hi originally i has insurance with babtac who were very reasonable you even got a years subscription to scratch,but now im expanding so needed to shop about i found a compare site called simplybusiness.co.uk who were more than helpful and got a great deal off them a lot cheaper than i thoght it was only £120.00 for the year and that is public liability for nails and tanning goods in transit,stock and contents and damage of books in case of flood or fire i got discount because the place im taking over is already a nail salon...have a browse on the site or just call them like i did...hope this helps xx:hug: