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Standard Business Insurance Options:
Initially we will take you through a simple checklist to determine EXACTLY the correct cover for you at this time! And every year we will conduct an annual review to make sure any changes in your circumstances are incorporated and adequately covered.
Fire or unforeseen, unexpected events that are out of your control can happen at any time. Not only can fire or similar disasters impact trading, depending on the seriousness of the event, they can even jeopardise your future. Don’t be a statistic!
Theft is always a shock because it makes us question our basic ability to trust people, but as the saying goes, “A fool and his money are soon parted”. Be prepared for kinks in human nature. When you are correctly insured, you won’t be penalised for their behavior.
Business Interruption means your flow of income is literally cut off. You have many people relying on you: your staff, your suppliers, your customers, and your family. Don’t leave them or yourself out in the cold. Make sure you are covered for situations where you are not able to trade.
Glass and Signage are crucial to your marketing strategies and visibility to your clients! If you are unfortunate enough have broken glass or signage, don’t let it be an additional non-recoverable expense. Cover yourself properly.
Public and Products Liability, because sometimes things can go wrong. Someone could be injured or other peoples’ property could be damaged by you, your business or your product or service. It is important for your own peace of mind and financial well being that you have proper cover and protection.
Portable & Valuable Equipment and Items need special attention. If it’s easy to move, it can easily ‘go missing’. Don’t leave yourself open to loss of business because a vital piece of equipment or valuable business tool or item needs to be repaired or replaced. Make sure you have protected your ability to continue to earn.
Commercial Motor Vehicle insurance means you can keep reaching your customers and deliver your product and services. Even having a vehicle off the road one day can be disastrous to the success of your business. Protect your ability to be mobile!
Additional Protection: Employee Theft, Payroll Fraud and Equipment Failure can all seriously affect your ability to operate at an optimal level, and directly impacts on your profits. Some businesses can take years to recover. Stock losses, goods lost or damaged in transit, the stress and potential impact of a taxation audit or the legal fees involved in defending a dispute can also be crippling for any sized business.
Remember... Proper protection preserves profits!
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