bundles property, liability and business interruption into one, and which businesses it suits. A plain-English guide from Gaia.Landlord insurance: what do you need?How landlord insurance differs from home insurance, what it covers, and what insurers ask about tenants, HMOs and empty periods. A guide from Gaia.Rent guarantee insurance explainedHow rent guarantee insurance protects landlords when tenants stop paying, what referencing is needed, and how legal expenses fit in. A guide from Gaia.Insuring an empty or unoccupied propertyWhy standard policies limit cover for empty properties, what unoccupied property insurance covers, and the inspection rules to follow. A guide from Gaia.Commercial property insurance guideA guide for owners of shops, offices, industrial units and mixed-use buildings: rebuild cost, tenants, loss of rent and liability. From Gaia, Enfield.Block of flats insurance for freeholdersWhat freeholders, residents’ management companies and landlords of blocks need: buildings cover, common parts, liability and directors’ cover. A guide from Gaia.Van insurance: which use do you need?Social, commuting, carriage of own goods and haulage explained, plus tools in the van and goods in transit. A plain-English van insurance guide from Gaia.Insurance for food delivery driversWhy food delivery drivers need hire-and-reward cover, how it works with car, scooter and van insurance, and what to check. A guide from Gaia, Enfield.Taxi and private hire insurance guidePrivate hire and public hire insurance explained for London drivers: licensing, public liability, breakdown and courtesy cars. A plain-English guide from Gaia.How does an insurance broker work?What an insurance broker does, how brokers are paid, and how using a broker differs from a comparison website. From Gaia, an FCA-regulated broker in Enfield.How to make an insurance claimWhat to do after damage, theft or an accident: making things safe, evidence to keep, who to tell and how a broker helps. A plain-English guide from Gaia.
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