Is your business properly protected?
Making sense of the choice
For most businesses, insurance is a minefield. There are so many options and areas to consider. Of course, the challenge for any organisation is that insurance is only critical once a claim needs to be made and by then…. it is too late.
Business Insurance products
Below are the general areas of business insurance which companies should consider:
Public Liability Insurance – protects a business if a customer, or member of the public, suffers a loss or injury on a company’s premises, or as a result of any business activities
Employers’ Liability Insurance – protects a business from any claims by an employee who suffers injury or illness in the course of their employment. The Employers’ Liability Compulsory Insurance Act 1969 makes it compulsory for employers to have liability insurance
Office Contents Insurance / Office Buildings Insurance – protects a business if its building is damaged, also if contents are lost, damaged or stolen
Business Interruption Insurance – can be added to a company policy to protect a business from loss of income if a business is closed after suffering damage to a property etc., while repairs are taking place
Professional Indemnity Insurance – protects a business if a customer claims a business has made costly mistakes or acted negligently while undertaking work on their behalf
Personal Accident Insurance / Employee Protection – compensates a business and / or employees themselves, should key people to that organisation suffer from severe injuries, illness or die.
Software failure, hacking, viruses and cloud – as IT infrastructure is so critical to companies today, businesses can protect themselves from data loss, software failure, hacking and viruses with cyber insurance
Phil Bristow discusses the benefits to being adequately protected
Make sure you are adequately protected
If you want to make certain that you receive good advice from experienced individuals, and if you want the reassurance of knowing that a business has the people and desire to provide a great customer experience, call Nsure Chartered Insurance Brokers now on 01903 520200 or email firstname.lastname@example.org