Our online quote tool gives you the option to enter all your trades so that we have a clear idea of what type of cover you might need. Different businesses require different types of insurance, that’s why we let you pick and choose the covers that go into your policy. So, whether you’re a retailer or a dog groomer, an IT consultant or a photographer, you can choose the cover that’s just right for your business. We can cover this machinery for theft and damage due to an insured event e.g. fire. We do not cover machinery that has been damaged due to wear and tear. This would cover the costs of replacing or repairing things like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.
Business Vehicle and Van Insurance Cover your business vehicle with our comprehensive or third party, fire and theft insurance. Below is a summary of a generic policy, from 30 May 2022 onwards, which shows the https://www.treadmillsandellipticalmachines.com/ main covers and exclusions in our policies. If someone in your business is unable to work due to a temporary injury, then after 7 days we’ll pay their normal net weekly earnings up to £500 for up to 104 weeks.
Depending on the type of business you run, you might work from home, in an office, at your shop, a client’s premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it’s fixed. It can also cover you for any lost turnover during this time if you’ve insured your premises or business property with us. If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. Event organisers, for example, may need to see proof of public liability insurance before letting you trade at their craft fair. A business professional may require you to show proof of professional indemnity insurance before hiring you as a consultant.
We know how important tools and equipment are for tradespeople. So, when it comes to tools insurance, we’ve nailed it. Pays the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Professional https://www.wikipedia.org/ indemnity is useful if your business offers a service or requires you to give advice to clients. If you make a professional error or give advice that is deemed negligent, you could be taken to court. You can pick from a range of cover options to get a bespoke policy for your business.
Your new insurance quote or renewal premium from any other insurer. Our Buildings and Contents Insurance protects your business’ premises, inside and out. Even if you don’t own the property you run your business from, we cover most damages to furnishings, right down to fixtures and fittings.
We’ll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials. Public Liability Insurance Protects you if a member of the public or visitor to your premises suffers injury or property damage. A micro business is defined as an enterprise that employs nine people or fewer. As of 2017, micro businesses count for 96% of the UK’s business landscape and, as you might expect, there are many different types of micro business.
Get the support of a dedicated claims handler should the worst happen. Every UK employer needs to provide, and contribute to, a workplace pension for certain staff. Please note that a minimum number of contributing employees may apply. Employers’ Liability Insurance If you have employees ‐ unless they’re related to you ‐ it’s a legal requirement to have this cover in place.