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The types of things business insurance covers include:
There are different policies designed for self-employed professionals and large companies where more comprehensive cover may be required. To protect your liability as a business, there are four different types of policies available, these are:
To protect your commercial premises and its contents, there are three different insurance products available including:
You can also combine a number of different policies to create the business insurance which would be the most beneficial for you.
Business insurance is dependent on a number of factors including type of business, annual turnover, level of cover you need, size of premises and how many employees you have.
As a business owner, you have a legal obligation to have certain types of business insurance by law, such as employer’s liability insurance if you employ staff. Also, some professions such as financial advisers and insurers, are required to have professional indemnity insurance.
Other types of business insurance, including policies that cover property, are optional and it is dependent on your circumstances whether you feel like you should purchase one of these or not.
If you need to claim on your business insurance, you should contact your insurer or broker as quickly as possible and provide them with as much information as you can. Most insurers have a 24 hour helpline so you can get in touch any time to discuss any issues that are affecting your business.
For certain types of claims, your insurer may come out to visit you, or your premises, to discuss things in more detail or survey any damages.
To find out more about business insurance, get in touch with a business insurer, independent financial adviser (IFA) or business adviser as soon as possible.