Business Insurance
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Business Insurance
Business insurance is commercial insurance which differs from the type of private insurance you use for your home contents, life or car. It differs from business to business as this type of insurance covers a specific group of insurances. Some businesses need public liability insurance, employer’s liability insurance or professional indemnity insurance or all of these and more. Business insurance then needs to be tailored to the individual business to cover all its various aspects.
Shops and retail outlets might need a particular type of insurance for example as they are dealing with the general public. Accidents for which the business is liable might happen on the premises, which is why public liability might be included in the overall quotation for this type of business.
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Residential Property Insurance
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What is Residential Property Insurance?
Investing in properties for development and for the buy-to-let market is popular in the UK. Residential property insurance is designed specifically for residential landlords or buy-to-let owners, including businesses involved in property management and development.
Residential property insurance will provide protection against all kinds of risks including natural disasters such as flood and fire, in the event of theft or vandalism to your property or against accidents such as burst pipes.
If you let your property to tenants, it is worth bearing in mind that a standard home insurance policy is not normally adequate. You may find that you may be unsuccessful if you need to make a claim.
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Business from Home Insurance
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What is Business from Home Insurance?
In the UK today, an increasing number of people work from home. For these home-based businesses, it is vital to buy Business from Home Insurance.
Business from Home Insurance can provide you with protection for some or all of the following:
- Buildings and Contents Cover
- Public and Product Liability
- Employers Liability
- Cover for Loss of Income
- Cover for Legal Expenses
Business from Home Insurance is suitable for all types of businesses - designers, estate agents, independent financial consultants, hairdressers, caterers and more. Those who work in manual trade such as plumbers and electricians should look into buying Tradesman Insurance.
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Professional Indemnity Insurance
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What is Professional Indemnity Insurance?
Professional indemnity insurance is best suited to certain businesses and particular practitioners. It is not suitable for trade or retail but for professionals. People who are self employed, work for a business or own their own business should consider this type of insurance. It is designed to cover claims of negligence and mistakes made in giving professional advice.
It can cover professionals such as architects, small firms such as accountants and businesses such as consultancies. It can cover self-employed professionals travelling to clients chosen locations and while on client property, which can include private homes. It can also cover office premises and any negligence or mistakes in advice given here and also cover employees from consultancy and management practices conducting business to business practice. These employees are covered both at their own place of practice or offices and also at client’s businesses.
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