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:

• Buildings and/or Tenants Improvements

• Contents and Equipment

• Stock

• Business Interruption (Loss of Gross Profit or Gross Fees following a claim for damage)

• Public and Employers Liability

• 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.