Knab review

Knab's listed business cover is public liability and professional indemnity (public liability and professional indemnity). Public liability covers claims from third parties affected by your work, and professional indemnity covers the advice and service you sell. Other business lines, such as property or cyber, sit outside what Knab lists.

Knab is a broker (broker), so it arranges cover rather than carrying the risk itself. Insurers such as Hiscox UK and EuroAsia Insurance (insurer, insurer) underwrite policies directly, which puts the contract with them rather than with an intermediary. Knab's position is the broker one.

Knab serves self-employed owners and small business owners (zzp and SME entrepreneurs). The two lines it lists, public liability and professional indemnity (public liability and professional indemnity), are the ones trades, consultants and small firms tend to need first, so the fit is closer to that base than to larger corporate risk.

Pricing in this market varies widely: the site-wide starting premium median is €8.37, with the lower quartile at €2.92 and the upper quartile at €29.72. Your own figure depends on your trade, turnover and the cover you ask Knab for across public liability and professional indemnity.

The indemnity limits listed across this market centre on €3,486,547.74, and most listings sit under €5,810,912.89. What applies to you depends on which of Knab's two lines (public liability and professional indemnity) you take and how much turnover and client work sit behind it, so ask for the limit in writing.

WeddingPlan Insurance lists public liability on its own (public liability), while EuroAsia Insurance and Hiscox UK are insurers (insurer, insurer). Knab sits between the two: a broker covering public liability and professional indemnity together (public liability and professional indemnity, broker).

Brokers are a normal choice here: 37.2% of providers in this market arrange cover as brokers, against 42.4% that are insurers. Knab belongs to the broker group (broker), so the insurer behind the policy is chosen during the arrangement rather than named up front.