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Insurance for Businesses.
Office Based Businesses.
Businesses that operate from offices are a relatively low risk (within the spectrum of business risk) and include:
Due to the nature of activities in an office, property damage claims are typically low and even business continuity exposure is becoming easier to manage for SME businesses due to the ubiquity of computers and electronic filing in the cloud and the spread of broadband internet. All of this empowers staff to work from pretty much anywhere without much hindrance, and at short notice. Nevertheless loss events can still have a very damaging affect on an office-based company.
The low risk nature of office business activity is reflected in relatively low premiums, which means it is well worthwhile making sure that all the bases are covered because it won't cost a huge amount to have peace of mind.
Employers liability (RSI, stress etc.), professional indemnity claims, directors and officers liability claims and crime (including cyber crime) are more important for an SME business should be given due attention.
With the increased risk of a downturn in the economy following Brexit, it would be well worth your while taking a closer look at your insurance programme to ensure you are properly covered.
Commercial & Light Industry Businesses.
Commercial combined is an umbrella class of insurance that provides wide cover to a wide range of industry sectors including:
Different insurers have different views of different industry sectors and so cover, appetite and pricing will vary for each sector and between each insurer.
Ensure you engage a broker that will take the care and time to understand your business, provide considered advice and help you protect your business with the right cover and at a competitive premium price.
As a tradesman you belong to a large group of highly skilled and specialised workers.
However, due to the diversity of activity and risk manifested, insurers tend to view each Tradesman differently from a risk perspective and consequently provide different levels of cover and at differing prices.
Ensure that you engage a good broker who can work with you to identify and insure the key risks faced by you and your business.