Public Liability Insurance
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What is Public Liability Insurance?
Public liability insurance is a general term for coverage for claims brought against the insured by a third party or member of the public. It covers damage or injury to property, health or life as a result of the use of dangerous objects or work with them. The liability also concerns a non deliberate infringement of the law or contract liabilities.
Public liability insurance is insurance for businesses rather than private homes. Most businesses need this type of insurance as standard. Indeed any business having contact with the general public will need this insurance. You are legally liable if a customer or employee is injured as a result of your negligence or breach of duty. You could face a claim not only for personal injury but also from the NHS for hospital treatment costs.
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Commercial Property Insurance
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What is Commercial Property Insurance?
Most people learn about insurance when they buy their first car, then marry and rent their first apartment or buy a home. Should they decide to start a business, they enter a whole new realm of insurance, much more complicated and for obvious reasons, expensive.
Commercial Property Insurance is exactly what the name describes: a hedge against the kind of problems one can run into when opening a business - whether it involves a flow of customers through stock-laden shelves, an office situation, or a manufacturing facility where employees are involved in strenuous or dangerous activities.
The nature of insurance required for each is appropriately different, but exponentially beyond the insurance required to cover one’s home.
Guaranteed Rent Insurance
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What is Guaranteed Rent Insurance?
While death and taxes continue to top the list of life’s certainties, insurance has muscled up the ladder of priorities in this often confusing, definitely expensive modern world. Whilst coverage for life, health, and car is eminently obvious, there is a broad spectrum of policy types whose virtues are not always apparent - until one runs into a situation where having said coverage would alleviate a great deal of financial suffering.
One such policy is called Guaranteed Rent Insurance, which would seem like winning the lottery for some tenants, except this particular insurance is primarily for Landlords.
Shop Insurance
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What is Shop Insurance?
If you run a shop, whether it is a convenience store, café, florist, newsagents or a clothing shop, the responsibilities that you have to undertake everyday can be overwhelming. To help lighten the load and allow you the peace of mind to concentrate on the successful running of your retail business, it is essential to have shop insurance which meets and covers all your needs.
Shop insurance is designed specifically for shop owners. The standard cover normally offers public liability cover, as well as buildings and contents insurance. Make sure you are covered in the event of natural disasters such as flood and fire, theft or vandalism to your shop or against accidents such as burst pipes.
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Office and Surgery Insurance
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What is Office & Surgery Insurance?
About the only thing that doctors, dentists, internet and other small service companies have in common is the fact that they all operate out of small facilities. Business Office Insurance is a flexible package of integral coverages that allow these professionals to apply their training and expertise to clients instead of worrying about the ins and outs of insurance.
Small office insurance is actually a trifecta of covers. This includes Buildings Insurance for the actual physical building (if owned by the business), Contents, which includes all the computers, office equipment, special items like dental chairs, etc., and Tenants’ improvements, which is especially applicable for medical surgeries, where special features may have been redesigned within the building to accommodate services.