Business insurance is an umbrella term for the range of policies that will make up your individual package, and the type and level of cover you take out will depend upon the needs and budget of your business.
Broadly speaking, you can take out policies to protect against the following incidents, and then add any other cover to meet the specific needs of your business:
- Accidental damage
- Business interruption
- Fire and flood
- Injury and illness
- Storm damage
If you employ more than one staff member, you are legally obliged to take out employers’ liability cover. This will protect you against any costs incurred if a member of your staff falls ill or gets injured while at work, and subsequently holds you responsible.
And, depending upon the type of business you run, your industry regulators might only allow you to operate if you have specific types of additional cover in place – accountants and solicitors, for example, must have professional indemnity cover as part of their package.
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