Small Business Insurance
It is essential that small businesses take out insurance, and that it is correctly arranged. Inadequate insurance can be devastating in the event of a loss, particularly a catastrophe such as a fire, and it is important the correct covers are in place and the Sums Insured are adequate.
For many small businesses, particularly Shops and Offices, a ‘package’ policy will suit your requirements. These policies are designed to automatically include all the usual covers required for small businesses in lower risk occupations including:
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Buildings and/or Tenants Improvements
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Contents and Equipment
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Stock
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Business Interruption (Loss of Gross Profit or Gross Fees following a claim for damage)
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Public and Employers Liability
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Industry specific extras such as Refrigerated Food and Loss of Licence
The simplified rating structure enables small businesses to purchase comprehensive cover at competitive premiums.