I have started to sell abroad more regularly now. Do I need separate insurance for this? EMMA SAYS: I have checked with insurers, Direct Line for Business (directlineforbusiness.co.uk) who say: “Whilst there is no obligation to have insurance to trade internationally, whether that’s in the EU or outside of the EU, there are some key issues to consider, such as protecting your business from late (or no) payment. In addition to this, Product Liability covers you in the event that your product causes injury or damage to a person or their property, and you could be liable to pay compensation.” For detailed information on exporting and how best to protect your business, look up ‘UK Export Finance’ on gov.uk. You can also contact your insurer to discuss your cover and which insurance products are most suitable for you.